• (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 Wed 17 August 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.


    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 loan loan-to-values (say, under 75%)
    • 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.


    Fun #Housing Facts / 2021 - 2022:

    #FirstTimeHomeBuyers were 1.6 Times more likely to have submitted 10 offers before winning.
    Only 25% of repeat buyers made multiple offers.
    80% of buyers compromised on their priorities.
    35% had to offer significantly above their price range.

    Homebuying competition drops near pandemic-era low. Buyers competing with one to two other offers instead of four to eight.
    Now may be a great time to strike. Get pre-approved at
    http://JoeMetzler.com/application

    #Minnesoa #FirstTimeHomeBuyer #realestate #Wisconsin #CambriaMortgage #Iowa

    Median U.S. home price exceeds $400K for 1st time, report finds

    https://fox9.com/news/median-home-price-exceeds-400k-1st-time

    #Inflation drives #MortgageRates.

    We need to get past the next two inflation reports to figure where rates are going.

    See current national average rates at http://JoeMetzler.com/rates

    Expect a big #foreclosure wave in the near future.

    #Housing #realestate #realetatenews #realestateagent
    https://www.housingwire.com/articles/expect-a-foreclosure-spike-in-the-coming-months/?cx_testId=1&cx_testVariant=cx_1&cx_artPos=1&cx_experienceId=EX9ABT31BV11#cxrecs_s

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