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Home Purchase - Home Refinance
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NO CLOSING COSTS LOANS: Are They A Good or Bad Idea? YOU DECIDE after reading this... One of the most confusing areas for consumers in a mortgage loan transaction are closing costs. Here I'll explain the advantages and disadvantages of the highly [...]
No down payment, low down payment, and down payment assistance programs in MN, WI, and SD It is the dream of everyone to own their own home. Many potential home buyers have the income and credit to qualify for a mortgage. However, many of them lack [...]
Minneapolis, MN: There are still bad mortgage lenders out there! So protecting yourself against predatory lenders, mortgage scams, bait-n-switch scams, mortgage fraud, and Loan Officers screw-ups can be a challenged. Most people are gullible, [...]
Our market is flooded with properties that are in some stage of the foreclosure process. While these properties can be a fantastic deal, there are many special details that must be considered. Here is a short over view. Call me anytime, and I'll go [...]
When initially getting a mortgage loan, you have an important decision to make about interest rates. You need to decide if you want to either float or lock your interest rate. Float means your rate is NOT guaranteed, and subject to [...]
What to expect when getting a mortgage loan from Cambria Mortgage, The Joe Metzler Team First and foremost, expect to have your loan handled by experienced, knowledgeable, and dedicated loan professionals. We offer multiple ways to start the [...]
Lenders are required by law to show you not just the loans rate, but a loans APR Minneapolis, MN: A borrower shopping for the best mortgage rate can easily be seduced by low rate offers that are accompanied by low annual percentage rates (APR). [...]
Understanding how mortgage interest rates work, and why you probably won't get the interest rate you see online or elsewhere is probably one of the most confusing aspects of any mortgage loan. While you see interest rates online, or in printed [...]
Minneapolis, MN: Retirement can be scary if you are worried about money. Survey's show a major reason for not being able to retire is still having a mortgage payment. We see two primary attitudes towards retiring with or without a mortgage. The[...]
How do I apply for a VA Home Loan? You can apply for a VA home loan at any mortgage company that participates in the VA home loan program. For example, if you are buying a home in Minnesota, Wisconsin, or South Dakota, you can call us at (651) [...]
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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 - 2025.