Mortgages Archives - VA Mortgage MN

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Joe Metzler — Wed, 14 May 2025 03:04:44 +0000

Home

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. Our VA loan experts live, work, and serve our military community with pride. As a current or retired military member, a VA loan is one of the greatest benefits for your service, offering unmatched advantages for homeownership. With so many online VA lenders out there, trust our local team to deliver the most competitive interest rates and lowest closing costs—better than out-of-state internet lenders who don’t know our area. Choose us for personalized, trustworthy VA mortgage solutions that honor your service! See our 5 Star Promise STEP 1 COMPLETE A SIMPLE APPLICATION Online, over the phone, in-person, or with our mobile app. Applying Online is the most popular option STEP 2 GET YOUR LOAN APPROVED Submit all your paperwork, like pay stubs, W2's, and bank statements. STEP 3 RECEIVE YOUR PRO-APPROVAL LETTER Once all the previous steps are done, you are ready to meet with a Real Estate Agent to find that perfect home.At VAMortgageMN.com, powered by Cambria Mortgage, we deliver top-tier VA home loan rates across Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, and Florida. As your trusted local VA lender in the Upper Midwest and beyond, our award-winning mortgage experts provide personalized VA loan quotes 24/7—no SSN needed. With our 5-Star Performance Promise, we outshine big online VA lenders, offering the same competitive interest rates and low closing costs tailored to veterans and active military, combined with professional licensed Loan OfficersFor 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 With A VA Loan? 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 Ask Questions, Get Answers. Have VA Loan Questions? Get Expert Answers Fast! At VAMortgageMN.com, our VA loan specialists are ready to answer your questions. Common VA loan questions we address daily include: What credit score is needed for a VA loan? How do I apply for a VA loan? What are current VA loan mortgage rates? How do I get a Certificate of Eligibility? Can I refinance my VA loan? 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! How do we ensure you get the best VA loan deal? We’re in your corner, beating banks, online lenders, and Realtor in-house lenders every day with competitive VA loan rates and personalized service from local, licensed VA loan experts. Our team, led by pros like Award winning Executive Loans Officer Joe Metzler, works directly with you to keep you informed and on track throughout the entire process. We succeed when you succeed, focusing on closing your loan on time with a stress-free experience, building lasting relationships along the way. Ready for a better VA loan experience? Then skip the big online VA lenders. We’ll help you secure a competitive VA loan rate and save thousands with a hassle-free process. Contact us today! Check VA mortgage rates in Minneapolis, St Paul, or all of Minnesota, Colorado, Florida, Wisconsin, South Dakota, North Dakota, Iowa, Here are just a few reasons to work with us: We answer the phone! I’m always available for you. Including nights and weekends when the banks are closed. You can’t beat 50+ years of combined industry experience. Multiple Award winner - both local and nationally. We make the process as easy and painless as possible for all my clients. It’s easy to do business with us. We get the best possible deal for my clients. VA loans offer incredible benefits for veterans—no down payment is required, and sellers can cover your closing costs, often eliminating the need for down payment assistance programs. However, if you need help with closing costs, you can potentially combine a VA loan with a down payment assistance program. Ready to apply? We make the VA loan application process easy and secure. Visit our office, call us at (651) 552-3681, apply online 24/7, or schedule a phone, Zoom, or office appointment. No matter how you apply, your application will be handled by an experienced, local, licensed VA loan officer dedicated to serving veterans with personalized care. Start your VA loan journey today! Client Testimonials Snippet View full testimonial page Joe was very open and informative when it came to getting a VA loan. He walked us through the process and made things very easy for us. He answered any questions we had and explained the answers thoroughly. We close tomorrow! Joe made it easy for us. Thanks Joe! Michelle R, St Paul, MN. (Purchase, July 2024) ★★ ★ ★ ★ Joe was very informative, unbelievably knowledgeable in his field! He helped us finance our dream home. I hope to never move again but if I did, I will call Joe! Great guy! I highly recommend! Beth A (Purchase, Sept 2023) Pine City, MN. ★★ ★ ★ ★ Very satisfied. Everything was so well explained, and both of you are great trouble shooters! I feel that you and Eric were the perfect team to successfully offer us an asset depletion loan. You both are truly experts in your fields!! Ken M. (Purchase - April 2022) Minneapolis, MN ★★ ★ ★ ★ I highly recommend Joe and Eric, they made the process simple and quick! Joe is highly knowledgeable and can get the job done. Anita M. (Investment Property Refinance), International Falls, MN ★★ ★ ★ ★

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Buy a Home With A VA Loan

Joe Metzler — Fri, 25 Apr 2025 00:28:10 +0000

Buy a Home With A VA Loan

Are you an active-duty or retired U.S. military member? Unlock exclusive VA home loan benefits designed to make homeownership affordable and straightforward. At [Your VA Mortgage Company Name], we specialize in helping veterans and service members secure the best VA loans for their dream homes. Why Choose a VA Loan? Purchasing a home is one of life’s biggest investments, but the process can feel overwhelming. Traditional loans often require large down payments, strict credit requirements, and costly mortgage insurance. VA loans stand out by offering: No down payment – Save thousands upfront. No private mortgage insurance (PMI) – Lower your monthly payments. Flexible credit requirements – Easier qualification for veterans. Competitive interest rates – Maximize your savings over time. Simplify Your Homebuying Journey Navigating the homebuying process can be complex, from verifying income to covering closing costs. At Cambria Mortgage, our dedicated team, led by experienced professionals, is committed to finding the perfect VA loan tailored to your needs. We guide you every step of the way, ensuring a smooth and stress-free experience. Why Trust VAMortgageMN.com by Cambria Mortgage? VA Loan Experts: We specialize in VA home loans, helping you maximize your benefits. Personalized Service: We understand every veteran’s situation is unique and craft solutions to fit. Trusted by Veterans: Our proven track record makes us a top choice for military homebuyers. Get Started Today Ready to buy your home with a VA loan? Contact [Your VA Mortgage Company Name] to explore your options and take advantage of the benefits you’ve earned. Call us at (651) 552-3681 or apply online for a free consultation.Quick, Easy Pre-approvalsStreamline or Cash Out.The Primary VA Loan Benefits A VA loan allows our military personal to buy a home with ZERO DOWN PAYMENT. You can finance 100% of the homes purchase price. No expensive monthly mortgage insurance ever. This is a huge savings monthly over conventional loans if you put less than 20% down. Lower interest rates than other loans Reduced closing costs. The VA does not allow lenders and title companies to charge certain fees that are common on other loan types. Easier qualifying with expanded debt-to-income ratios compared to other loans Allows for lower credit scores than other programs Seller can pay your closing costs For Refinance Cash out up to 100% of appraised value Streamline refinance (reduced documents, no appraisal needed) Why Choose Cambria Mortgage for your VA Loan It's simple. Better rates, lower costs, and better service than those big online VA lenders that show up if you search VA Loans, or the banks. We have very experienced Licensed Loan Officers, not low level application clerks working in a boiler room. Here you always talk to the same person. There you rarely ever get the same person twice. Because we live and work here. We have a local reputation to uphold. We know the upper Midwest, from St Paul and Minneapolis, to Rochester and Duluth. In Wisconsin, from Madison and Milwaukee, to Green Bay and Appleton. In the Dakota's from Sioux Falls to Fargo, and in Iowa, from Des Moines to Cedar Rapids, we know the Real Estate Agents, appraisers, and inspectors who work these areas. Cambria Mortgage is owned and operated by the same family that brings you industry-leading Cambria countertops, a familiar name to most people. Heck, good chance you may have Cambria countertops where you live today. All Cambria companies are unified in our commitment to providing all our customers with the highest levels of quality and service in everything we do.VA Loans also require the lender to verify your VA eligibility with a current VA Certificate of Eligibility ( COE ). Your certificate tells the lender if you are even eligible, how much eligibility is remaining if you have a VA loan right now, and if you have any service related disability, which allows you to get your VA funding fee waived (see below for info on funding fees). We find that most people don't know where their certificate is. No problem, we can usually get it for you in just a few minutes. Click here to learn more about your VA Certificate of Eligibility for loan in MN, WI, SD, ND, IA, CO, TX.While VA loans are zero down payment, all mortgage loans, including VA loans have closing costs. These costs cover the many different people and costs associated with obtaining, processing, and closing your loan. These items including origination fees, appraisal, credit reports, state deed transfer taxes, title companies fees, and initial escrow account setup for taxes and homeowners insurance. Your closing costs can be paid four different ways: Cash out of your pocket Rolled into the loan (known as seller paid closing costs) Rolled into a slightly higher interest rate A combination of any or all of these options (most popular) Between all these options, most of our VA eligible home buyers using a VA loan end up buying their new home with very little, to no out-of-pocket costs whatsoever. How cool is that? Learn more on VA loan Closing CostsAs with any home loan, your credit and credit scores are a very important part of home loan approval. The VA program is very liberal compared to other loan programs, and has significant advantages over other loans. Technically the VA loan program allows for credit score as low as 500. The reality is that once your credit score drops below about 620, you will have increasing difficulty getting approved. Once your credit score drops below 580, the odds of being denied go way up. Even with lower credit scores, don't assume you will be denied. Contact our VA Loan experts here are Cambria Mortgage for advice. PRO TIP: With very low credit scores, a small down payment will dramatically increase odds of loan approval. MAJOR CREDIT ISSUES Major credit issues, like bankruptcy and foreclosures have mandatory waiting periods after the event before your can get a home loan. The waiting period varies based on the type of loan your are getting, like conventional, FHA, VA, or a sub-prime loan. The VA program is one of the most liberal in the market with some of the shortest waiting periods. Waiting Periods Foreclosure: 2-years from date foreclosure completed and transferred back to the bank 1-2 years from date foreclosure completed and transferred back to the bank if good credit re-established and paid on time, AND, if the foreclosure was caused by an acceptable extenuating circumstance Short Sale 2-years from date home transferred to a new owner NO waiting period if you had no late payment son and any accounts, including the mortgage, within 12 months prior to the short-sale, AND if the short sale was determined not to be a strategic short-sale Bankruptcy, Chapter 7: 2-years from discharge date AND re-established credit paid on time, or no new credit obligations occurred 1-2 years from date of discharge if the bankruptcy was caused by an acceptable extenuating circumstance AND you have since documented the ability to handle financial affairs in a responsible manner (re-established credit) Bankruptcy, Chapter 13: At least 1-year of on time payments have been made under the terms of your bankruptcy, and all payments have been made on time Maximum debt to income ratios to not exceed 29/41 (ask your VA loan expert what this means) The quick answer is a solid MAYBE... Go to our special page on buying a second home with a VA loan for more information

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VA Loan Limits

Joe Metzler — Mon, 12 Sep 2022 19:21:58 +0000

VA Loan Limits

What Are the VA Loan Limits

When getting a VA mortgage loan, it can be a bit confusing if there is a cap, or maximum VA Loan Limit.

The answer is yes, no, and maybe.

Years ago, the was an official loan limit cap for zero down VA home loans. Above that cap, a small down payment was required, with a complicated formula to determine the amount of the down payment.

Today, VA loans do NOT have an official loan amount cap, but while the US Department of Veteran Affairs does not set a any limit on VA Home Loans – most lenders do set limits and those VA Home Loan. Those limits typically match Conforming Loan Limits. Conforming loans are those typically purchased after closing from your lender by Freddie Mae and Fannie Mae. These loan limits change each year.

As of January 202, the limit in most states we lend, (Minnesota, Colorado, Iowa, North Dakota, South Dakota, and Florida) is equal to the current conforming limit of $765,550 for a single family home, and higher for multi-unit homes.

Next, there used to be a maximum loan amount cap for a veteran do do a no down payment loan. Over this limit, a VA loan needed a small down payment. That rule has gone away, but again, so many VA lenders will impose their own overlay, and potentially require a down payment on large jumbo loans.

Finally, there is your personal VA eligibility to consider. If you have an existing VA loan that you will be keeping, this can lower the maximum new VA loan you can qualify.

Sound confusing? Like all things military, it can be. But don’t worry. Our expert VA Loan Officers can guide you. Simply reach out to us at (651) 552-3681, and we’ll review your personal situation to get your correct answer. Better yet, simply complete the Online VA loan Application found on this website. APPLY ONLINE.

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Can I buy a second home with a VA Loan

Joe Metzler — Wed, 20 Jul 2022 17:23:15 +0000

Can I buy a second home with a VA Loan

Yes, you can buy a second home with a VA Loan! However, there are a lot of extra criteria that going into that answer. The VA home loan is designed for the purchase of the veteran's primary residence, and in theory, you are supposed to have only one VA loan at a time. But as with so many things in life, there are some exceptions to the basic rules. First let's understand the difference between having two VA loans, and buying a vacation type second home, or investment property with a VA loan. The following are basic examples of how a person can end up with two VA loans, while still meeting VA Loan occupancy requirements. Two VA Loans At Once Many people can end up having two VA loans at once. 1) Because VA loans are assumable, you may possible have let someone assume your existing VA loan, and use your benefits again to purchase another primary residence. 2) Because active military families tend to move a bit more often than others, you can potentially have two VA loans at the same time, as long as you plan on occupying the second home within one year. This is a common issue when you are trying to buy your new home, when your existing home with a VA loan is not yet paid off, or maybe you plan on keeping the existing home, possibly turning it into a rental. A Vacation Type Second VA Loan Officially, no, you can not purchase a true second home with a VA loan, unless you can fully document you'll be living in the home at least 6 months of each year. or If you are buying a second home with the intention of moving there when you retire. Normally on a VA loan, you must move into the property within 60-days after closing. But if you are on active duty, and will retire within one year, that will work. Note that your married spouse (not just a boyfriend/girlfriend) is able to move in to meet the requirement if you are on active duty. Investment Property With A VA Loan Because your VA benefits are for the purchase of your primary home, using a VA Loan to purchase an investment property / rental property is not allowed. But, you CAN use a VA loan to purchase a multi-unit property (up to 4-units) as long as YOU LIVE in one of the units. The VA allows us to give your 75% of rents to use for income qualifying. You'll generally need to provide leases. You'll also generally have to prove you have at least 6 months worth of reserves left over in the bank after closing. This means at least 6 months of the properties mortgage payment. Can You Qualify For Two VA Loans? This is a much bigger question for most people. There are two major criteria to be award of. First is that regardless of what type of loan you are getting, you will always have to income qualify for both house payments. Simply put, can you afford both homes. Even if you are planning on selling the current home, lenders still need to take the payment into consideration. The second main criteria is do you have any remaining VA entitlement left. The VA entitlement is the amount the VA will pay the lender if you default. Your VA Certificate of Eligibility (COE) shows lenders how much eligibility you have, or how much is remaining if you currently have a VA loan. Calculating your remaining VA entitlement gets a bit complicated. We suggest simply contacting your Cambria Mortgage VA Loan expert at (651) 552-3681 for help determining your qualifications.

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va-eligibility-guidelines

Joe Metzler — Tue, 05 Jul 2022 20:20:32 +0000

va-eligibility-guidelines

Learn about VA home loan eligibility requirements for a VA direct or VA-backed loan. Find out how to request a Certificate of Eligibility (COE) to show your lender that you qualify based on your service history and duty status. Keep in mind that for a VA-backed home loan, you’ll also need to meet your lender’s credit and income loan requirements to receive financing. Minimum active-duty service requirements When did you serve? Between August 2, 1990 and present (Gulf war to present) You meet the minimum active-duty service requirement if you served for: At least 24 continuous months, or The full period (at least 90 days) for which you were called or ordered to active duty, or At least 90 days if you were discharged for a hardship, or a reduction in force, or Less than 90 days if you were discharged for a service-connected disability Between Sept 8, 1980, and August 1, 1990 You meet the minimum active-duty service requirement if you served for: At least 24 continuous months, or The full period (at least 181 days) for which you were called to active duty, or At least 181 days if you were discharged for a hardship, or a reduction in force, or Less than 181 days if you were discharged for a service-connected disability Between Oct 17, 1981 and August 1, 1990 as an Officer You meet the minimum active-duty service requirement if you served for: At least 24 continuous months, or The full period (at least 181 days) for which you were called to active duty, or At least 181 days if you were discharged for a hardship, or a reduction in force, or Less than 181 days if you were discharged for a service-connected disability Between May 8, 1975 and Sept 7, 1980 (post Vietnam era) You meet the minimum active-duty service requirement if you served for: 181 continuous days, or Less than 181 days if you were discharged for a service-connected disability Between May 8, 1975 and October 16, 1981, as an Officer You meet the minimum active-duty service requirement if you served for: 181 continuous days, or Less than 181 days if you were discharged for a service-connected disability Between August 5, 1964 and May 7, 1975 (Vietnam War) You meet the minimum active-duty service requirement if you served for: At least 90 total days, or Less than 90 days if you were discharged for a service-connected disability Between November 1, 1955 and May 7, 1975, in the Republic of Vietnam You meet the minimum active-duty service requirement if you served for: At least 90 total days, or Less than 90 days if you were discharged for a service-connected disability Between February 1, 1955 and August 4, 1964 (post Korean War) You meet the minimum active-duty service requirement if you served for: At least 181 total days, or Less than 181 days if you were discharged for a service-connected disability Between June 27, 1950 and January 31, 1955 (Korean War) You meet the minimum active-duty service requirement if you served for: At least 90 total days, or Less than 90 days if you were discharged for a service-connected disability Between July 26, 1947 and June 26, 1950 (post WWII period) You meet the minimum active-duty service requirement if you served for: At least 181 continuous days, or Less than 181 days if you were discharged for a service-connected disability Between September 16, 1940 and July 25, 1947 (WWII) You meet the minimum active-duty service requirement if you served for: At least 90 total days, or Less than 90 days if you were discharged for a service-connected disability NATIONAL GUARD MEMBERS / RESERVES There are four separate ways in which a National Guard or Reserve member can qualify for VA loan eligibility. Many members of the National Guard will gain VA eligibility by meeting the following: At least 90 days of non-training active-duty service, or 6 creditable years in the Selected Reserve And at least one of these must be true: You were discharged honorably, or You were placed on the retired list, or You were transferred to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve after service characterized as honorable, or You continue to serve in the Selected Reserve One thing to note is that active duty must be during wartime. If a National Guard member is active for State Active Duty, this time does not count toward the active duty requirement. However, National Guard members can still get additional benefits form the state, depending on the state they serve in.

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refinance-quick-start

Joe Metzler — Tue, 24 May 2022 22:02:52 +0000

refinance-quick-start

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purchase-quick-start

Joe Metzler — Tue, 24 May 2022 21:23:29 +0000

purchase-quick-start

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va-refinance-waiting-period

Joe Metzler — Thu, 09 Dec 2021 20:59:00 +0000

va-refinance-waiting-period

Unlike most other mortgage loans, the VA program does have a a minimum waiting period and set of guidelines for refinancing an existing VA mortgage loan into another VA mortgage loan. The primary reason for the following guidelines is to ensure their is a benefit to the veteran in refinancing, and to prevent bad VA lenders for churning loans, and taking advantage of people. Seasoning / Waiting Period Your new VA loan must meet meet BOTH of the following in order to refinance a current VA loan into a new VA loan: The first monthly payment of the loan being refinanced was made 210 days or more prior to the closing date of the refinancing loan; and Six monthly payments have been made on the loan being refinanced Three Different Types OF VA Refinance Loans The three different type of VA refinance loan come with some different rules. See Unintended Consequences below: An Interest Rate Reduction Refinancing Loan (IRRRL) is a refinancing loan made to refinance an existing VA-guaranteed home loan at a lower interest rate. TYPE I Cash-Out Refinance is a refinancing loan in which the loan amount (including VA funding fee) does NOT exceed the payoff amount of the loan being refinanced. TYPE II Cash-Out Refinance is a refinancing loan in which the loan amount (including VA funding fee) exceeds the payoff amount of the loan being refinanced. Net Tangible Benefits Test (NTB) All VA cash out refinancing loans must pass the NTB test. You are considered to have passed if your new VA loans meets at least one of the following items: (a) The new loan eliminates monthly mortgage insurance; or (b) Loan term of the new loan is less than the loan term of the loan being refinanced; or (c) Interest rate of the new loan is less than the interest rate of the loan being refinanced (Note: If the loan being refinanced had an adjustable interest rate or was modified, the current interest rate must be used when determining if this requirement has been met.); or (d) The monthly (principal and interest) payment of the new loan is less than the monthly (principal and interest) payment of the loan being refinanced; or (e) The Veteran’s monthly residual income is higher as a result of the new loan. (residual income, including refinancing monthly PITI (principal, interest, taxes, and insurance) payment vs. current residual income, including monthly PITI payment of the loan being refinanced.) In cases where TI amounts are changing between the application date and the closing date of the refinance transaction, the new TI amount will be used in determining residual income for both the current and refinanced loan); or (f) The new loan is used to payoff the Veteran’s interim construction loan; or (g) The new loan LTV is equal to or less than 90 percent of the reasonable value of the home, i.e. LTV ≤ 90%; or (h) Refinance of an adjustable-rate mortgage to a fixed-rate mortgage. Recoup Closing Cost Guidelines Your new VA refinance loan must also meet the time to recoup closing cost guidelines, which is that: The number of months to recoup closing costs, and allowable fees can NOT exceed 36 months. Note that pre-paid expenses (tax and insurance escrows), and any VA funding fee (if applicable) are not included in the cost calculation. IF the veterans payment INCREASES due to a decreased loan term (like moving down to a 15-yr or 20-yr loan), or the conversion of an adjustable rate loan (ARM), the veteran can NOT incur ANY fees, or closing costs costs (other than pre-paid expenses of taxes and insurance) and the funding fee. Unintended Consequences Of These Rules While well intentioned, unfortunately there are some unintended consequences of these rules that frustrate veterans. A prime example is the paragraph above about the lender not being able to charge closing costs if you are reducing your term. Sounds good to the veteran, but there ARE closing costs on all loans, and they must be paid. So the only way for the lender to allow you to refinance AND meet the guidelines is to convert the normal closing costs (making them zero) into a higher interest rate for your new loan. Once your Cambria Mortgage Loan Officer has your full VA LOAN APPLICATION, they will happily go over all guidelines that apply to you. Free free to call our VA loan experts with questions at (651) 552-3681

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privacy-policy

Joe Metzler — Fri, 27 Aug 2021 19:21:28 +0000

privacy-policy

This policy describes Cambria Mortgage (“Cambria Mortgage.” “we” or “our”) collection, processing, transfer and storage of data from visitors to our website at VAMortgageMN.com (our “Website”). This Privacy Policy applies only to the data collected on the Website only, and not to other data collected or processed by Cambria Mortgage for the purposes of a home loan. If you are our customer, please see our Consumer Privacy Notice , which we provide to all our individual customers, for a comprehensive explanation of how we collect, use, and share personal information and your choices for limiting the use and sharing of your information as our customer. 1. OUR COMMITMENT TO YOUR PRIVACY This Privacy Policy describes: How information about you is collected through our Website; How we use and with whom we share this information; How you can access and update this information; and The choices you can make about how we collect, use and share your information. If you have any questions regarding this Privacy Policy or our information collection and use practices, please contact us using the information in the “Contact Us” section below. 2. INFORMATION COLLECTED THROUGH OUR WEBSITE We collect information from Website visitors and also obtains information from third parties (including from service providers) in the course of providing our mortgage and loan origination services (our “Services”), which we may add to the data we obtain through the Website. The information collected through our website includes: Personal and Loan-related Information. You may provide us information about you, which may include personal information and information relating to or necessary for the initiation, processing, or completion of certain financial transactions, including the issuance of loans. Transactional Information. We may also create transactional records of each of the transactions or other events occurring through our Website. This transactional information is generally collected (i) to enable our Services, including loan document creation, origination, management, and distribution, (ii) to enable the services provided by third parties (including determinations regarding qualification for loans or the interest rates to be applied to loans), and (iii) to enable us to comply with various legal obligations. Device and Usage Information. Like most online services, our Website collects standard technical, non-personal information when you use it, including internet protocol (IP) addresses, browser types, internet service providers (ISPs), the pages and content you view or interact with on our Website, the information you search for, and the dates and times that you visit our Website. Cookies and Other Technologies. Our Website collects certain information through the use of “cookies” and other tracking technologies. Cookies are small files that your browser places on your computer. We may use session cookies, persistent cookies, and other tracking technologies to better understand how you interact with our Website, to monitor usage by our users and web traffic routing on our services, and to improve and personalize our Website. Many Internet browsers automatically accept cookies. You may be able to instruct your browser to stop accepting cookies or to prompt you before accepting cookies from the websites you visit. Google provides some additional privacy options relating to Google analytics, described at www.google.com/policies/privacy/partners/. We do not respond to “do not track” browser signals at this time. We may also use web beacons, which are transparent graphic images on a webpage or within the body of one of our marketing emails, to allow us to measure visitor actions and assess the effectiveness of our email marketing campaigns. For example, we use web beacons in our email marketing to track instances where a user clicks through a link in the email. 3. HOW WE USE INFORMATION We and service providers working on our behalf use information collected on our Website in a variety of ways intended to provide our Website and Services and to operate our business, including the following: To Provide our Services. We use the information that we collect (i) to operate, maintain, enhance and provide our Website and our Services, (ii) to provide other services and information that you request, and (iii) to provide customer support to you and other parties. To Improve, Analyze, and Personalize our Website and Services. We use the information that we collect to understand and analyze usage trends and preferences; to monitor and analyze the effectiveness of our Website and Services; to improve our Website and Services and develop new products, services, features, and functionality; and to personalize our Website and Services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you use our Website, or providing customized content and information. To Contact You. We may use your email address or other information we collect to contact you for administrative purposes such as customer service or to send communications, including marketing or promotional communications, relating to our Website and Services. Generally, you have the ability to opt out of receiving promotional communications as described below. Aggregate Data. We aggregate data collected through our Website and use it for purposes such as creating and sharing reports about the use of our products and services, including users’ interests, usage patterns, and trends. Advertising. We may use non-identifiable information that you provide or that we collect to improve or tailor the effectiveness of advertising on our Website and to provide advertisements and other content that is tailored to you. Advertising. We may use non-identifiable information that you provide or that we collect to improve or tailor the effectiveness of advertising on our Website and to provide advertisements and other content that is tailored to you. 4. HOW WE SHARE INFORMATION We may share, transfer, or disclose your information if you consent to us doing so, as well as in the following circumstances: To Service Providers. We work with third party service providers to provide services including loan or transaction processing or administration; Website hosting and other similar services, development and maintenance; advertising and marketing services; and other services related to our Website and Services for us. These third parties may have access to or process your information as part of providing those services for us. Generally, we limit the information provided to these service providers to that which is reasonably necessary for them to perform their functions, and we require them to agree to maintain the confidentiality of such information. These service providers are not permitted to use information we share that might identify you for any purpose other than to provide services to Mortgages Unlimited Inc. or to you. In Aggregate Form. We may make certain aggregated non-personal information available to third parties for various purposes, including (i) compliance with various reporting obligations; (ii) for business or marketing purposes; or (iii) to assist such parties in understanding our users’ interests, usage patterns, and borrowing and loan origination trends. Compliance with Laws and Law Enforcement; Protection of Our Rights. We may disclose your information (including your personal information) to a third party if (a) we believe that disclosure is reasonably necessary to comply with any applicable law, regulation, legal process or governmental request, (b) to enforce our agreements, policies and terms of service, (c) to protect the security or integrity of our Website or Services, (d) to protect the property, rights, and safety of [Company Name], our users or the public from harm or illegal activities, (e) to respond to an emergency which we believe in the good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person, or (f) to investigate and defend ourselves against any third-party claims or allegations. In Significant Business Transactions. Your information, including personal information, may be disclosed and otherwise transferred to an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction, or in the event of an insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets. 5. OUR POLICY CONCERNING CHILDREN Our website is not directed to children under 13, and we do not knowingly collect any personal information from children under the age of 13 through our website. If we become aware that a child under 13 has provided us with personal information through our website, we will take steps to delete such information. 6. PRIVACY POLICIES OF LINKED SITES AND ADVERTISERS Our Website may contain links to other sites, as well as advertisements from companies linking to their own sites. We are not responsible for the privacy practices or the content of such sites. If you have any questions about how these other sites use your information, you should contact them directly. 7. SECURITY Mortgages Unlimited Inc. has certain measures in place to maintain the security, confidentiality and integrity of the information gathered through the Website, and to help protect against the loss, misuse and alteration of such information. While we take measures to protect your personal information against security breaches and unauthorized access, we cannot guarantee that our safeguards will be effective all of the time against all security threats. 8. CHANGES TO OUR PRIVACY POLICY This Privacy Policy may be revised from time to time. If we decide to make material changes to our Privacy Policy, we will make reasonable efforts to notify you of the changes by sending a notice to the primary email address provided to us and/or by placing a notice on our Website. 9. HOW TO ACCESS AND UPDATE YOUR INFORMATION You can access and update the information that you have provided to us as follows: If you are our, you can access and update certain personal information in connection with your account or application by logging into your account online. You may contact us at loans@vamortgagemn.com and request to review, amend or delete certain personal information collected by us. Please note that we may not be able to delete all information we collect through our Website. You may opt-out of receiving marketing emails at any time by following the steps to “unsubscribe” described in the footer of our marketing emails. Your opt-out will become effective in 10 days or less. 10. CONTACT US If you have any questions, comments or concerns regarding our Privacy Policy and/or practices, please send an email to:loans@VAMortgageMN.com. Cambria Mortgage, 33 Wentworth Ave E, #290, St Paul, MN 55118

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5 Star Promise

Joe Metzler — Fri, 27 Aug 2021 19:12:47 +0000

5 Star Promise

There are a lot of companies offering VA loans in Minnesota, Iowa, South Dakota, North Dakota, and Wisconsin to choose from, not to mention the big internet lenders. Sure, some of these mortgage companies are good, but here is why you should choose us to handle your families VA mortgage loan, typically your largest financial transaction ever. 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 local 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, and big internet lenders). 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.

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