• EXPERIENCE MATTERS: With over 50-years combined lending experience, Joe and Eric Metzler are your VA home loan experts.
    Cambria Mortgage VA Loans MN CO FL IA ND SD WI
  • VA Loans in MN, CO, FL, IA ND, SD, and WI from Cambria Mortgage.

  • 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 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, Davenport, Denver, and Miami, we do 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

  •  Fast and Easy VA Loan Process

    STEP 1


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

    STEP 2


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

    STEP 3


    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?

    VAMortgageMN.com, by Cambria Mortgage is committed to providing you with some of the most competitive VA interest rates in the upper midwest states of Minnesota, Wisconsin, Iowa, North Dakota, and South Dakota, plus Colorado, and Florida.

    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, that blows away the big internet VA lenders.

  • 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

    Ask Questions, Get Answers.

    We are here to help, get answers to these common questions and more:

    Common Questions we answer everyday:

    Credit score needed for a VA loan, how to apply for a VA loan, VA loan mortgage rates, how to get a certificate of eligibility, can I refinance my VA loan.  Simply call our VA loan experts to get your question answered at (651) 552-3681, or click the chat icon in the bottom right corner (if available).

  • Why The Joe Metzler Team for Your VA Loan

    Phone apps, robots, unlicensed application clerks, and companies with rockets don't care about you or your loan. It would be cool to just push a button and magically get a mortgage loan, but it really doesn't work that way. The reality is home buying process can be tedious and overwhelming, especially if you are working with the wrong people.

    How can you be sure you are getting the best deal? We are in your corner. As the actual VA Loan lender, with full underwriting authority from the VA,  home loans are all we do. We beat the banks, the big internet lenders, and the Realtor's in-house lender everyday with our competitive interest rates on VA home loans, and personalized service from LOCAL professional Licensed VA Loan Experts.

    Cambria Mortgage pros like Joe Metzler work directly with you to ensure you stay informed and on track throughout the entire performance.  We succeed when you succeed. Our ultimate goal is to create lasting relationships by closing your home loan on time with a stress free process.

    We can do the same for you! So if you are checking mortgage rates in Minneapolis, St Paul, or all of Minnesota, Colorado, Florida, Wisconsin, South Dakota, North Dakota, Iowa, we can help you get a competitive rate and cost without all the hassle and potentially saving you thousands of dollars!

    • 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.

  • VA First Time Home Buyers Usually 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.  But, YOU CAN potentially combine a VA loan and a down payment assistance program, especially if money is needed to cover closing costs. Please ask our VA Loan Experts 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.

    Client Testimonials

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    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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