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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 [...]
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 [...]
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 [...]
Thinking of refinancing? Here is what you need to know. Published on: Feb 13, 2020 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 [...]
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 [...]
Test your credit report / credit score 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 [...]
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 [...]
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 [...]
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, [...]
Refinancing Makes Sense For Over 7 Million Homeowners Published on: Oct 10, 2019 Minneapolis, MN: With average home prices continuing to rise ABOVE the 2007 pre-crash average home value, and with 30-year fixed interest rates ending the week of [...]
Feds just lowered rates for the first time in over a decade. What does this mean for you? The lowest interest rates for mortgage borrowers in years. Apply online right here or call (651) 552-3681 now and save big! Now is the best time in [...]
Now I know what you are probably thinking, the Fed lowered rates today, so the mortgage rate quote I got last week will be 0.25% better, right?Well, not so fast. The Fed has absolutely nothing directly to do with long-term fixed rates. The Fed [...]
Bi-Weekly Payment Programs help you Save Thousands of Dollars in Interest. For years now, American home buyers have typically been making the standard 30-year, 360 equal monthly payment mortgage. Some are even opting for 40 year, 480 payment loan [...]
Minneapolis, MN: A new bill was signed into law last week by President Trump eliminating a long held requirement that VA jumbo mortgages loans needed a small down payment. This was in stark contrast to the very popular current VA loans of under [...]
Cambria Mortgage and I are committed to nurturing dreams of prosperity, by supporting individuals and families in their goal of achieving homeownership. We offer a variety of mortgage options, including conventional and government products, as[...]
Are mortgage rates really under 4% June 6, 2019 Are mortgage rates really under 4% today for a 30-year fixed? Well, yes and no. There is more to mortgage rates than meets the eye. Rates were mixed today, with some lenders holding steady [...]
Compare Mortgage Rates, Compare Mortgage Lenders, especially if you are using your real estate or builders 'preferred lender" Imagine you have just went to the Doctor in Minneapolis, or the Mayo Clinic in Rochester and found out that you have to have[...]
Minneapolis, MN: One of the most complicated aspects of the FICO credit scoring system is how inquiries impact your scores. This is easily on the “Top 5” list of the most misrepresented facts about FICO scores. So, in the interest of [...]
NO CLOSING COSTS LOANS: Are They A Good or Bad Idea? YOU DECIDE after reading this... One of the most confusing areas for consumers in a mortgage loan transaction are closing costs. Here I'll explain the advantages and disadvantages of the highly [...]
No down payment, low down payment, and down payment assistance programs in MN, WI, and SD It is the dream of everyone to own their own home. Many potential home buyers have the income and credit to qualify for a mortgage. However, many of them lack [...]
Minneapolis, MN: There are still bad mortgage lenders out there! So protecting yourself against predatory lenders, mortgage scams, bait-n-switch scams, mortgage fraud, and Loan Officers screw-ups can be a challenged. Most people are gullible, [...]
Our market is flooded with properties that are in some stage of the foreclosure process. While these properties can be a fantastic deal, there are many special details that must be considered. Here is a short over view. Call me anytime, and I'll go [...]
When initially getting a mortgage loan, you have an important decision to make about interest rates. You need to decide if you want to either float or lock your interest rate. Float means your rate is NOT guaranteed, and subject to [...]
What to expect when getting a mortgage loan from Cambria Mortgage, The Joe Metzler Team First and foremost, expect to have your loan handled by experienced, knowledgeable, and dedicated loan professionals. We offer multiple ways to start the [...]
Lenders are required by law to show you not just the loans rate, but a loans APR Minneapolis, MN: A borrower shopping for the best mortgage rate can easily be seduced by low rate offers that are accompanied by low annual percentage rates (APR). [...]
Understanding how mortgage interest rates work, and why you probably won't get the interest rate you see online or elsewhere is probably one of the most confusing aspects of any mortgage loan. While you see interest rates online, or in printed [...]
Minneapolis, MN: Retirement can be scary if you are worried about money. Survey's show a major reason for not being able to retire is still having a mortgage payment. We see two primary attitudes towards retiring with or without a mortgage. The[...]
How do I apply for a VA Home Loan? You can apply for a VA home loan at any mortgage company that participates in the VA home loan program. For example, if you are buying a home in Minnesota, Wisconsin, or South Dakota, you can call us at (651) [...]
Minneapolis / St Paul, MN: Buying your first home can be a fun exciting time. It can also be stressful, especially as there is a lot of misinformation spread from well intended friends, family, and even Real Estate Agents. When it comes to first time[...]
The first step to successfully getting a mortgage loan is to provide the lender a complete application, then to supply your supporting documentation. Providing complete and accurate information will permit us to process the loan with greater [...]
So you need a mortgage loan. Who do you use, a bank, a broker, or a direct mortgage lender? All will get you a loan, and all have 'Loan Officers'. Let's explore the differences: When you're looking to get a mortgage loan, you will [...]
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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.