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Is Your Home ‘School-Ready’? As the kids trade their swimsuits for backpacks, our homes often shift roles, too. Whether you’re setting up a dedicated study corner for the kids or finally claiming a quiet spot for your own home office,[...]
From Cheese Curds to Curb Appeal: Why Fall is the Best Time to Make Your Move The Minnesota State Fair is officially here next week! As we head to the Fairgrounds for our annual fix of sweet corn, corn dogs, and midway fun, many of us are also [...]
Why You’re Waiting for a Market That Doesn’t Exist (And Why You Should Reconsider) Minneapolis, MN: Are you currently standing on the sidelines, waiting for the “real estate affordability crisis” to end? You’re certainly not alone. [...]
620 Credit Score Minimum Dropped. See My Recent TV Appearance on Channel 5 News I recently had the privilege of joining Channel 5 News to discuss Fannie Mae and Freddie Mac dropping their 620 minimum credit score requirement for conventional [...]
When mortgage rates were at 3%, people were not getting housing deals. Here’s why: Bidding wars on every decent house. $400k homes listed for $440, and sold for $480k. Cash offers beating out financed buyers. No inspections in [...]
The DSCR Loan: Why Your Investment Needs a Residential Loan Expert Minneapolis, MN: If you’re financing a 1-8 unit rental property with a DSCR (Debt Service Coverage Ratio) loan, you need to be aware of a critical industry distinction that [...]
What Causes Mortgage Rates To Change? Insights from the Joe Metzler Team in St. Paul, MN Minneapolis, MN: If you’ve ever shopped for a mortgage, you’ve likely noticed something frustrating: the rate you were quoted in the morning might change[...]
Why a Mid-Year Move Won’t Hurt Your Kids As the new school year kicks into gear, parents everywhere are fine-tuning morning routines, organizing backpacks, and settling their children into classrooms. But for families considering a major move, [...]
VA Loan in 2025: A Game-Changer for Veterans As of 2025, VA loans continue to be one of the most powerful benefits available to veterans, active-duty service members, and eligible surviving spouses. Backed by the U.S. Department of Veterans [...]
Find out how much mortgage payment you can afford Minneapolis, MN: Whether you're a first-time homebuyer or looking to upgrade to a larger home, understanding how much mortgage payment you can afford is crucial. Here at Cambria [...]
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Equal Housing Lender. The Joe Metzler Team at Cambria Mortgage lends in Arizona, Colorado, Florida, Iowa, Minnesota, North Dakota, South Dakota , and Wisconsin 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 - 2026.