Comprehensive Home Financing Solutions for Every Situation
Whether you're buying your first home, upgrading to a larger space, refinancing your current mortgage, or building from the ground up, Joe Metzler and Cambria Mortgage have the expertise and lender relationships to get you the best rates and terms available.
With access to over 50 lenders and 25+ years of experience, we compare programs to find the perfect fit for your unique financial situation. Unlike retail banks that can only offer their own products, we shop the entire marketplace for you.
Complete mortgage solutions from experienced professionals
Ready to buy your dream home? We'll help you navigate the process and find the perfect financing option.
Lower your rate, reduce your term, or access your home's equity with a refinance.
Government-backed loans with low down payment requirements and flexible credit guidelines.
Exclusive benefits for veterans, active military personnel, and eligible surviving spouses.
Financing for luxury homes and properties that exceed conventional loan limits.
Build your dream home with construction-to-permanent financing in one loan.
Zero down payment loans for eligible rural and suburban properties.
Special programs and guidance designed specifically for first-time home buyers.
Financing for rental properties, multi-family homes, and investment real estate.
Experience, expertise, and exceptional service
Access to multiple lenders means we find you the best rate and program for your situation
25+ years serving Saint Paul, Twin Cities, and 7 states. We know the market.
Pre-approvals in 24 hours. Close in as little as 15 days. No unnecessary delays.
You work directly with Joe Metzler, not a call center. Direct communication throughout.
We explain every step clearly. You'll understand your options and make informed decisions.
5,000+ loans closed. 4.9-star rating. Real success stories from real clients.
Getting your loan approved is easier than you think
We'll discuss your goals, review your finances, and recommend the best loan programs for your situation. Free, no-obligation consultation available by phone, email, or in person.
Submit your application and documentation online or in person. Get pre-approved in 24 hours so you can shop with confidence and make competitive offers.
Work with your realtor to find the perfect property. We're available for questions throughout your search and can quickly provide additional documentation if needed.
Once under contract, we handle appraisal coordination, underwriting, title work, and all the details to ensure a smooth closing. You'll receive regular updates throughout.
Sign your final documents at the title company, get your keys, and move into your new home. Congratulations on your new home!
Find the right loan type for your situation
| Loan Type | Down Payment | Credit Score | Best For | Details |
|---|---|---|---|---|
| Conventional | 3-20% | 620+ | Good credit, stable income | Details → |
| FHA | 3.5% | 580+ | Lower credit, first-time buyers | Details → |
| VA | $0 | 580+ | Veterans, military, spouses | Details → |
| USDA | $0 | 640+ | Rural/suburban properties | Details → |
| Jumbo | 10-20% | 700+ | High-value properties | Details → |
*Requirements vary by lender and individual circumstances. Contact us for personalized guidance tailored to your situation.
Real results from real clients
"Joe made our first home purchase so easy! He explained everything clearly and got us an amazing rate. Closed in 3 weeks!"
"Refinanced with Joe and saved $400/month. He was responsive, professional, and made the process painless. Highly recommend!"
"True local expert. Joe knew the Saint Paul market inside and out. Got us pre-approved same day and we beat out other offers."
Let's discuss which loan program is right for you.