• (651) 552-3681

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

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  • VA Loan in 2025: A Game-Changer for Veterans

    As of 2025, VA loans continue to be one of the most powerful benefits available to veterans, active-duty service members, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs, these loans offer unparalleled advantages for homeownership, making them a top choice for those who’ve served.

    VA Lender

    Here’s why a VA loan could be your best option this year.

    No Down Payment Required
    One of the standout benefits of a VA loan in 2025 is the ability to buy a home with zero down payment. Unlike conventional loans, which often require 5-20% down, or FHA loans needing at least 3.5%, VA loans eliminate this barrier. This allows veterans to achieve homeownership without draining their savings, even in competitive markets like our backyard of St Paul, Minneapolis, or all of Florida.

    Competitive Interest Rates and No PMI
    VA loans typically offer lower interest rates compared to conventional mortgages. In 2025, with mortgage rates fluctuating due to economic conditions, this advantage helps veterans save thousands over the life of their loan. Additionally, VA loans don’t require private mortgage insurance (PMI), a monthly fee that conventional borrowers often pay when their down payment is less than 20%. This can save you $100-$300 per month, depending on your loan size.

    Flexible Credit Requirements
    The VA loan program remains accessible in 2025, with more lenient credit requirements than conventional loans. While many lenders may have their own minimums (often around 620), the VA itself doesn’t set a strict credit score threshold. This flexibility makes homeownership achievable for veterans who might be rebuilding their credit, especially after facing financial challenges post-service.

    Seller-Paid Closing Costs and Cash-Out Options
    Another key benefit is that sellers can cover your closing costs with a VA loan, reducing out-of-pocket expenses. In 2025, this is particularly helpful in buyer-friendly markets across states like Wisconsin, Iowa, or Colorado. Plus, VA loans offer a cash-out refinance option, allowing you to access up to 100% of your home’s appraised value (minus fees) to pay off debt, fund home improvements, or cover other expenses.

    Local Support from VA Loan Experts
    Working with a local lender like the Joe Metzler Team at Cambria Mortgage ensures personalized service tailored to veterans. In 2025, their VA loan experts in Minnesota, Wisconsin, Florida, and beyond provide competitive rates, low closing costs, and a stress-free process—outshining big online lenders. Whether you’re in Fargo, Milwaukee, or Denver, a local VA loan officer can guide you every step of the way.

    A Hassle-Free Path to Homeownership
    With no down payment, lower rates, no PMI, and flexible credit requirements, VA loans in 2025 remain a cornerstone of financial empowerment for veterans. Ready to take advantage of these benefits?

    Call Cambria Mortgage, the Joe Metzler Team at (651) 552-3681 or apply online right on this webiste to start your journey to homeownership today!

    VA mortgage loan application

  • ** 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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