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  • Cambria Mortgage, the Joe Metzler team
  • Tel: (651) 552-3681

    Home Purchase - Home Refinance
    Serving MN WI IA ND SD

    Cambria Mortgage application Cambria Mortgage My Account Cambria Mortgage app

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    Navigation
    • Home
    • Reviews
    • Apply
      • Apply Online
      • Schedule an Appointment
      • Secure Document Upload
      • Install My App
      • Why get pre-approved
      • PreApproval vs PreQualify
      • First Time Homebuyer Classes
      • Compare to Save
      • Documents Needed
    • Quick Qualify
    • Rates & Costs
      • Interest Rates
      • Get a rate and cost quote
      • Calculator
      • Daily Rate Advisory
      • What are Closing Costs?
      • Lock Policy
      • Closing Cost Terms
      • Best Rate or Lowest Costs
      • Lender Shopping Tips
      • Beware the Bad Estimate
      • Mortgage Rate Locks
      • Truth About Interest Rates
      • What is APR
    • Loan Programs
      • Programs at a Glance
      • Buying a House
      • Bad Credit Loans
      • Down Payment Assistance
        • Dakota County FTHB
      • First Time Home Buyer
      • FHA Loans
        • FHA Streamline Refinance
        • 203k Loans Buy and Fix
        • FHA Loan Limit Lookup
        • FHA loan required repairs
      • HomeReady / Home Possible
      • Investor Cash Flow Loan
      • Luxury home financing
      • Jumbo Loans
      • New Construction Loans
        • One time close construction loan
      • No Down Payment Loans
      • No Doc / Non-QM
        • Business Narrative
      • Refinancing
        • Should I Refi
        • Contract for Deed Refi
        • Mortgage Checkup
        • Refi Calculator
      • Renovation Loans
        • 203k Loans
        • HomeStyle Renovation
      • Loans for Self Employed
      • USDA Loans
      • VA Loans
        • Certificate of Eligibility
        • VA Refinance
        • VA Loan FAQ
    • Client Resources
      • The Home Loan Process
      • After BK or Foreclosure
      • Daily Mortgage News
      • Your credit score
        • The Inquiry Myth
        • Bad Credit Loans
      • Student loans
      • Homebuyer Classes
      • Mortgage FAQ
      • Glossary of Mortgage Terms
      • Ask the Mortgage Expert
      • Use a Bank or Broker?
      • Mortgages & COVID
      • Fixed or ARM
        • Adjustable-Rate
        • Fixed Rate
      • Home Buyers Guide
      • Mortgage Rate Locks
      • Long Term Rate Locks
      • Mortgage Loan Limits
      • No Closing Cost Loans
      • Get a Second Opinion
      • Tips for a smooth closing
      • Top Mortgage Mistakes
      • Foreclosures / Short Sales
      • How to buy foreclosures
      • Beware Predatory Lenders
    • About
      • Contact Us
      • About Joe Metzler, MLO
      • About Eric Metzler, MLO
      • About Cambria Mortgage
      • Code of Ethics
      • Licensing Information
      • Testimonials
      • Review Us
      • Satisfaction Promise
      • Why Choose Us
      • What to expect
    • Checkup
    • Blog
    • Live Chat
    • My Acct
      • My Account
      • Document Upload
      • Make Appraisal Payment
      • Loan Servicing
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  • Conforming Loan Limit Increases to $548,250

    Minneapolis, MN: Fannie Mae and Freddie Mac have just announced an increase in the conforming loan limit for 2021 to $548,250. Up from the current limit of $510,450.Conforming Loan Limit
     
    Conforming loans mean your standard conventional loans that lenders do that are eventually securitized by Fannie Mae or Freddie Mac, and are the loans that give most home owners the best interest rates, and are the biggest percentage of home loans done.
     
    Loans over the loan limit are known as jumbo mortgages, and carry different interest rates and underwriting guidelines.

    What About VA Loans, FHA loans, and USDA Loans?

    FHA loans use a different factor to determine loan limits, and also can be different county to county. FHA loan limit changes are expected to come out shortly. VA loans are also calculated differently, and it is all about how much VA loan entitlement you have available as a Vet.
     

    Read the full official announcement here.

    You can also check current loan limits for multi-family homes, and FHA loans on our loan limit lookup page.

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    Top rated mortgage lender locally and nationally, year after year... This is because clients agree - mortgage interest rates you can brag about and amazing service sets us apart from the big banks and out state internet lenders.
  • Address

    33 Wentworth Ave E, St Paul, MN 55118
    (651) 552-3681
    Joe@JoeMetzler.com

     

  • License Info

    Cambria Mortgage
    NMLS# 322798 Branch: 1888858

    Joe Metzler Loan Officer
    NMLS# 274132. License MN #MLO-274132, WI #11418. SD #MLO.03095, ND #NDMLO274132, IA #36175

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  • Equal Housing Lender, Cambria Mortgage NMLS# 322798. The Joe Metzler team at Cambria Mortgage lends 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 - 2022, Joe Metzler, NMLS 274132. Cambria Mortgage NMLS 322798

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