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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 customer service sets us apart from the big banks and internet lenders.

  • OUR 5 STAR VA LOAN PROMISE

    There are a lot of companies offering VA loans in Minnesota, South Dakota, and Wisconsin to choose from. Sure, some of these mortgage companies are good, but here is why you should choose us to handle your families largest financial transaction.

    It is all about the customer experience! We deliver value-added loan solutions to fit every clients needs. Our goal is simple—to offer the unlimited loan options of a major lender with the personal service and feel of a family-owned business. 

    1) COMPETITIVE INTEREST RATES:
    As a VA lender, we originate, underwrite, and close our own loans. This allows us to offer some of the most competitive VA interest rates, and lowest possible true closing costs for our military personal. We thank you for your service, and you deserve nothing but the best!

    2) UNSURPASSED CUSTOMER SERVICE:
    We only employ Licensed Loan Officers (not unlicensed loan application clerks like the banks). Our entire staff, from Loan Officers, processors, Underwriters, and back office staff are all held to the highest possible standards - ensuring each and every client receives top-notch customer service. Our goal is to make the loan process seem to you fast, easy, and stress-free with no surprises. 

    The success of your loan application is 10% the company you choose, and 90% the Loan Officer you choose. All our Loan Officers are fully licensed, tested, and vetted by the government with background checks. That is impressive, considering a whopping 60% of Loan Officers are simply registered, and DO NOT have actually have a license! 

    3) VA LOAN OPTIONS:
    Each and every active or military veteran has a unique situation. How long do you expect to stay in the home? Is your credit bad, good or excellent? Purchasing a first home, refinancing? Questions like these allow us to determine the right loan for you. We not only offer VA loans, but we have a large selection of available programs we're sure to satisfy your needs, including conventional, Jumbo, FHA, USDA Rural Development, and more. 

    4) PRIVACY AND SECURITY:
    We are committed to protecting your personal information and identity. From secure online VA loan Applications, to limiting who has access to your file, and making sure all documentation is secured under lock and key - all in compliance with the all State and Federal Laws. 

    5) FIVE YEAR REFINANCE PROMISE:
    When you obtain your loan from The Joe Metzler Team at Cambria Mortgage, if you should decide to refinance it, for whatever reason, over the next 5 years, we will offer to refinance your loan with absolutely NO Lender ORIGINATION Fee (ALL other 3rd party fees, costs, and escrows will still apply). There's no fine print, other than you must make at least 6 payments on the initial mortgage loan. It's as simple as that.

    As loan officers are independent, this offer only valid with The Joe Metzler Team of Cambria Mortgage.