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Home Purchase - Home Refinance
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Minneapolis, MN: Buying a home for your parents of other family members who otherwise couldn't afford one is probably a bit more common than people think. While it is awesome that you are doing it, there are [...]
Minneapolis, MN: Congratulations on wanting to buy a home. Unless you have cash, you are going to need financing. If you need financing, you are going to speak to a Mortgage Loan Officer. Not all Loan Officers are created equal. Assuming [...]
St Paul, MN: YES, it is possible! Learn how to buy a home in Minnesota with as little as $1000. Information on a Minnesota first time home buyer program using down payment assistance, and how use can use these programs to purchase your [...]
If you are thinking about buying a home, this video is for you. Mortgage 101 - A 30 minute Home Buyer Seminar explaining the home buying process by Cambria Mortgage, the Joe Metzler team. Great for first time home buyers. Everything you need to know[...]
2023 Spring Real Estate Market Is Different from the Past Few Years. Here’s What You Need to Know March 19, 2023 - Joe Metzler It may not feel or look like spring in many areas yet, but as of Monday March 20th, it’s here! So does that mean [...]
Minneapolis, MN: The Federal Housing Administration (FHA) just announced a 30 basis point reduction to the Annual Mortgage Insurance Premiums (annual MIP) it charges borrowers for FHA-insured Single Family mortgages. They further said this reduction [...]
Best of St Paul Award for Mortgages, 4 years in a row Cambria Mortgage, The Joe Metzler Team has been selected four years in a row for the Best of Saint Paul Awards for Mortgages and now qualifies for the 2023 Saint Paul Business Hall of Fame. [...]
According to a recent survey, a full 61% of Americans think that mortgage interest rates rates are "unprecedented." The thing is, mortgage rates aren’t actually the highest they’ve ever been; not even close, and it isn't too far a look back to[...]
Minneapolis, MN: We all have credit scores, but do you know what your credit score tells creditors? It tells us your credit risk, and likelihood of the money not being paid back. Of course a high credit score is no guarantee of being paid back,[...]
Think Twice Before Holding Out For Lower Mortgage Rates Minneapolis, MN: Inflation is hitting everyone every way we turn. The Federal Reserve early in 2022 starting taking steps to attempt to slow down the pace of inflation. Their main tool is to [...]
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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.