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    Home Purchase - Home Refinance
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  • Understanding your credit score

    Every mortgage company lender must obtain a credit report to determine your credit worthiness. Upon reviewing your mortgage application, your credit report is pulled to help make a determination regarding your home mortgage loan approval or denial. [...]

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    Buying Foreclosures and Short Sales

    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 [...]

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    Mortgage Rate Locks

    When getting a home loan, one of the biggest concerns is the interest rate you get. Interest rates can change daily, sometimes hourly, and also vary based on loan type (like Conventional, FHA, VA loans), purpose of the loan (purchase, refinance, [...]

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    Long Term Interest Rate Locks

    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 [...]

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    FHA loan required repairs

    Minneapolis, St Paul, MN: When obtaining an FHA home loan, not only does the lender look at your credit, income, debt ratio, etc., they also look at the home you plan on buying. An FHA appraisal will be required, and the HUD approved appraiser will [...]

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    Low down payment HomeReady ® and Home Possible ® mortgage loan

    A low down payment mortgage designed with your needs in mind Lack of down payment money is the biggest hurdle for most first time home buyers. We eliminate that hurdle for low and moderate income buyers making the dream of home ownership come true. [...]

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    FHA Loan Limit Lookup

    Check the current conforming loan limit and FHA maximum loan limits in your area with the HUD.gov lookup tool. See what the maximum loan amount is in your area. Select your [state], then [limit type] for Fannie Mae / Freddie Mac back loans, or FHA [...]

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    Mortgages for Self Employed

    Self employed individuals often ask … “Why is it so difficult to qualify for a self employed mortgage loan?” Generally speaking, it is tougher to get a mortgage for the self employed buyer because it is harder to answer the [...]

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    What to expect

    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 [...]

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