VA Home Loans. Zero Down. No PMI.
Proudly helping veterans and active military in Minnesota and 7 other states buy or refinance with the benefits they've earned. Joe Metzler at Cambria Mortgage — 25+ years of VA loan expertise.
Check Your Basic VA Eligibility — Free
No obligation. No credit impact. Joe responds within 2 business hours.
VA Loan Options for Veterans
Whether you're buying your first home or refinancing, your VA benefit makes it possible.
VA Purchase Loan
Buy your home with zero down payment and no monthly PMI — a benefit earned through your service.
- 0% down payment required
- No private mortgage insurance
- Competitive interest rates
- Flexible credit requirements
- Fast pre-approval in 24 hours
VA IRRRL Refinance
The VA Interest Rate Reduction Refinance Loan (IRRRL) lets you lower your rate with minimal paperwork.
- No appraisal required (usually)
- No income verification (usually)
- Lower your monthly payment
- Streamlined process
- Must have existing VA loan
VA Cash-Out Refinance
Tap into your home's equity for home improvements, debt consolidation, or other financial goals.
- Access up to 90% of home value
- Can replace a non-VA loan
- Consolidate high-interest debt
- Fund home improvements
- Full appraisal required
Who Qualifies for a VA Loan?
Your service earns you this benefit. Here's who is eligible:
Veterans
You served on active duty and were discharged under conditions other than dishonorable. Most veterans with 90+ days wartime service or 181+ days peacetime service qualify.
Active Duty Military
Currently serving members of the Army, Navy, Air Force, Marines, Coast Guard, or Space Force with at least 90 continuous days of active service.
National Guard & Reserves
Members and veterans of the National Guard or Reserve who have completed 6 years of service, or 90 days of active duty service under Title 10 orders.
Surviving Spouses
Un-remarried surviving spouses of veterans who died in service or from a service-connected disability may be eligible for the VA home loan benefit.
Not sure if you qualify? Let us check your eligibility — it's free and takes just minutes.
Check Your Eligibility Get Your Certificate of EligibilityVA Loan Payment Calculator
Estimate your monthly VA loan payment. VA loans typically have no down payment required — we've set it to $0 by default.
*Estimate only. Does not include taxes, insurance, VA funding fee, or HOA fees. VA funding fee may be financed into the loan. Check your VA eligibility.
VA Certificate of Eligibility (COE)
Your COE is the official document from the Department of Veterans Affairs that proves you're entitled to use your VA home loan benefit. It's a required step in the VA loan process — and getting it is easier than you think.
What the COE Tells Your Lender:
- You have met the military service requirements
- How much VA entitlement you have available
- Whether your full or remaining entitlement is being used
- Any funding fee exemptions you may have earned
Three Ways to Get Your COE:
Through Your Lender (Easiest)
We can pull your COE electronically through the VA's Web LGY system in minutes — at no cost to you. This is the fastest and most common method.
Online via VA.gov
Log in to VA.gov with your DS Logon, My HealtheVet, or ID.me account and apply online.
By Mail (VA Form 26-1880)
Complete VA Form 26-1880 and mail it with your supporting documents to the VA Eligibility Center. This method takes the longest.
How the VA Loan Process Works
From first call to closing day, we guide you every step of the way.
Check Eligibility
We verify your military service and confirm your VA loan eligibility — usually takes just minutes.
Obtain Your COE
We pull your Certificate of Eligibility electronically through the VA system at no cost to you.
Get Pre-Approved
We review your income, credit, and finances to give you a solid pre-approval letter — typically within 24 hours.
Find Your Home
Shop for your home with confidence. Your pre-approval letter shows sellers you're a serious, qualified buyer.
VA Appraisal & Close
A VA-assigned appraiser inspects the property. Once approved, you sign your documents and get your keys!
DOWNLOAD OUR APP
Speed Up Your VA Loan Process
Install the Cambria Mortgage Mobile App for a Faster VA Loan Experience
With our FREE Mobile app for iPhone™ or Android™ you can complete a full VA loan application, follow the status of your loan, scan and upload documents (DD-214, COE, etc.), calculate potential house payments, and more!
You also get direct contact with your Loan Officer, push notification reminders for important dates (appraisal, closing, rate lock), and a secure portal to view, eSign, and download loan documentation.
Mobile Capture Technology allows you to securely scan and upload military service documents, tax returns, and pay stubs directly from your phone.
Ready to Use Your VA Benefit?
You've earned this. Let us help you make the most of your VA home loan benefit.
Check Your Basic VA Eligibility — Free
No obligation. No credit impact. Joe responds within 2 business hours.
Or call Joe directly: (651) 552-3681
Veterans Love Working with Joe
Real reviews from real veterans and military families
"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. Highly recommend!"
Your VA Loan Expert
For over 25 years, Joe Metzler has helped veterans and military families across eight states achieve homeownership using their hard-earned VA benefits.
As an independent mortgage broker with Cambria Mortgage, Joe works for YOU — not the bank. He compares VA loan rates from multiple lenders to make sure veterans get the best possible deal.
Joe understands the unique needs of military families — PCS moves, deployment considerations, VA appraisal requirements — and is committed to making the process as smooth as possible for veterans in Arizona, Colorado, Florida, Iowa, Minnesota, North Dakota, South Dakota, and Wisconsin.
Ready to Use Your VA Benefit?
Free consultation, no obligation — serving AZ, CO, FL, IA, MN, ND, SD & WI
Call Us
(651) 552-3681
Mon-Fri 8am-6pm, Sat 9am-2pmEmail Us
Joe.Metzler@
CambriaMortgage.com
Apply Online
Free, No Obligation
Secure online VA applicationVisit Us
1549 Livingston Ave
Suite 105
St Paul, MN 55118