• Secure Loan Application

  • Buying a Home?

    Whether you are looking for a home loan pre-approval, have a home already picked out, trying to make an offer, or just getting started and wanting to run basic number click here to get started.

    Buying Application

  • Refinancing a Home?

    Thinking of refinancing your home? Start here.  We will review the application, then go over all your options with you to see what a new rate and payment might be, go over cash out options, or even changing your term, like going from a 30-year loan to a 15-year loan.

    Refinancing Application

  • Schedule an Appointment

    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, or Eden Prairie, Minnesota locations also available. 

    BY PHONE OR ZOOM during normal business hours, or virtual via 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 at this point.

    You can IN OFFICE, PHONE, or ZOOM when scheduling.

  • Ready to get started with your mortgage journey? It’s simple! Just click the purchase or refinance application button above. There’s no obligation to apply for a refinance or to get Pre-Approved for buying a home. This comprehensive application provides accurate estimates of monthly payments and loan options tailored to your situation.

    If you’re buying, you’ll be ready to act quickly with a Cambria Mortgage Certified Pre-Approval Letter in hand when you find your perfect home.

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 Information here can become out of date, and may no longer be accurate.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