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(651) 552-3681
Home Purchase - Home Refinance
Serving MN WI IA ND SD CO FL
Joe Metzler, Senior Loan Officer
(651) 552-3681
NMLS 274132. Licensed in MN, WI, IA, ND, SD, CO, FL.
My unique advantage is that I have been in the mortgage lending, the home loan business well over 25-years. Experience is everything in this industry. As a top 1% Loan Officer in the country for multiple years, I have the experience of all facets of mortgage lending to help you to the closing table.
I can tell you that getting a home loan approved and closed IS CHALLENGING in today's market, and LOW LEVEL application clerks at the big banks and large internet lenders fall very short. You need the right person on your team.
It is more important that ever to get the best interest rate and program for yourself by working with extremely well qualified Loan Officers and Real Estate Agents. You will pay the same rate and closing costs for someone in the business 20-years and someone who got into the business six months ago.
I understand that mortgages are not a one-size-fits-all business, and I take pride in understanding my client's financial scenario and identifying the loan that best suits their needs. I know what happens at each step of the home loan process and why. Your home is the single largest item you will ever finance and the process shouldn’t have to be so hard, confusing, or scary and you shouldn’t have to do it alone.
With an expertise in all aspects of home mortgages, I can cater to both simple and challenging scenarios. I often assume files that others can't figure out how to get approved, primarily due to lack of experience.
Easy or hard, I appreciate the opportunity to assist you in making your home ownership dreams become reality. I am your partner from start to finish. So what sets me apart from everybody else? Communication, Responsiveness, Accuracy, Turnaround and most importantly…….. Close on Time, Every Time!!!"
- Joe Metzler
Experience and Education Matter
Experience and Education Matter with Joe Metzler
Joe Metzler is a nationally recognized mortgage expert with over 25 years of lending experience. He has personally closed thousands of mortgage transactions, totaling over $500 million in closed loans. Locally, Joe was named the Minnesota Mortgage Association’s coveted State of Minnesota 2014 Loan Officer of the Year and has been recognized nationally with multiple awards as a Top 300 Loan Officer in the nation.
Joe has authored numerous articles on mortgage loans for industry publications and websites, including Bankrate.com. He has also taught classes for Loan Officers, Realtors, and first-time homebuyers. As a mortgage expert, Joe has appeared on multiple radio and TV stations. With each customer’s desires and goals as his top priority, Joe Metzler is ready to assist with all your financing needs.
Joe began his career as a Loan Officer at a small broker shop in the 1990s, then moved to Mortgages Unlimited in 2000. He quickly became a top-rated Loan Officer for nearly 19 years until June 2019, when he joined Cambria Mortgage to better serve his clients.
Why Choose Cambria Mortgage?
Cambria Mortgage is a locally owned and operated mortgage company based in Minnesota, brought to you by the same family that offers industry-leading Cambria Countertops. We are committed to providing all our customers with the highest levels of quality and service. Joe and Cambria Mortgage serve homeowners in Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, and Florida.
Did You Know?
Did you know around 70% of Loan Officers are not licensed? Yikes. As a licensed mortgage professional, not only will I just take the application and process your file, but I will show you all your different options. You tell me what you really want, and then I will advise you on what I think is best based on your needs and financial goals. I'm proud to provide solutions to each of my customers, no matter what their financing needs!
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Equal Housing Lender. The Joe Metzler Team at Cambria Mortgage lends in Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, and Florida only. This is not an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. Information here can become out of date, and may no longer be accurate. Products and interest rates are subject to change at any time due to changing market conditions. Not all programs available in all states. Actual rates available to you may vary based upon a number of factors. Consumers must independently verify the accuracy and currency of available mortgage programs. All loan approvals are subject to the borrower(s) satisfying all underwriting guidelines and loan approval conditions and providing an acceptable property, appraisal and title report. Joe Metzler, NMLS 274132, Cambria Mortgage NMLS 322798. © 1998 - 2024.
