• (651) 552-3681

    Home Purchase - Home Refinance
    Serving MN WI IA ND SD

    Cambria Mortgage app
    Cambria Mortgage application

  • Current National Average Interest Rates as of Fri 09 December 2022

    Cambria Mortgage Rates Will Be Lower than the national average *

    Your actual interest rate may vary based on many factors, including your personal situation, loan type, credit scores, loan program,  and your closing cost choices. Lower rates available by paying discount points (higher closing costs). Lower closing costs available by taking a higher interest rate.  Refinance rates tend to run higher.

    The ONLY WAY to get a guaranteed rate quote is by completing full application with a lender. But by answering some basic questions via our “Quick Quote” system, a license professional Loan Officer can review your information for a personalized quote.

    Bookmark this Page! (Ctrl+D)

    Get a personalized mortgage interest rate and closing cost quote based on your exact situation.

    No Obligations. No Credit Check, No SSN needed. Just more accurate quotes based on your personal situation.

    Purchase Loan Rate Quote Refinance Rate Quote

    Why Cambria Mortgage Doesn’t Post Our Actual Rates

    There are many reasons, but the biggest is simply that rates can change at any moment, and without knowing your exact situation, you could very easily be looking at a rate that has absolutely no bearing whatsoever to what you would actually get.

    For example, rates vary greatly by loan type, purchase or refinance, credit score, owner occupied home or rental, and many other factors.

    You also have personal choices to select. Do you want a rate with additional points (up-front costs) to buy down the rate, or do you want maybe a no lender fee option?

    All of these things effect the interest rate you will get.

    READ The Small Print and Assumptions You See Hidden On Rate Quote Web Sites

    The big print interest rate you see is generally designed simply to capture your attention! You need to be very wary about the small print.

    Tips to watch for:

    • A very well know large internet lender posts mortgage interest rates that look competitive, but their rates ALWAYS comes with around 2 points (2% of the loan amount) in additional closing costs. It is there so they are legally compliant, but presented in such a way as to be hard to notice.
    • Lenders usually post purchase loan rates, which are lower than refinance rates.
    • Rates only for extremely high credit scores
    • Rates only for very low loan-to-values (example, 30% down)
    • Rates for very short rate lock periods, like 15-days or less.
    • Rates only available if your loan is fully approved.

    We don’t play any of those games.

     * Rates above are national average rates provided by a third party web site, not Cambria Mortgage specific rates. Rates provided here as a reference to where averages rates are trending, not necessarily what you would qualify for with Cambria Mortgage. To get a specific quote rate quote and APR from us, please complete a full application, or our Quick Quote Form.

    This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. Rates, points and programs are subject to change without notice and cannot be guaranteed. This is not a guarantee of loan approval. The information here may not be up-to-date and may no longer be accurate.  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.

    Minnesota properties: To guarantee a rate, you must receive written confirmation from us as required by Minnesota Statute 47.206. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206.

    70% of homes with a #mortgage have a rate below 4%, and are therefore reluctant to sell.

    Mortgage rates continue downward
    The average long-term U.S. #mortgage rate fell for the fourth consecutive week and have dropped more than three-quarters of a point since hitting a 20-year high last month.

    Dreaming of a new Ho Ho Home? Just give us a jingle to get started at (651) 552-3681. Better yet, just complete an online application at http://JoeMetzler.com/application

    NMLS 274132. Equal Housing Lender.
    #realestateagents #firsttimehomebuyer #mnrealestate #wirealestate #Minnesota

    Home prices have appreciated 290% in the past 30-years, for an average appreciation of 9.65% a year.

    Get your piece of the pie. We can help finance it at #CambriaMortgage

    #realestate #housing #realestateagents #mnrealestate #Minnesota #Wisconsin #iowa

    Home buyer activity increases moderately after average mortgage rate dips to 6.28% on Dec 1, after peaking over 7% a month earlier.

    Get ready for spring buying season, apply today at

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