About Joe Metzler

Dedicated to Serving Those Who Served

For over 25 years, Joe Metzler — known as iMortgageJoe — has been helping veterans, active duty military, and their families across eight states achieve homeownership using their well-earned VA loan benefit.

As an independent mortgage broker with Cambria Mortgage, Joe works for YOU — not the bank. With access to over 50 lenders, he compares VA loan rates and programs to find the perfect fit for your unique situation.

Unlike retail banks or credit unions that can only offer their own products, Joe shops the marketplace to ensure veterans get the best possible VA loan rate and terms. This independent approach has saved his veteran clients millions of dollars over the years.

Why Veterans Choose Joe & Cambria Mortgage

• 25+ Years VA Loan Experience — Deep knowledge of VA loan products, guidelines, and local markets across eight states
• National Award Winning — 2024 National Association of Mortgage Brokers — Loan Officer of the Year
• Local Award Winning — 2014 MN Mortgage Association — Minnesota State Loan Officer of the Year
• Super Mortgage Professional — 2016–2026 Twin Cities Business and Mpls.St.Paul Magazine
• Independent Broker — Access to 50+ lenders means better VA rates and more options for you
• VA Loan Expert — Understands VA appraisals, COE, entitlement, funding fees, and IRRRL process
• Military Family Friendly — Experienced with PCS moves, deployment scenarios, and BAH considerations
• Personalized Service — You work directly with Joe, not a call center or loan processor
• Fast Closings — Streamlined VA loan process gets you to closing in as little as 15 days
• Multi-State Licensed — Serving veterans in AZ, CO, FL, IA, MN, ND, SD, WI
• Proven Track Record — Over 5,000 successful loan closings and counting

Education & Credentials

The Cambria Mortgage Difference for Veterans

Cambria Mortgage is not your typical mortgage company. As an independent VA loan broker, we work for our veteran clients — not a bank's bottom line. This means:

• Unbiased VA Loan Advice — Recommendations based on what's best for you and your family
• Competitive Rate Shopping — We negotiate with multiple lenders to get you the best VA loan deal
• More VA Loan Options — Access to VA loan programs that big banks don't offer
• Faster VA Approvals — Streamlined process without corporate red tape
• Expert VA Guidance — Navigate the VA loan process with confidence from start to close

Community Involvement

Joe is actively involved in the Saint Paul community, supporting local youth sports programs as former President of the Rosemount, MN High School Boys Soccer Booster Club, and other charitable organizations. He believes in giving back to the communities that have supported his business for over 25 years.

When he's not helping veterans achieve homeownership, Joe is deeply involved in the local Ham Radio community, RACES (Radio Amateur Civil Emergency Services), the South Metro Radio Club, and is a trained SkyWarn storm spotter for over 30 years. Joe also owns and operates a free community-based General Mobile Radio Service (GMRS) radio repeater serving primarily the Rosemount, Eagan, Apple Valley, and Inver Grove Heights, MN area.

What Veterans Say About Joe

"Joe made our VA loan process incredibly smooth. He handled our COE, explained every step, and we closed in under 30 days. As a veteran, I felt truly respected and valued."

"I didn't even know I could use my VA benefit a second time. Joe explained everything about bonus entitlement and we bought a bigger home with zero down. Incredible service!"

"Used my VA IRRRL with Joe and saved $320/month on my mortgage. The process was fast, minimal paperwork, and Joe kept me updated every step of the way."