• Interest Rates You Can Brag About

  • Already have a home mortgage loan Pre-Approval with a different lender?
    It pays to compare apples vs oranges

    It Pays to Compare Lenders

    Especially if you are pre-approved with your Real Estate Agent's own company or a bank.

    Not only do we offer a full range of loan products to suit most peoples needs, but if you switch to the Joe Metzler Team at Cambria Mortgage for your home loan, and we'll pay for your loans appraisal! * Up to a $475 Value!

    What could you do with the extra money?

  • 3% down conventional loans, 3.50% down FHA loans, for first time home buyers, to No Down Payment VA loans and USDA loans, down payment assistance programs, and more!

    Call (651) 552-3681. Speaking with an experienced, and Licensed Loan Officer is easily the best way to apply, or to obtain an accurate interest rate quote and a Good Faith Estimate of closing costs.

    READY TO APPLY ONLINE? Our Secure Online Mortgage Application is available 24/7. Cambria Mortgage does not charge an application fee to apply, and we will only move forward with your permission after reviewing all your options with you.

    Why choose Joe and Cambria Mortgage to assist you?

    • 2019 - Super Mortgage Professional
    • 2018 - Top 300 Loan Officer in the Nation
    • 2018 - Super Mortgage Professional
    • 2016 - Top 300 Loan Officer in the Nation
    • 2015 - Top 100 Loan Officer in the Nation
    • 2014 - Minnesota Loan Officer of the Year (Minnesota Mortgage Association)
    • 2011 - Top 40 Most Influential Mortgage Professionals to Watch (National Mortgage Professional Magazine)
    • 2010 - Top 150 Loan Officer in the Nation by Dollar Volume (Origination News)

  • * The Small Print and How It Works

    You must provide a written pre-approval letter from any other lender, dated within the last 30-days PRIOR to your initial contact with us. You must inform your loan officer you wish to use this offer during your initial conversation

    If you have already locked-in your interest rate with another lender, this offer is not valid. No cash value. Your loan must actually close. Offer will be a credit to your final closing costs at the closing of your loan. The competing pre-approval must be for the same loan type (FHA to FHA for example). A pre-approval is not a guaranteed loan offer, and not any sort of commitment to lend. All initial pre-approvals are subject to full underwriting review. Maximum appraisal credit is $4750, regardless of actual appraisal cost. Most appraisal are $400 - $500 dollars. Valid for purchase or refinance transactions. Not available on down payment assistance loans.

  • Our service and expertise sets us apart

  • Equal Housing Lender, Cambria Mortgage NMLS# 322798. We lend in: Minnesota, Wisconsin, Iowa, North Dakota, and South Dakota 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. © 1998 - 2021, Joe Metzler, NMLS 274132