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Home Purchase - Home Refinance
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Minneapolis, MN: One of the most complicated aspects of the FICO credit scoring system is how inquiries impact your scores. This is easily on the “Top 5” list of the most misrepresented facts about FICO scores. So, in the interest of [...]
Many people, especially the last few years have bought a home on a Contract-for-Deed, sometimes also known as a land contract. Generally speaking, most of the contracts are balloon loans with higher interest rates. While the payments are usually [...]
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 [...]
Whether you are buying an existing home or building a new one - a Dakota County First Time Home buyer Loan may help you make homeownership a reality. Homebuyers accessing a First Time Homebuyer Loan may qualify for a below market interest rate may [...]
I had a bankruptcy or foreclosure. How long do I have to wait to get a mortgage is a very common question. When you have a major negative credit event, like a bankruptcy, foreclosure, or short-sale, there is an automatic mandatory waiting [...]
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, [...]
Mortgage interest rates -- just like stock prices -- change price daily and you can win or lose a little if you don't know what you are doing. The decision to float or lock an interest rate should be based on things like; when is your closing date, [...]
No one likes having bad credit, but sometimes it happens. Unfortunately bad credit hampers so many things in life, including obtaining a home mortgage loan. Can I get a mortgage loan with bad credit? Maybe... Depends on how 'bad' the bad it. [...]
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. [...]
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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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.