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Home Purchase - Home Refinance
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What is a Jumbo Mortgage? Simply put, a jumbo mortgage loan is home loan that exceeds the current "conforming loan limit" as set by FHFA (Federal Housing Finance Agency). This limit is currently $726,200 in the states we lend of Minnesota, Wisconsin,[...]
We get it. A mortgage can be scary. Especially for first time home buyers. Here are some answers to very common mortgage questions.
Refinance Your Mortgage and Unlock Potential Savings Are you considering refinancing your home loan? There are several compelling reasons to do so: Lower Your Monthly Payment: Reduce your monthly mortgage costs and free up more cash for other [...]
My unique advantage is that I have been in the mortgage lending, the home loan business well over 25-years. Experience is everything in this industry. As a top 1% Loan Officer in the country for multiple years, I have the experience of all facets of [...]
Thinking of entering the real estate market, buying your first home, or just wondering? The industry is full of terms that are confusing for buyers and sellers who need to navigate the homebuying process. Here are a few common terms you should[...]
The Complete Home Buyers Guide Congratulations of your decision to buy a home. There is nothing more awesome than achieving the American dream of home ownership. But the road to buying a home is a road only traveled for most people once or twice in [...]
Buying or refinancing a home may be the most exciting, confusing and stressful financial transaction you ever undertake. Even if you have done it several times, you can still find the process complicated and intimidating, particularly when it comes [...]
What is a fixed rate mortgage? As the name implies, the monthly payment on the loan stays exactly the same for the entire length of the mortgage loan. On a standard 30-year fixed rate mortgage, if the loan art of your monthly payment is $1,000 [...]
Simply put, an adjustable rate mortgage is one where your monthly mortgage payment can change over the length of the loan term, known as amortization terms. The loan may have a total term of 30-years, but along that timeframe, the payment amount can [...]
What is an FHA Loan? The quick answer is that it is a government backed mortgage loan offered by mortgage lenders that allows for a small 3.5% down payment, and easier qualifying than other home loan products. Home buyers in the Minneapolis, St Paul,[...]
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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 - 2026.