You Deserve the Best VA Home Loan Experience - 0% Down � No PMI � 100% Financing
Lower your rate or tap into your home's equity
Also known as the "Streamline" refinance, this is the easiest way to lower your interest rate with minimal paperwork.
You must wait 210 days from your first mortgage payment and make at least 6 payments before you can do a VA streamline refinance.
Tap into your home's equity for home improvements, debt consolidation, or other needs.
Even if you initially used a different loan type, you may still be eligible for a VA loan if you meet service requirements.
Who qualifies for these incredible benefits
Currently serving with at least 90 consecutive days of active service during wartime or 181 days during peacetime.
Minimum service requirements vary but generally include 24 continuous months or the full period called to active duty.
At least 6 years of service in Selected Reserve or National Guard, or 90 days of active duty (including training).
Surviving spouses of service members who died in line of duty or from service-connected disability.
Not sure if you qualify? We'll help you verify your eligibility quickly.
Your VA loan deserves personal attention, not a call center
We understand Minnesota and Wisconsin VA appraisal requirements, military bases, and local real estate markets.
Local processing means faster turnaround times - often 30 days or less from application to closing.
You work directly with Joe Metzler, not a different representative every time you call.
We consistently beat online lenders on both interest rates and closing costs for VA loans.
VA rates are at historic lows. Lock in your 0% down payment loan before rates rise.
Specialist Available: Ask for our VA loan expert when you call.
Answers to common questions from military homebuyers
A one-time fee that helps fund the VA loan program. It can be financed into your loan amount. First-time use with 0% down is typically 2.3%.
Yes! You can reuse your VA loan benefit multiple times, as long as you have remaining entitlement.
While the VA doesn't set a minimum, most lenders look for 620+. We offer more flexibility for veterans.
Yes! VA loans allow purchase of 1-4 unit properties, as long as you occupy one unit as your primary residence.
The condo project must be VA-approved. We can help check approval status or guide you through the process.
Certificate of Eligibility can be obtained through the VA eBenefits portal, or we can usually get it for you when you get your loan from Cambria Mortgage - we handle the paperwork!
Joe has helped hundreds of military families achieve homeownership through VA loans. Let us serve you with the expertise you deserve.
Thank you for your service! Let us help you get into the home you deserve.