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  • Secure Mortgage Application with Loan Officer Joe Metzler

    Ready for a full loan approval? It is easy, and just takes about 10 minutes online. There is never any obligation to apply for a refinance or to get pre-approved to buy a home. A full application allows you to get very accurate estimates of monthly payments, and loan options specific to your situation. If buying, you'll also be ready to act fast when you find that perfect home with a certified pre-approval letter in hand.

  • In Person

    FACE to FACE appointments available M - F from 9:00 AM until 5:00 PM. Later hours and weekends available by special appointment only. 

    Preferred located is our West St Paul, MN office. Burnsville, Eden Prairie, and Brooklyn Park, Minnesota locations also available. You can pick when scheduling.

    Schedule Appointment

  • By Phone or Zoom

    By telephone during normal business hours, or virtual via Google Meets or Zoom. Typical applications take about 45 minutes, depending on how many questions you have. All the information you need to apply is already in your head. No need to gather documents first.

    Schedule Appointment

  • Getting a home loan shouldn't be complicated.

    With Cambria Mortgage, it's not.

     Apply today, get an answer today!

  • ** EXPERIENCE MATTERS **

    Top rated mortgage lender locally and nationally, year after year... This is because clients agree - Experienced Loan Officers with mortgage interest rates you can brag about and amazing service clearly sets us apart from the big banks and online lenders.

  • 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 Information here can become out of date, and may no longer be accurate.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 - 2025.

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