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  • (651) 552-3681

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

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  • Loan Servicing - Your First Payment

    Thank you for choosing Cambria Mortgage to provide you with your home loan. Now that you’ve completed the closing process, you’ll begin making your normal payments, which will include paying back the loan, and typically additional escrow amounts for property taxes, homeowners insurance, and possibly mortgage insurance. 

    The servicing of your loan, which is who you will be making payments to, will be transferred shortly from us to your permanent servicing company. Typically after making your first payment directly to Cambria Mortgage.

    You should receive a “Welcome Packet” a few weeks after closing with more information, like loan number, where to send payments, and how to set up electronic payments. 

    In your closing packet (the documents you received at closing) there may be a temporary payment coupon to use if you haven’t received your Welcome Packet and Transfer Letter. You may also receive a letter directing you to make your first payment directly to Cambria Mortgage.

    Initial Payment Mailing Address:

    Cambria Mortgage
    6385 Old Shady Oak Rd #175
    Eden Prairie, MN 55344

    After Your Loan Transfers

    Once you receive your Welcome Packet and Transfer Letter, please make all future payments to the permanent servicer per their instructions. 

    If you are not sure whether your loan has been transferred, please contact our Corporate Office at (952) 942-0110 Monday through Friday, between 8:00 AM and 5:00 PM CST and we will be happy to assist you.

    Future Loans

    We understand that sometimes it can be confusing how the mortgage industry works, for example that Cambria Mortgage is the lender, but you will make payments somewhere else (known as your servicer). This causes many people to mistakenly call the servicer for any future loans.

    For the BEST deals on any future refinance or the purchase of a new home, you need to call your original Loan officer directly, not the 800 phone number on your statement.

  • ** 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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