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We know there is a Loan Officer on every corner, telling you how great their rates are, and promising to help grow your business. As you know, most of those promises fall flat. We also know it's scary for you to try a new lender, so you stick with the one you know.
My unique advantage is that I have been in the home loan business over 25-years. Experience is everything in this industry, and as a top 1% Loan Officer in the country, I have the experience of all facets of mortgage lending to help you to the closing table.
I can tell you that getting a home loan approved and closed IS CHALLENGING in today's market, and LOW LEVEL application clerks at the big banks and large internet lenders fall very short. You need the right person on your team.
Please take a moment to read this entire page to see why we are a lot more than empty promises, and worth trying out as your new lender partner
"All Loan Officers have great rates, competitive closing costs, and multiple programs. It's everything else that Real Estate Agents need to be concerned about." - Joe Metzler
Joe strives to establish mutually beneficial relationships with Realtors. His goal is to not just ensure all of your clients loans close smoothly, but to work as a team to build each other’s business.
I understand that mortgages are not a one-size-fits-all business, and I take pride in understanding my client's financial scenario and identifying the loan that best suits their needs. I know what happens at each step of the home loan process and why. Your home is the single largest item you will ever finance and the process shouldn’t have to be so hard, confusing, or scary and you shouldn’t have to do it alone.
With an expertise in all aspects of home mortgages, I can cater to both simple and challenging scenarios. I often assume files that others can't figure out how to get approved, primarily due to lack of experience.
Easy or hard, I appreciate the opportunity to assist you in making your home ownership dreams become reality. I am your partner from start to finish. So what sets me apart from everybody else? Communication, Responsiveness, Accuracy, Turnaround and most importantly…….. Close on Time, Every Time!!!
Call me or schedule a meeting below. Increase your income tomorrow!
Finding a Loan Officer who provides top notch personal service to get more people approved and closed quickly without wasting your time is easy if you are looking in the right spot.
Joe and Eric Metzler have the experience that you need. Over 40-years combined experience as a leader in the industry. Joe is a Certified Minnesota Mortgage Specialist (MMS), a Certified Home Ownership Accelerator Specialist, a founding member of the Honest Mortgage Brokers Association (UMB), and former Vice-President of Great Rivers Mortgage. Joe Metzler is also a 1998 graduate of the Residential Mortgage Lending School, a member of the National Association of Mortgage Brokers, and the Minnesota Mortgage Association.
“My top priority is to be the best service oriented loan officer in the business.” - Joe Metzler
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33 Wentworth Ave E, St Paul, MN 55118
Contact
Main (651) 552-3681
Joe@JoeMetzler.com
Cell/Text (651) 705-6261
We also call from
(651) 615-7545
(952) 486-6135
Cambria Mortgage
NMLS# 322798 Branch:1888858
Joe Metzler Loan Officer
NMLS# 274132. License MN #MLO-274132, WI #11418. SD #MLO.03095, ND #NDMLO274132, IA #36175, FL #LO119389, CO #100536785
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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.