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    Email: joe@joemetzler.com

  • Proper use of forbearance

    We get it, these are challenging time, and with reduction in hours, and job loss, making your house payment can be a challenge. As part of the CARE ACT, the government has forced lenders to offer forbearance to anyone who asks WITHOUT requiring [...]

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    COVID19 and mortgage forbearance

    First, I hope this finds you and your family well. 2020 will go down as one of the craziest times... EVER. Virus, social distancing, no school, job loss, and new ways that we have to conduct everyday life. In my world of mortgages, we are also [...]

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    COVID19 and Cleaning your cell phone

    Face it, our phones are in our hands constantly. Study after study shows they are pretty dirty. COVID19 and cleaning your cell phone has become a heavily research term... On your cell phone! COVID-19 studies have shown the virus could potentially [...]

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    No, mortgage interest rates are not zero

    Minneapolis, MN: The news is screaming FED LOWERED INTEREST RATES TO ZERO in response to the COVID-19 virus outbreak. That sounds great, but it is extremely important that consumers read and understand that THE FED DID NOT JUST CUT YOUR MORTGAGE [...]

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    Thinking of refinancing? Here is what you need to know.

    Minneapolis / St Paul, MN:  The economy is doing great, and mortgage interest rates are at, or hovering just slightly above all time lows, which has many people thinking of refinancing. Most, but not everyone has a great interest rate, but do you[...]

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    Refinancing with your current lender is usually a mistake

    Refinancing with Your Current Lender is Usually a Mistake Minneapolis, MN: Shopping for a home loan is confusing. No matter what we're looking for -- from cars to refrigerators' -- there's a built-in element of confusion. Why? Lack of [...]

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    Test your credit knowledge

    Test your credit knowledge - Can you answer these questions correctly about your credit? Play the True of False Game - The Credit Edition. Pick a category and see how well you do. Categories include: Mortgage late payments, what's the [...]

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    2020 Real Estate and Interest Rate Predictions

    Minneapolis, MN: It looks like 2019 will go down in the record books as one of the best years for stocks in the past decade, yet mortgage rates still remained low (which isn't how it usually goes). What's in store for 2020 then? Well, we can only [...]

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    Cambria Mortgage Home to Five Super Mortgage Professionals

    ST PAUL, Mn., — The 2019 list of “Super Mortgage Professionals” was recently released and published in the November issues of Mpls. St. Paul Magazine and Twin Cities Business Magazine. Cambria Mortgage is pleased to announce the following [...]

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    Fed cuts rates, but NOT fixed mortgage rates

    Yesterday, the Federal Reserve cut it's benchmark interest rate by 0.25%, making the third cut in 2019. This cut only effects the short-term rate it controls, which influences many loans, but does not directly effect most loans. For instance, [...]

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