Contact Joe Metzler
VA Loan Specialist & Senior Mortgage Broker at Cambria Mortgage. We're here to help you use your hard-earned VA benefit.
Reach Us Your Way
No automated phone trees. No long wait times. Just real people who know VA loans.
Call Joe Directly
Speak with Joe or a member of the team. We answer our phones.
Send an Email
We respond to all emails within 2 business hours during office hours.
Apply Online
Start your secure VA loan application online — takes about 10 minutes.
Visit Our Office
Come in for a face-to-face consultation. By appointment please.
St Paul, MN 55118
Send Us a Message
Fill out the form below and Joe will personally reach out within 2 business hours. All information is kept strictly confidential.
Thank You for Your Service!
We've received your message and Joe will contact you within 2 business hours.
Check your email for a confirmation. We look forward to helping you with your VA loan!
Return to HomeOur Promise to Every Veteran
We take your service seriously. Here's what you can expect when you work with us.
Fast Response
We respond to all inquiries within 2 business hours. No waiting days to hear back.
VA Expertise
Joe has 25+ years specializing in VA loans. You'll work with an expert, not a generalist.
No Hidden Fees
We are transparent about every cost. No surprises at closing — ever.
We Work for You
As an independent broker we shop multiple lenders to get you the best possible VA loan rate.
Always Accessible
Phone, email, text, live chat, or in person — we communicate however works best for you.
Veterans First
We understand military life — PCS moves, deployments, BAH. We make the process simple.