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 application process. Online 24-hours a day, over the phone, or in person. You pick the option that works best for you.

Once your mortgage application is started, expect to have an answer within 24 business hours, as our state-of-the-art loan processing system will work to give you an approval decision as quickly as possible.

For most of our customers, a house is the largest asset they will ever own. Therefore, the decision on which Minnesota mortgage company to assist you should not be considered lightly. Here are a few reasons to select us:

• Local – We are MN based, in business here since 1991, with an AAA+ Better Business Bureau record.
• Choice - We offer a full range of loan programs, conventional, FHA, VA, and more.
• Integrity – No games. No surprises. We make sure you are aware of the advantages and disadvantages of each option you consider.
• Communication - We will keep you updated every step of the way throughout the loan cycle. We don’t believe in surprises, so if an issue does arise, we’ll let you know right away and we’ll let you know what steps we’ll take.
• Customer Satisfaction - We rely heavily on our existing customers to refer their family, friends, neighbors, and colleagues, so we know we HAVE to do a good job for every one of our customers. Ask any homeowner who has done business with us.

COMPETITIVE RATES: Each individual mortgage loan is ran through our pricing engine to determine which bank or lender has the lowest interest rate and lowest costs. If there is a lower priced lender out there, we will find it!

UNSURPASSED CUSTOMER SERVICE: Our entire staff is held to the highest possible standards ensuring each and every homeowner receives top-notch customer service. We only employ Licensed Loan Officers (not unlicensed loan application clerks like the banks). Our goal is to make the loan process fast, easy, and stress-free.

LOAN OPTIONS: Each and every homeowner has a unique situation. How long do you expect to stay in the home? Is your credit good or bad? Questions like these allow us to determine the right loan for you, and by having a large selection of available programs we're sure to satisfy your needs, including conventional, Jumbo, FHA, VA, USDA Rural Development, and more.

PRIVACY AND SECURITY: We are committed to protecting your personal information and identity. All documentation is secured under lock and key in compliance with the all State and Federal Laws, all electronic transmittal's are via secure encryption, and all papers requiring destruction are securely shredded in a timely manner.

5 YEAR REFINANCE: When you obtain your loan from The Joe Metzler Team at Mortgages Unlimited, if you should decide to refinance it, for whatever reason, over the next 5 years, we pledge to do so with absolutely NO COST on behalf of Mortgages Unlimited (3rd party fees and escrows may still apply). There's no fine print, other than you must hold the initial loan for at least 180 days. It's as simple as that, and only valid with The Joe Metzler Team only.

HOW TO APPLY for a Mortgage in MN, WI, IA, ND, or SD
Applying online allows you to give us your information quickly and conveniently from the privacy of your computer. It only takes about 15 minutes to fill out our FULL application. You will have the option to complete it all at once or save it to finish later. A Loan Officer typically will contact you within 1-hour if you apply during normal business hours, or the next business day if you apply after hours.

Applying over the phone allows you to speak directly with a Loan Officer to complete your initial application. They will walk you through each part of the application and complete it for you based on your answers.

In Person is still the best way, as it allows us to "meet and greet" you.

The INFORMATION NEEDED for a mortgage application is different for each applicant, but all application will require the same basic information:

• Social Security Number
• Gross income amount, including secondary income sources, if applicable
• Asset information, (Checking, savings, 401k, investment, and other accounts)
• Name and address of your employer
• Estimated purchase price (if you are purchasing a home)
• Estimated property value (if you are refinancing a home)
• Estimated loan amount
• Estimated down payment amount (if you are purchasing a home)

AFTER COMPLETING AN ONLINE APPLICATION, you will get an immediate confirmation E-Mail, letting you know we have successfully received your application. Many people have "spam" blocker software, so please be sure to add the domains "@joemetzler.com" and "@joemetzler.com" to your "white list", or approved sending list.

VIEWING YOUR LOAN details and progress is easy. After application, you have access to a private secure area of our web site where you can view all aspects and progress of your loan! Every time someone touches your application, you get an Email notice!

AFTER ALL APPLICATIONS, your Loan Officer will work with you to answer any questions about your loan. They will be happy to discuss your loan wants, needs, goals, abilities, and the overall mortgage process to ensure that you’re comfortable with the loan you’ve selected. No matter how you’ve applied, you’ll be able to make changes to your loan request, adjusting such features as your loan type, or down payment.

IN MOST CASES, we will also need to send a copy of the completed application for you to sign and return. This can be sent to you by fax, Email, postal mail, or courier. You also will most likely be required to send supporting documents (such as bank statements and paycheck stubs) to us. We allow you to directly upload information to your application with any fax machine with our "Direct Fax" technology.

PROCESSING YOUR LOAN, AND GETTING A DECISION for most loans is performed by an automated underwriting system (LP/DU), which is designed to provide fast results, often with reduced documentation. In fact, most conventional loan decisions can often be made instantly!

With us, you can apply and close on many loans in a very short time period. However, each loan is different, and it’s important to communicate regularly with your Loan Officer throughout the period leading up to your closing date. This will allow you to be prepared in the event additional information is needed to finalize the loan.