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  • Top rated nationally and locally year after year. Because clients agree - expert Loan Officers, interest rates you can brag about and amazing service sets us apart from the big banks and internet lenders.

  • Competitive rates on all VA loan programs

    Our VA loan rates generally beat the big VA internet lenders, plus we are local.

    VA Lender in MN

    Your Local MN VA Loan Experts

    VA home loans are a true benefit for your service to this country. Our local VA loan experts will guide you to the perfect VA loan.

    Support throughout the entire process

    With well over 20-years assisting local U.S. Military personal obtain a VA home loan, our team of VA loan experts can answer all your questions to make sure you have a smooth and successful transaction.

  • Shopping Around? Start here.

    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.

    Start Here

  • Ready to Apply? Start here.

    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

  • Reviews and Testimonials

    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 Refinance Options

    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

  • Looking for a VA loans in MN, WI, IA, SD, or ND?

    Thank you for your service. You deserve nothing but the best. 

    From Minneapolis and St Paul, to Rochester and Duluth. From Madison, and Milwaukee to Green Bay. From Sioux Falls, to Fargo, and Des Moines to Cedar Rapids and Davenport, we do upper midwest VA loans right! We are your local VA lender based right here in the Twin Cities of Minneapolis, St Paul. Our local VA loan experts live here, work here, and support our local military personal.

    If you are current or retired military, you can not beat using a VA loan to buy your home. A VA loan is one of the best benefits for your service.

    With so many VA lenders to choose from both locally and nationally, you need to pick one you can trust to provide the government mortgages that is best for you - and that usually isn't some out-state internet lender who can't even find this area on a map!

    You can expect to receive the most competitive interest rates, and lowest closing costs on your VA loan from our knowledgeable VA mortgage professionals. There is nothing on the internet you can’t get from us, and the reality, is we are usually better.

    See our 5 Star Promise

  • Need the lowest VA loan interest rates in MN, WI, IA, ND, SD?

    VAMortgageMN.com, by Cambria Mortgage is committed to providing you with some of the best and lowest VA interest rates in the upper midwest states of Minnesota, Wisconsin, Iowa, North Dakota, and South Dakota!

    Get a personalized mortgage interest rate and closing cost quote 24/7. No SSN required.  We are your local award winning Mortgage Experts, with a 5 STAR Performance Promise!

  • 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?

    If you need to take a little extra cash out of your home, VA loans allow you to take cash out up to 100% of today's appraised value of your home (less any funding fees). What could you do with the extra money if you refinance your VA mortgage? Anything you want! Remodel your home, pay off student loans or credit cards, or even consolidate debt! Learn more about a VA Cash Out refinance

  • Latest VA Mortgage News

  • Succeeding in a Seller’s Market: We have an App for That

    May 18, 2022
    Succeeding in a Seller’s Market: We have an App for That

    Today’s competitive housing market requires buyers, lenders and real estate agents to act fast. For quite some time multiple competing offers, seller-favored contracts and homes selling well-above listing have become the norm. This environment requires buyers to be

    Read more

  • 5 things you should do to get ready to buy a home

    April 15, 2022
    5 things you should do to get ready to buy a home

    Minneapolis, Minn: Buying a new home is an exciting prospect. Make sure you don’t hit any potential bumps along way by following our tips below. Examine Your Finances Obviously purchasing a home is a large financial decision. Taking a look at your monthly expenditures and

    Read more

  • VA First Time Home Buyers don't need Down Payment Assistance

    VA Loans are do not require a down payment, and the sellers can pay your closing costs, so there is no need to bother with any down payment assistance programs in most cases.  You can potentially combine a VA loan and a down payment assistance program. Ask for details.

    We can take your VA Loan Application in our office, over the phone at (651) 552-3681, or you can complete a VA Loan Application securely apply online 24/7.

    Regardless of the application manner, your information will be processed and reviewed by an experienced, local, and licensed VA Loan Officer.