• (651) 552-3681

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

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  • "Joe and his team have helped us with all of our home search needs twice! We’ve really appreciated their expertise and transparency during the home purchasing process. They’re very knowledgeable and make things seamless. I would highly recommend Joe to anyone who asks!"
    Diana G (Purchase, January 2024) Blaine, MN. ★★ ★ ★ ★

    Joe was very informative, unbelievably knowledgeable in his field! He helped us finance our dream home. I hope to never move again but if I did, I will call Joe! Great guy! I highly recommend!
    Beth A (Purchase, Sept 2023) Pine City, MN. ★★ ★ ★ ★

    I can not thank Joe and his team enough. He was able to get us a sizable loan even under our complicated circumstances. He worked with the Realtor's very well to get our closings done! Joe and Eric communicated with us especially well through the entire process, and thoroughly answered all of our questions so that we were always in the know. Again, I con not thank them enough. I recommend Joe and his team to EVERYONE! Even my daughter is currently working with Joe and his team to finance her first home! The man is a great human, personable, friendly, and above all else, in my book anyway, HONEST! I won't go anywhere else for a mortgage or refi. THANK YOU JOE!!! WE LOVE OUR HOME!!!
    Chris R. (Purchase Sept 2023) Pine City, MN. ★★ ★ ★ ★

    Joe was able to pull off a successful closing with a extremely tight deadline and unique circumstances! Most other lenders would have not been able to pull it off. Very thankful for our partnership in getting our client the house of their dreams!
    Sammi W (Remax Real Estate Agent), Wisconsin (August 2023)

    It was a pleasure to meet and work with you. Your input, expertise, and estimates helped me to move forward and know I would be OK. If you need a reference, or I can post my outstanding experience, I would be happy to do so. Many Thanks.
    Deanna D, (Purchase, Oct 2022), Maplewood, MN ★★ ★ ★ ★

    This was our second time around buying a home, and the first experience compared to working with Joe and his team at Cambria Mortgage was like night and day, Joe and his team provided excellent service and explained the whole process so there were no surprises! Scott, our agent, was exceptional with negotiating a fair price in the flurry of offers to still include contingencies we deemed important to close.
    Derek L, (Purchase, May 2022), Wyoming, MN ★★ ★ ★ ★

    Very satisfied. Everything was so well explained, and both of you are great trouble shooters! I feel that you and Eric were the perfect team to successfully offer us an asset depletion loan. You both are truly experts in your fields!!
    Ken M. (Purchase - April 2022) Minneapolis, MN ★★ ★ ★ ★

    I highly recommend Joe and Eric, they made the process simple and quick! Joe is highly knowledgeable and can get the job done.
    Anita M. (Investment Property Refinance), International Falls, MN ★★ ★ ★ ★

    Joe is my go to Loan Officer! Consistent, reliable, available; all the qualities sought in a successful partnership!
    Real Estate Agent - Katie D. (March 2022) Woodbury, MN ★★ ★ ★ ★

    Eric, I do want to thank you for all of your help and advice throughout this process. Keep recommending that buyers ask for some closing costs to be covered by the sellers, I am proof that it does work even in this market!! That recommendation saved me a lot of money & I wouldn’t have done it had you not suggested it, because I thought it was impossible. I will absolutely be recommending you to any of my friends when they start looking, because you took the time to check in and break everything down for me and that made a world of difference! THANK YOU again!!
    Skylar S (Purchase Jan 2022) ★★ ★ ★ ★

    My faith in you and your reputation is, once again, well deserved. Thank you so much for your hard work and expertise!
    - Chuck E, Woodbury, MN (Dec 2021) ★★ ★ ★ ★ (Realtor talking about closing a non-traditional NON-QM loan)

    Joe and Eric were a real pleasure to work with. "Down to earth" conversations, patience in the process, and detailed information are just a few of their qualities. As a veteran, I greatly appreciate how they made the VA loan process painless. Thank-you. If you are looking for a honest loan processing experience, here it is.
    - Robert R., Zumbrota, MN (Oct 2021 - Refinance) ★★ ★ ★ ★

    Joe and Eric, Again, we are forever grateful for your service, time, expertise, coaching, and everything you did for our family. I cannot say this enough and I am excited to share our experiences with other military veterans. This is not goodbye, but I wanted to send our gratitude subsequent to the perfected closings x 2 this past Friday.
    - Jasper B,, Edina, MN (Oct 2021 - Purchase)

    Thank you ! to you and Eric. We have been busy getting the kids in the place and finally are done. You guys made the process painless for us and we appreciate it
    Have a good day
    - Jason B., Duluth, MN (Oct 2021 - Purchase) ★★ ★ ★ ★

    I started my loan with one of those 'no fee" internet lenders because it sounded so good. As the loan progressed, my radar went off. I was referred to Joe Metzler, who showed me exactly how a no fee mortgage, and a regular fee mortgage worked. He presented a spreadsheet showing me the differences. No pressure. No games. I could pick either one. It was very eye opening, and ultimately I bought my new home with a loan from Cambria Mortgage.
    - Jason M. Minneapolis, MN (July 2021 - Purchase) ★★ ★ ★ ★

    I'm a repeat customer with Joe because he's reliable, knowledgeable, and has all the tools. Even when I think my loan doesn't "fit in the box", he shows me that it actually does.
    - Peter S. Farmington, MN (July 2021 - Refinance) ★★ ★ ★ ★

    I highly recommend Joe and his team! Joe explained all the different options and made the process painless and easy. Very knowledgeable and exceptional communication.
    - April P. Winsted, MN (May 2021 - Refinance) ★★ ★ ★ ★

    I highly recommend Joe and his team. We had a great experience with them and the entire mortgage process went smoothly from start to finish.
    - John R, Woodbury, MN (May 2021 - Purchase) ★★ ★ ★ ★

    This is our second time working with Joe and I can’t say enough about the smooth process. Joe provided straight forward answers to all our questions and found us the best rate. I wouldn’t hesitate to recommend him to anyone looking to purchase or refinance a mortgage!!
    - John L, Burnsville, MN (March 2021 - Refinance) ★★ ★ ★ ★

    Joe & Eric Metzler and Cambria Mortgage were extremely helpful and guided us smoothly through the process of refinancing our home loan. The communication was outstanding, not to mention very friendly. We knew what to expect and when. Fantastic! Thank you to everyone!
    - Kathleen and Steven R. Chaska, MN (Dec 2020) ★★ ★ ★ ★

    I started the process with Wells Fargo cause that's who we were currently mortgaged with. After 2 months of submitting docs., some of them expired due to the length of time it was taking for them to process, so I was to submit them again. I thought this was unreasonable. A friend passed along Joe's info and we got the process started with him. Ended up to be the best thing I did. Joe was .375 percentage lower that what Wells offered in the beginning, way less docs to submit, and closed on the loan in less than 40 days. I wouldn't hesitate to use Joe again for other needs as well as refer him to a friend.
    - Brian B, Rush City, MN (Oct 2020) ★★ ★ ★ ★

    I would highly recommend Joe and his team to anyone seeking a mortgage loan. Very competitive rates and closing costs. More importantly, very clear and upfront about loan rates and closing costs from the outset. Very knowledgeable about mortgage business, as well as friendly and attentive to their customers. Overall a great experience!
    - Matt S, Minneapolis, MN (Oct 2020) ★★ ★ ★ ★

    Best Mortgage experience ever. Joe is a kind of person who have the complete knowledge about the industry and always provides you the updates in a timely manner. He educated me in a lot of stuff related to refinance and very transparent and provides you the latest info about the market and the mortgage. I would highly recommend him when you are looking for mortgage or refinance. Loved the overall process and updates along the way to closing my refinance.
    - D.B.S. Apple Valley, MN (Sept 2020) ★★ ★ ★ ★

    "As a first time homebuyer, Joe spent a large amount of time making sure I understood the process and answered any questions I had, clearly and promptly. The rest of the team was quick to respond to any questions I had as well. Overall, they made a daunting process for a first timer painless. I feel as though I knew what to expect along the way thanks to how clearly everything was explained to me. Amazing service. I highly recommend Joe and his team!
    - Samantha S. Apple Valley, MN (Aug 2020) ★★ ★ ★ ★

    Joe made the entire experience very straightforward. The numerous questions I had were always answered forthrightly and expertly with a very clear skill and expertise underlying the answers. He simplified the process to the point where I had complete peace of mind going into the largest financial transaction of my life - for which I am immeasurably grateful.
    - Joe G., Rosemount, MN (May 2020) ★★ ★ ★ ★

    Working with Joe and Eric on our home refinancing was as easy and smooth an experience as possible. They were very communicative and were there to guide us every step of the way.
    - Matt and Amy E., Maple Grove, MN (Nov 2019) ★ ★ ★ ★ ★

    The help was above and beyond what I could ever wish for, they made the experience of buying a house fun and a walk in the park! Very professional in knowing what they were doing and how to work any bumps in the road out! Hassle free! I'm really glad I went with them!
    - Carter B, Wisconsin (Oct 2019) ★ ★ ★ ★ ★

    Joe's done multiple mortgages for me, and while I research my options each time, Joe ALWAYS delivers. Thanks Joe for another seamless transaction.
    - Jeff K. Stillwater, MN (Sept 2019) ★ ★ ★ ★ ★

    Second time going through Joe for mortgage. Smooth as silk and got the quick close that we needed done. Highly recommended!
    - Eric P, St Paul, MN (Sept 2019) ★ ★ ★ ★ ★

    In the beginning I didn't even know what to ask, now I can't stop asking. I have learned so much. Thank you for your time and great wisdom. Now we're enjoying the gift of a new home. Blessings to you, your son and your wonderful staff. Wishing your business a long and successful life.
    - Naomi N. Minnesota (July 2019)

    Joe was a great source of information and I felt very comfortable talking to him. He kept me up to date on my loan and the status on the house I was purchasing.
    - Chris H. Oakdale, MN. (Sept 2018)

    Hi Joe, Just wanted to thank you again for doing such a great job on our loan from beginning to end. There is no one better. The closing went well. We will definitely always recommend your company.
    - Sheila and Butch V., Wisconsin (Sept 2018)

    Hey Joe!! Just wanted to let you know we are all moved in. Thanks to you and Eric the closing went smooth. Thank you so much for all the advice and answering all my questions. You guys do an amazing job!! I would recommend you to anyone who wants to buy a home. You made it so easy and stress free!! Thanks again!! We are so happy in our new home!!--
    - Tom and Sheila T., Marshall, MN (Sept 2018)

    Joe and Eric were great to deal with. Joe's a straight-shooter and I appreciate that. He's very knowledgeable and will do what he can to make sure everything stays on track. Both Joe and Eric are in constant communication which helps speed up the process and makes it far less stressful than it could be if dealing with a "traditional" lending institution. They won't steer you wrong!.
    - Kevin Campbell, St Paul Minnesota (August 2018)

    Joe and his team did a wonderful job orchestrating a very complicated closing for us. Due to a probate of the sale it took us longer than usual but his team stuck it out and helped us maintain a low interest rate in spite of the delay.
    - John S, Rural Minnesota (June 2018)

    Amazing experience with Joe! The whole process went smoothly and all our financing was in place well before the date of closing. We were kept in the loop and updated throughout the whole process. We love our new home! Highly recommend Joe Metzler!Thank you for being so very very helpful! We are happy home owners thatnks to you and your staff. Above and beyond service, highly recommended.
    - Tricia K, Rush City, MN (May 2018)

    Excellent Service. Put everything into terms I understood. Great company.
    - Kaity B, Little Falls, MN (May 2018)

    Thank you for being so very very helpful! We are happy home owners thatnks to you and your staff. Above and beyond service, highly recommended.
    - Christine R, Aberdeen, South Dakota (October 2017)

    Our closing yesterday went very smoothly. I just wanted to thank you not only for all your work, but for making this entire process a relatively easy one for us. It was pretty intimidating at first and you both did an excellent job at dumbing it down and were quick to answer any questions we had, no matter how stupid they may have sounded. I'm definitely willing to recommend your services and I can now see why you have such high ratings. Keep up the good work!
    - Allen P - Wisconsin (May 2017)

    Joe did an awesome job helping me buy my first home. I expected this to be overwhelming, but I got all my questions answered in a way I could understand, and it actually seemed way easier than I anticipated. Best part was he showed me this cool 3% down payment ...
    - Andy Andy - Madison, WI - March 2017

    As a first time home buyer, and not originally from this country, I had a lot of questions. I went to a bank first, but felt lost. My real estate agent had me talk to Joe Metzler. I was extremely pleased. He knowledge, expertise, and calm demeanor made my home purchase seem very easy, even with all my questions. If you need a great Loan Officer, I suggest Joe Metzler.
    Abrahim - Apple Valley, MN - Aug 2016

    Gave a lot of good information in our first talk, answered all my questions about buying our first home. Everything went smoothly. I loved the email status updates from him during the process, and when I had questions, he answered promptly.
    Jane - Mankato, MN - May 2016

    I have bought and sold many homes over the years. Far and away, Joe was the best Loan Officer expoerience. His email loan status reports kept me well informed all through the process. Thansk Joe, I will pass your name to everyone I know.
    Jesse - Saint Paul, MN - August 2015

    Hi Joe and Eric,
    I just wanted to say THANK YOU for making my home buying experience a great and flawless one! I know my case was not an easy one and I wouldn't have made it without all your hard work and efforts. Thank you for believing in me and guiding me throughout. I wished you guys were at closing to hear about your superb service and high tech system. The seller is also a realtor. Both the seller and my realtor spoke highly of your work. I will definitely be sending referrals your way and I am sure my realtor will be too. Again, thank you so much for all your hard work!!!
    Mary Ann V. - St Paul, MN (Sept 2013)

    We closed on our refinancing on Friday. Just wanted to let you know that this refinance was one of the most efficient, if not the most efficient, I have experienced - Thank you. Also, your costs were reasonable, and you did what you said you were going to do (something that is not as common as it should be). Thanks again, and I hope to work with you both again.
    - Mike G. White Bear Lake, MN. (January 2013)

    "I have had the most wonderful experience talking to Joe Metzler about a VA home loan today. I was miss lead by past companies, with the realization of how much time has passed with maybes and still no preapproval. I had gone from sick to my stomach, to feeling comfortable without all the sugar coating of maybe getting into a home loan. Joe spent 76 minutes with me over the phone discussing what I needed to do and what he could do for me. Wonderful part about the conversation is not once did I here” let me check with my supervisor, or can u hold, so we can transfer you to the next processor. I had received all my information in one voice, Joe Metzler. Thank you for taking your time, as well making my phone conversation personal and to the point. I may now get these teeth fixes from all the sugar I received from other companies. I hope you get this, You made may day Joe."
    - Caralee L, Wisc (August 2012)

    "Dear Joe and Eric, We are so very happy with our stress free and perfect home buying process! Thank you so much for working hard to have everything done earlier than expected. We really appreciate you!"
    - Belinda and Gary Gardner, Brooklyn Park, MN (March 2012)

    "Joe/Eric... I just closed. I want to thank you guys. You did an excellent job. Highly professional, excellent communications throughout the process, and tightly focused on getting this done. If you ever need a reference, call me. Thanks again"
    - Phil Egan, Gainsville, GA (Sept 2010)

    "Joe and Eric,
    I would like to thank both of you for helping me purchase my new home. You made the process relatively easy and stress free. I will definitely let friends and family know about the great service you provided me. I’m really glad I didn’t go with 1-800-BIG-BANK. Once again, thanks for making this possible.
    - Joe Xiong, St Paul, MN (May 2010)

    Thanks for helping us get this done, didn't really think it would happen. I called on a whim because you had placed my original mortgage on this house. Now we will be enjoying a lower house payment for years to come. Best wishes to you.
    - Angie W. Hammond, WI (Feb 2010)

    Hello Joe & Eric,
    I just wanted to personally thank you both for helping me secure my home in Cottage Grove. You made the process simple and easy to follow and took a lot of worry out of purchasing the home. I will gladly recommend you to anyone who is also seeking a home mortgage. Best wishes and continued success!
    -Tim M. (Sept 2009)

    Joe is genuinely concerned about finding the BEST loan for you. Very honest and hard working. I will refer all my friends to Joe.
    -Emily S. (April 2006)

    Very informative. Made the process easy. Joe worked with us as a client, not a loan number.
    -Eugene and Linda G. (Oct. 2005)

    Professional. Made a person feel very at ease. Answered all my questions and concerns. Super good listener.
    Bruce S. (Aug. 2005)

    Joe is very friendly and straight forward. I would recommend a friend, relative, or colleague to Joe.
    Angela B. (Sept. 2005)

    This is the second time we have used Joe as our loan officer. He is very good and works hard for his clients. We will use him again and would refer others to him!
    Robert and Emilie W. (Aug. 2005)

    Thank you for taking the time to educate us - it helped us make the right decision. Education is the key to making good business and financial decisions. We appreciate the time and attention we were given.
    Alan and Laurie W. (Aug. 2005)

    Hi, Joe and Eric,
    As I'm sure you assumed, everything went well yesterday. I have developed a bad case of carpal tunnel... Although you both have explained things to me, there are a few questions I might have, but I won't ask them until I have looked more carefully at the documents I brought home with me. I have been telling everyone I talk to about you two; you may hear from one or two of them in the near future. I hope you are still in this business when I am ready to do this again. You are a valuable resource, and beyond that, you have both earned my trust, admiration and respect, and unwavering loyalty.
    As you told me that first time I talked to you, Joe, you truly have very little competition. Thank you.
    Ronda W. (July 1, 2005)

    Just wanted to let you know how pleased I am with how everything went with our refinancing. We closed last Thursday, and everything went as expected with no nasty surprises. We had a very bad experience with a Bank a few years back so I was very apprehensive and a bit untrustful. Thanks so much for all of your extremely prompt responses to my numerous questions.
    Donna B.

    It has been a sellers market for some time now! There are very often multiple offers right away on homes. I can't afford to have my real estate clients offers rejected because I submitted it with an approval letter from Fly By Night Mortgage. Agents in the Twin Cities area know Mortgages Unlimited has a solid reputation as a completely reliable lender. That goes a long way in our offers getting maximum consideration. I tell buyers that supposedly saving $100 on closing costs with some out state internet lender isn't a deal. Heck, I won't even show people homes, let alone make an offer with an approval letter from those lenders!
    -Steve T. Realtor-GRI

    "If you come to my office with an approval letter from some internet mortgage company, or someone I've never heard of, I will NOT accept it. On the other hand, just knowing that you are working with The Joe Metzler Team at Mortgages Unlimited puts my mind at ease. If they say you are approved. You are!"
    -Chuck S. - Realtor

    Joe, I recently mentioned your name to several parties who are considering refinancing. Again, thanks for your great work on our behalf
    . - Ted B.

    "We built a new home. Construction took 5 months. Joe's Good Faith Estimate was off only $11.23"
    - Gene & Natalya, Inver Grove Heights, MN (March 2001)

    Joe, I appreciate the update to my rate (5.5% is fantastic). I also appreciate how you handle these type of situations. I only wish I had a need to refinance my house more often. Thanks.
    -Steve P.

    I previously refinanced my mortgage with you and had a good experience and you were able to obtain a very good rate and reasonable costs.� I now have a fellow physician who's in town to buy a house and I'd like to provide him with a quote from you if possible and then hopefully have him contact you to get preapproved.� Would you send me a quote for a 500K 30year mortgage including a GFE, assuming 20% down payment, and of course I don't have any info about insurance or taxes. Thanks and I look forward to hearing from you and hopefully I can send you some more business.
    -Dr. Keith W.

    Dear Mr. Metzler:
    I am in the course of preparing a Continuing Education seminar on the general subject of Predatory Lending. A major segment of the course will center around Truth in Lending, particularly the Good Faith Estimate. The attendees will be attorneys and other licensed professionals who need to fulfill CE hours to maintain their licenses (e.g., realtors, appraisers, title insurance licensees). Inasmuch as I have been in the title, escrow and closing business for over 20 years, I am finely attuned to the ways mortgage brokers deceive their borrowers while remaining in basic compliance with TIL. In doing my own research on the internet - particularly at looking at the promotions of mortgage brokers - I came across your site. I was startled by both the directness of your advertising and the absolutely right on visual analyses you display on how the lending system "really" works. May I have your permission to borrow your material - with full proper accreditation of course - as an aid to this instruction?
    Edward D. Hayman, President/Attorney
    Rockwell Title
    1370 West 6th St.
    Cleveland, OH 44113

    "I was working with Joe Metzler, but during the process, I stumbled across a broker called "Bxxxxxxe Mortgage" from St. Louis Park, who claims to have the 'Best Rate'. Their rate was 1/4% better in their advertisements. Without getting upset over possibly losing my business, Joe explained how their bait & switch operation worked, and gave me the questions to ask them. HE WAS RIGHT. Their quoted rates were not real. They were NOT able to lock me at the rate they claimed without a full and complete file delivered to their real lender within seven days. I would have been in for a big surprise if I had gone with them. I closed my loan with Joe Metzler, and couldn't have been happier. Thanks Joe!"
    -Charles E.

    "Just wanted to thank you for the outstanding service we received from you and your company. After the extremely poor and frustrating experience with Cxxxxxt Mortgage, we appreciated it."
    -Jeff & Suzanne O.

    Thanks for your response and advice. You are right in all of your assumptions and conclusions. My rate was 6.5% and I have now done the math, and the difference is 2 years longer if I pay the same incremental difference against principal in my current loan vs. a 15 year loan. I am now focused on a new 15 year refinance. MUCH thanks for your web-site (most sensible of any I found across the US) and your personal consultation.
    -Bruce S.

    "You have a great web site! Thank you for providing this valuable information on-line. After reading your "Beware of the Bad Good Faith Estimate" page, I asked the Florida lender I was using for more information. It was like pulling teeth. I decided to go with them anyway. They offered the same great rate as you, yet "appeared" to be thousands cheaper. You told me their estimate numbers were not true, yet I didn't believe you! As you already know, at closing, nothing was the same. We did one thing right! We followed your advice, and walked out of the closing without signing anything. Thank you ever so much for closing our loan! You did it in just 5 days, and your numbers were right on! Congratulations on doing it right."
    -Pamela P.

    "I wish to say thanks for your time and devotion in financing our home. Our loan was probably an unthinkable task, you held the keys and knowledge to unlock our dreams. I NEVER thought I could buy a home until I talked with you!
    - Todd and Virginia

    "Thank you…for going above and beyond your job. You showed me how I could save $247.00 a month and still pay off my loan in 15 years"
    - Mike M (Sept 1999)

    "Joe Metzler is very positive and helpful. We also looked at some of the big banks, but Joe was outstanding for service, warmth, understanding, and enthusiasm. He is a great asset to your company. He must be your top loan officer. I would recommend him to all our friends!"
    - Mike W (June 1998)

    "Joe is truly an asset to your company. As a result of his dedication, we did not worry about the mortgage at all. He is knowledgeable, conscientious & innovative. We felt as if we were his only customer!
    - Lynette and Mike (Jan 1997)

    "My mortgage experience (which was a "painful" process on our first home) was upbeat, positive, professional and most of all personal. I couldn't begin to say enough positive things about Joe Metzler. He held our hand the entire way!
    - Tom & Courtney (May 1997)

    "You are the man! I was already approved with another lender who I thought was charging to much, but it was only three days until closing. You explained what to look for when I called him back. With your help, I saved over 1% in interest, and you didn't even do my loan. I tell ALL my friends about you! P.S. Next house, you are doing my financing!
    - Arlow (July 1996)

    "Joe Metzler was great to us! We thank him from the bottom of our hearts for giving us the opportunity to own our own home! We had talked with a couple of other lenders, none of them explained things like you did. Thank you very much!
    - Chris (June 1996)

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