Home Purchase - Home Refinance
For Properties in MN WI IA ND SD CO FL
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.
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.
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.
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
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.
See our 5 Star Promise
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.
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.
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
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!
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
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.
1549 Livingston Ave, Suite 105, St Paul, MN 55118
(651) 552-3681
Loans@VAMortgageMN.com
Cambria Mortgage, Inc | NMLS #322798
Branch Manager: Joe Metzler, NMLS #274132
Branch NMLS #1888858
Licensed in CO, FL, IA, MN, ND, SD, WI.
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
Rates listed here are national averages. Your actual interest rate may vary based on your personal situation, loan type, credit scores, and closing cost choices. Lower rates available by paying discount points (higher closing costs). Lower closing costs available by taking a higher interest rate. Rates below reflect PURCHASE loan interest rates, refinance rates tend to run higher.
NOTICE: You will be leaving this VA Mortgage website, and will be taken to the Cambria Mortgage MY ACCOUNT page. You must already have a login and password to view your account, upload documents, etc.