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    Home Purchase - Home Refinance
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  • Talk of low interest rates fills the spring air.

    Published on: Feb 24, 2021

    Spring is in the air. Do you know what else is in the air? Talk of low interest rates. If you haven’t caught wind that interest rates are historically low consider yourself an anomaly. Mortgage interest rates have continued to hover near all time lows for quite a long stretch of time, meaning now could be the best time for you to take advantage of them by refinancing your current mortgage or locking in a low rate for your next home purchase. Low interest rates may not last forever so take advantage of the situation while you can!

    The Benefits of a Refinance!

    If you already have a home that gives you all the feels, plan to own it for a while and your current rate is around 3% or higher… Looking into a refinance may be a great option. Refinancing your current mortgage is an especially great idea if you’ve been giving your credit score some love. When it comes to your interest rate, the better your credit score is the better chance you have of securing a significantly lower one. Remember, it takes a period of time to break even after closing costs to begin seeing the actual savings of a refinance so if you plan to stay in your home for a while, you can truly save money in the long run… But if you plan to move soon, finding a new home you’re head over heels for sooner rather than later might be a better plan of action.

    Cambria Mortgage Joe Metzler St Paul MN

    Is a New Home Where the Heart is?

    Low rates mean increased purchasing power; when interest rates are this low, your dollar stretches further making you able to afford more than you might think (hello dream home!). Additionally, when you are working with a larger budget, you probably have more wiggle room for negotiating. If you and your Realtor are looking at houses within your price range and you’re faced with a bidding war, your odds of being able to submit a counter offer to beat out other bidders are higher.

    There’s no time like the present to lock in a sweet low rate through a purchase or refinance. Check out these tools you can use to review a possible refinance or preview your next potential home purchase.  Connect with a Cambria Mortgage professional to talk more in-depth about your options today!

    iMortgageJoe.com (651) 552-3681

  • ** 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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