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    Home Purchase - Home Refinance
    Serving MN WI IA ND SD CO FL

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  • Do you know what to look for when choosing a mortgage lender?

    Cambria Mortgage, Joe Metzler

    You have most likely noticed ads for mortgage companies on the radio, TV and even at the gas pump. There are surely enough options to choose from, but how do you know if a lender is right for you? I’ve put together a few tips on what to look for when choosing a lender. Check them out below!

    Your Best Interest
    The first thing to remember before starting this journey is that you are looking to make the best choices for your financial future. Making sure you enlist the correct team to help you do that is of utmost importance. Your Mortgage Loan Officer should want to sit down with you and review your current situation and future goals. At Cambria Mortgage, our focus is on you. I take the time to fully understand your unique financial situation and will work to help you meet your goals. One of the biggest reasons I am able to do that is because Cambria Mortgage is a local, family-owned business that puts our customers first.

    Data Integrity
    In the days of data breaches and online insecurity, it is essential to be confident in how your information is being handled. With large, national lenders it may feel like you are just a number; your information could be sent all over during the course of your mortgage transaction. With Cambria Mortgage, all of our processing and underwriting is done in-house. This means you have one point of contact and one point of storage of your sensitive information. We pride ourselves in the handling of our customer’s most important data through their transaction and beyond.

    Lender for Life
    You aren’t just another transaction. My goal isn’t to simply do a loan for you and never see you again. I want to build relationships that last and be your lender for life. Getting to know you through the transaction is only the start. With the tools and processes we have in place, I am able to help make sure you stay on the path we set out on together during your initial transaction. I am always available to check-in on your mortgage and make sure you still have the right product for your current situation. As your circumstances and lifestyle change, you may need to make adjustments to your mortgage; I am always only a phone call or email away.

    Read the Reviews
    While I can tell you how great I think we are, it is often said best by our customers. Read what some of them have to say here: https://joemetzler.com/testimonials/

    Experience
    Mortgages loans are tough. Don’t let anyone fool you otherwise. Multiple programs, with thousands of rules that apply to millions of different personal scenarios.  Guiding someone through all of it requires training, and years of experience. Sadly, the vast majority of Loan Officers are unlicensed, and more like glorified application clears than professional mortgage consultants. At Cambria Mortgage, we only employ licensed Loan Officers, and I personally have over two decades of experience, and have won multiple local and national awards.  Read more about me here: https://joemetzler.com/about-joe-metzler/

    I know choosing a lender is no small feat, so I hope I was able to be of some assistance. If there’s anything else I can do to help you make a decision, let me know! I am happy to help.

  • ** EXPERIENCE MATTERS **

    Top rated mortgage lender locally and nationally, year after year... This is because clients agree - Experienced Loan Officers with mortgage interest rates you can brag about and amazing service clearly sets us apart from the big banks and online lenders.

  • 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.

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