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.
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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?
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How do I apply for a VA loan?
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What are current VA loan mortgage rates?
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How do I get a Certificate of Eligibility?
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Can I refinance my VA loan?
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Here are just a few reasons to work with us: We answer the phone! I’m always available for you. Including nights and weekends when the banks are closed.You can’t beat 50+ years of combined industry experience.Multiple Award winner - both local and nationally.We make the process as easy and painless as possible for all my clients.It’s easy to do business with us.We get the best possible deal for my clients.
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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 ★★ ★ ★ ★
The Benefits of a VA Loan in 2025: A Game-Changer for Veterans As of 2025, VA loans continue to be one of the most powerful benefits available to veterans, active-duty service members, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs, these loans
As many people know, a recent settlement after several years of litigation, including class-action suits from home sellers and a legal battle with the U.S. Justice Department is dramatically changing the way Real Estate Agents do business, how they get paid, and how they charge
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We are not acting on behalf of, or under the direction of the VA or the Federal Government. The Veterans Administration does not lend directly to the public, only through approved lending institutions like us here at Cambria Mortgage.
The Department of Veteran Affairs requires mortgage companies who offer VA Loans go through a stringent approval process. We are proud tp a VA approved mortgage lender and are proud to help military families use their VA Loan Benefits.
Equal Housing Lender, Cambria Mortgage NMLS# 322798. Our lending services provided only in the following states: Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, and Florida. This is not an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. The information here may not be up-to-date and may no longer be accurate. Products and interest rates are subject to change at any time due to changing market conditions. Actual rates available to you may vary based upon a number of factors. Consumers must independently verify the accuracy and currency of available mortgage programs. All loan approvals are subject to the borrower(s) satisfying all underwriting guidelines and loan approval conditions and providing an acceptable property, appraisal and title report. © 1998 - 2025, Joe Metzler, NMLS 274132