• EXPERIENCE MATTERS: With over 50-years combined lending experience, Joe and Eric Metzler are your VA home loan experts.
  • 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.

  • 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 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

  • VA Loans in MN, WI, IA, ND, SD, CO, FL, CO, and FL from Cambria Mortgage.


    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, 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

  • 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:

    VA loan credit score, how to get a VA loan in Minnesota, best VA loan rates, how to get a VA mortgage, VA loan rates, how to apply for a VA loan, and more.  Simply call our VA loan experts at (651) 552-3681, or Click the Chat Icon in the bottom right corner )if available).

  • Latest VA Mortgage News

  • Waiting to buy a house?

    November 3, 2023
    Waiting to buy a house?

    Minneapolis, MN:  We get it. Today's mortgage interest rates are bouncing around rates not seen for 20-years, causing many people to pause their home purchase plans.  Who can blame you.  But, is waiting costing you more money in the long run than buying today, then

    Read more

  • 4-years in a row, 2023 Best of St Paul Award for Mortgages

    2023 Best of St Paul Award for Mortgages Cambria Mortgage, The Joe Metzler Team has been selected four years in a row for the Best of Saint Paul Awards for Mortgages and now qualifies for the 2023 Saint Paul Business Hall of Fame. Press Release FOR IMMEDIATE

    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.