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  • EXPERIENCE MATTERS: With over 50-years combined lending experience, Joe and Eric Metzler are your VA home loan experts.
  • Top VA Home Loans in Minneapolis, St. Paul, and Beyond: Trusted Local VA Lender

  • VA Loans MN CO FL IA ND SD WI
    VA Loans MN CO FL IA ND SD WI
    Cambria Mortgage VA Loans MN CO FL IA ND SD WI
    VA Loans MN CO FL IA ND SD WI
    VA Loans MN CO FL IA ND SD WI
    VA Loans MN CO FL IA ND SD WI
    VA Loans MN CO FL IA ND SD WI
  • Not a full application, yet quick and easy. Our online Loan Assistant is here to help narrow down options based on your individual needs. Answer a few simple questions, then we can narrow down programs and options. If you like it, then we can move on to a full application.

    Quick Qualify

  • Ready for a full approval? Complete the full application for a proper Pre-Approval on buying your dream home, or to get that great low rate VA streamline refinance going.

    Full Application

  • Read what past clients have to say about Cambria Mortgage. Satisfied clients don't come easy. It requires knowledge, experience, commitment, combined with low rates and closing costs.

    Read Reviews

  • VA has two great refinance options, the IRRRL Interest Rate Reduction loan (commonly known as a streamline refinance), or a Cash Out Refinance option up to 100% of today's appraised value

    Refinance Application

  • Thank you for your military service—you deserve the best VA home loan experience! From Minneapolis and St. Paul to Rochester, Duluth, Madison, Milwaukee, Green Bay, Sioux Falls, Fargo, Des Moines, Cedar Rapids, Davenport, Denver, and Miami, we’re your local VA lender, based right here in the Twin Cities. 

    Our VA loan experts live, work, and serve our military community with pride. As a current or retired military member, a VA loan is one of the greatest benefits for your service, offering unmatched advantages for homeownership. With so many online VA lenders out there, trust our local team to deliver the most competitive interest rates and lowest closing costs—better than out-of-state internet lenders who don’t know our area.
     
    Choose us for personalized, trustworthy VA mortgage solutions that honor your service! 

    See our 5 Star Promise


  •  Fast and Easy VA Loan Process

    STEP 1

    COMPLETE A SIMPLE APPLICATION

    Online, over the phone, in-person, or with our mobile app. Applying Online is the most popular option

    STEP 2

    GET YOUR LOAN APPROVED

    Submit all your paperwork, like pay stubs, W2's, and bank statements.

    STEP 3

    RECEIVE YOUR PRO-APPROVAL LETTER

    Once all the previous steps are done, you are ready to meet with a Real Estate Agent to find that perfect home.

  • Looking for the lowest VA loan interest rate?

    At VAMortgageMN.com, powered by Cambria Mortgage, we deliver top-tier VA home loan rates across Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, and Florida. As your trusted local VA lender in the Upper Midwest and beyond, our award-winning mortgage experts provide personalized VA loan quotes 24/7—no SSN needed.
     
    With our 5-Star Performance Promise, we outshine big online VA lenders, offering the same competitive interest rates and low closing costs tailored to veterans and active military, combined with professional licensed Loan Officers
  • VA Purchase or Refinance Loan

    For our military personal, we offer an amazing VA Home Loan to buy your home. Standard home refinancing loans, including the VA Streamline Refinance, also known as an IRRRL Loan.  No appraisal needed, and limited documentation needed.

    Need Cash Out With A VA Loan?

    Unlock up to 100% of your home’s appraised value (minus funding fees) with a VA cash-out refinance. Our VA loan experts at VAMortgageMN.com make it easy to access extra cash. Use it to remodel your home, pay off credit cards or student loans, consolidate debt, or anything else you choose! Refinance your VA mortgage today and turn your home’s equity into opportunity.

    Learn more about a VA Cash Out refinance

    Ask Questions, Get Answers.

    Have VA Loan Questions? Get Expert Answers Fast! At VAMortgageMN.com, our VA loan specialists are ready to answer your questions. Common VA loan questions we address daily include:
    • What credit score is needed for a VA loan?
    • How do I apply for a VA loan?
    • What are current VA loan mortgage rates?
    • How do I get a Certificate of Eligibility?
    • Can I refinance my VA loan?
    Call Now to Learn About VA Loans
  • Why The Joe Metzler Team for Your VA Loan

    At VAMortgageMN.com, we know phone apps, robots, and big internet lenders with rockets don’t truly care about you or your VA loan. A magic button for a mortgage sounds great, but the home-buying process can be complex and overwhelming—especially with the wrong team. That’s where the Joe Metzler Team at Cambria Mortgage shines. As your local VA loan lender with full VA underwriting authority, we don't take your application and send it off somewhere else, we underwrite your loan right here. We make the decision! 

    How do we ensure you get the best VA loan deal? We’re in your corner, beating banks, online lenders, and Realtor in-house lenders every day with competitive VA loan rates and personalized service from local, licensed VA loan experts. Our team, led by pros like Award winning Executive Loans Officer Joe Metzler, works directly with you to keep you informed and on track throughout the entire process. We succeed when you succeed, focusing on closing your loan on time with a stress-free experience, building lasting relationships along the way.
     
    Ready for a better VA loan experience?  Then skip the big online VA lenders. We’ll help you secure a competitive VA loan rate and save thousands with a hassle-free process. Contact us today!
     
    • Here are just a few reasons to work with us:
       
      blank We answer the phone! I’m always available for you. Including nights and weekends when the banks are closed.
      blankYou can’t beat 50+ years of combined industry experience.
      blankMultiple Award winner - both local and nationally.
      blankWe make the process as easy and painless as possible for all my clients.
      blankIt’s easy to do business with us.
      blankWe get the best possible deal for my clients.

  • Zero Down Payment with VA Loans – Plus More Options!

    VA loans offer incredible benefits for veterans—no down payment is required, and sellers can cover your closing costs, often eliminating the need for down payment assistance programs. However, if you need help with closing costs, you can potentially combine a VA loan with a down payment assistance program.
     
    Ready to apply? We make the VA loan application process easy and secure. Visit our office, call us at (651) 552-3681, apply online 24/7, or schedule a phone, Zoom, or office appointment.
     
    No matter how you apply, your application will be handled by an experienced, local, licensed VA loan officer dedicated to serving veterans with personalized care. Start your VA loan journey today!
     

    Client Testimonials Snippet

     View full testimonial page

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    Joe was very open and informative when it came to getting a VA loan. He walked us through the process and made things very easy for us. He answered any questions we had and explained the answers thoroughly. We close tomorrow! Joe made it easy for us. Thanks Joe!
    Michelle R, St Paul, MN. (Purchase, July 2024) ★★ ★ ★ ★

    Joe was very informative, unbelievably knowledgeable in his field! He helped us finance our dream home. I hope to never move again but if I did, I will call Joe! Great guy! I highly recommend!
    Beth A (Purchase, Sept 2023) Pine City, MN. ★★ ★ ★ ★

    Very satisfied. Everything was so well explained, and both of you are great trouble shooters! I feel that you and Eric were the perfect team to successfully offer us an asset depletion loan. You both are truly experts in your fields!!
    Ken M. (Purchase - April 2022) Minneapolis, MN ★★ ★ ★ ★

    I highly recommend Joe and Eric, they made the process simple and quick! Joe is highly knowledgeable and can get the job done.
    Anita M. (Investment Property Refinance), International Falls, MN ★★ ★ ★ ★

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