Thank you, we appreciate your business. Our system has received your application or request, and is instantly notifying our staff that it is ready for review

    So what happens next?

    Check your Email for a confirmation notice, which contains the identical information as listed below.

    We'll try contacting you

    We will attempt to contact you shortly to customize a loan that meets your specific needs and answer any questions you may have. We normally try to call you between 8:30 AM until about 6:00 PM Monday - Friday. If you are unavailable at these times, it helps us greatly if you can try to contact us tooCall (651) 552-3681.

    We need some documents from you: 

    Minimum standard documentation for all applicants are:

    1) Last 30-days of pay stubs (all borrowers, all jobs)

    •     IF Self Employed or own rental property, last two years federal tax returns (all pages, all schedules, including any W2's, and K1's)
    •     On Social Security? Most recent Award Letter

    2) The most recent two years W2's (all jobs - if applicable)

    3) Past two month bank and asset statements (all pages - real statements, like what would be mailed to to your home)

    4) IF REFINANCE: Most recent mortgage statement (all mortgage loans)

    Depending on your situation, we may need other documents, including divorce decrees, child support information, bankruptcy documents, foreclosure or short-sale documents, etc. We will notify you as soon as possible if you need additional items. 

    Start submitting your application supporting documents:

    Use our secure upload system (preferred and fastest)

    Fax to (651) 994-6425 (30 pages or less per fax)

    Send regular email to documents@joemetzler.com

    Drop off or mail to: Cambria Mortgage, 33 Wentworth Ave E, Suite 290, St Paul, MN 55118 (map)

    Watch for "Loan Status Report" E-mails about your application
    Now that your application is finished, you will start to receive E-Mail notifications as each step of your loan process is completed.

    WhiteList our domain names
    Whitelisting our domains is an important step to make sure our important emails get through, and are not sent to your SPAM.  Please whitelist @CambriaMortgage.com, @JoeMetzler.com, and @elliemae.com.  Click here for WhiteList instructions