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    Hit that APPLY button NOW and turbocharge your home loan journey with a full application—done in just 10 easy minutes online per person, totally free, no strings attached!
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  • Buying? Why get pre-approved for a mortgage?

    Ready to take on homeownership, then now’s the time to act—start by checking your basic mortgage qualifications, then turning that into a full blown pre-approval.

    What is the difference between pre-qualification and pre-approval?

    Pre-Qualification is a practical, no-nonsense first step to see which homes you can afford, what loan options are in reach, and how monthly payments might look, while confirming your financial standing for a mortgage—all in just minutes, no personal details or credit check required.

    When you’re set to tour properties and make offers, we’ll swiftly move you to a fully verified pre-approval and guide you through to closing. This requires you submitting some basic documents for review; your pay stubs, W2's, and bank statements. 

    A full home mortgage pre-approval offers distinct advantages over a basic pre-qualification, giving you a stronger edge in the home-buying process. First, pre-approval involves a thorough review of your financials—credit, income, and assets—providing a precise loan amount you’re approved for, unlike the rough estimate of a pre-qualification, so you can shop with confidence.

    Second, it signals to sellers that you’re a serious buyer, often making your offer stand out in a competitive market, while a pre-qualification carries less weight and credibility.

    Third, it streamlines the final loan process by getting much of the underwriting done upfront, reducing delays and stress once you find your home, whereas pre-qualification leaves more work for later. Pre-approval is your ticket to moving faster and smarter toward homeownership.

    Ready to stop renting and start owning? Click here to Get Pre-Approved.

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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 Information here can become out of date, and may no longer be accurate.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.

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