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

  • Cambria Mortgage


    If our logo looks familiar, that is because Cambria Mortgage is owned and operated by the family that provides Cambria Counter Tops, the luxury natural quartz surfaces. Cambria is the leading producer of quartz surfaces in North America.

    Cambria Mortgage is headquartered in Eden Prairie, MN. and is committed to the same standards of service, quality and integrity as our parent company. Great low rates, low closing costs, and unsurpassed customer service is our trademark.

    As a full service mortgage company, Cambria Mortgage not only offers VA loans, but a wide array of both purchase and refinance mortgage loan options, including:

    Whether you’re buying a new home or refinancing your current mortgage, our experienced local mortgage consultants will work with you from start to finish to find the best loan for your needs with unbeatable hometown service.

  • Proven Success, Trusted, Experience

    Cambria Mortgage is dedicated to the success of our customers. We are experienced, local and pride ourselves on processing all of our loans in-house. Watch our video to learn why you should partner with Cambria Mortgage for your next home purchase or refinance with a VA loan.

    We are here to serve you not only in the short term, but as a client for life. As your trusted mortgage partner we'll deliver professional efficient mortgage services from the start of the loan process through your closing and beyond!

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    Joe Metzler

    Branch Manager/Sr Loan Officer

    NMLS 274132

    Experience and Education Matter

    Joe Metzler is a nationally known mortgage expert, with over 25-years lending experience. He has personally closed thousands of mortgage transactions equaling well over $500 million dollars in closed loans. Locally, Joe has been named the Minnesota Mortgage Associations coveted State of Minnesota 2014 Loan Officer of the Year, and has been recognized nationally will multiple year awards as a Top 300 in the nation Loan Officer.

    He has written many articles on mortgage loans for numerous industry publications and web sites including Bankrate.com. Joe has also taught classes for Loan Officers, Realtors, and first time home buyers.  Joe has appeared on multiple radio stations, TV stations, and articles as the mortgage expert. With each customer's desires and goals his top priority, Joe Metzler is ready to assist with all your financing needs!

    Joe started out as a Loan Officer at a small broker shop in the 1990's, then moved to Mortgages Unlimited in 2000. Quickly becoming a top rated Loan Officer for them for just under 19-years, until June 2019. At which time he made the switch to Cambria Mortgage to better serve his clients.

    Cambria Mortgage, is a locally owned and operated mortgage company based in Minnesota , and brought to you by the same family that brings you the industry-leading Cambria Countertops. Together we are unified to our commitment to providing all of our customers with the highest levels of quality and service in everything we do. Cambria Mortgage serves home owners in all of MN, WI, FL, SD, IA, ND, TX, CO. Joe is currently licensed in MN, WI, SD, ND, and IA.

    Did you know around 70% of Loan Officers are not licensed? Yikes. As a licensed mortgage professional, not only will I just take the application and process your file, but I will show you all your different options. You tell me what you really want, and then I will advise you on what I think is best based on your needs and financial goals. I'm proud to provide solutions to each of my customers, no matter what their financing needs!


    • 2023, 2022, 2021, 2020, 2019, 2018 - Super Mortgage Professionals™ (Twin Cities Business Magazine)
    • 2018 - Top 300 Loan Officer in the nation (National Mortgage News)
    • 2016 - Top 300 Loan Officer in the Nation (National Mortgage News)
    • 2015 - Top 100 Loan Officer in the Nation (National Mortgage News)
    • 2014 - Minnesota Loan Officer of the Year (Minnesota Mortgage Association)
    • 2011 - 40 Most Influential Mortgage Professionals to Watch (NMPM)
    • 2010 - Top 150 Loan Officer in the Nation based on Dollar Volume (Origination News)
  • VAMortgageMN.com is a website specifically for VA Loans in the great states of Minnesota, Wisconsin, Iowa, North Dakota, and South Dakota. It is run is by Loan Officer Joe Metzler (NMLS ID#274132), with Cambria Mortgage (NMLS ID#322798) out of their St Paul, MN office.