What Veterans Say About Working with Cambria Mortgage
Real reviews from real veterans. Over 25 years of helping veterans and active military achieve homeownership with VA loans across Arizona, Colorado, Florida, Iowa, Minnesota, North Dakota, South Dakota, and Wisconsin.
Trusted by Veterans Nationwide
Veterans trust Cambria Mortgage for VA purchase loans, VA IRRRL refinances, and VA cash-out refinances. Here's what they have to say.
VA Purchase Loan Reviews
Veterans who bought their homes with zero down
"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. We close tomorrow! Joe made it easy for us. Thanks 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 throughout the entire process. Zero down payment made homeownership possible for us."
"We used our VA benefit for the first time and Joe walked us through everything. No down payment, no PMI, and a great rate. He answered every question we had, even on nights and weekends. Truly goes above and beyond for veterans."
"Joe helped us buy our first home with zero down using my VA loan. He made sure we understood everything and never pushed us into anything. We got a fantastic rate and the process was way easier than I expected. Highly recommend to any veteran!"
"As a first-time home buyer, I was nervous about the whole process. Joe made it easy. He got us pre-approved quickly, helped us understand VA appraisal requirements, and we closed on time. No hidden fees, no surprises. Just honest service."
"Joe helped us buy a home in a competitive market. His pre-approval letter gave us the edge we needed. Sellers knew we were serious and qualified. We got the house we wanted and saved thousands by not having to pay PMI. Thank you!"
"I didn't think I could afford a home, but Joe showed me how the VA loan benefit made it possible. Zero down, no PMI, and a rate lower than my friends with conventional loans. The process was smooth and Joe was always available to answer questions."
VA IRRRL Refinance Reviews
Veterans who lowered their rates with a streamline refinance
"Used my VA IRRRL with Joe and saved $320 per month on my mortgage. The process was incredibly fast — only took about 3 weeks. Minimal paperwork, no appraisal, and I closed with nothing out of pocket. Highly recommend!"
"I had already moved due to a PCS and didn't think I could refinance. Joe explained the IRRRL occupancy rules and we got it done. Saving $265/month now — that's real money! The whole process was painless."
"Rates dropped and Joe reached out to me. Did an IRRRL in under 30 days — no appraisal, no income verification, just a quick streamline. Dropped my rate 0.75% and saved $180/month. Super easy process. Joe knows VA loans inside and out."
"I was skeptical about refinancing again, but Joe showed me the numbers and it made sense. Saved $215/month with the IRRRL and closed in 3 weeks. No hassle, no stress. If you're a veteran with a VA loan, call Joe. He'll save you money."
"Joe has refinanced my VA loan twice now as rates have dropped. Both times it was fast, easy, and saved me hundreds per month. He keeps track of rates and reaches out when it makes sense to refinance. That's the kind of service veterans deserve."
"Switched from an adjustable rate to a fixed rate using the IRRRL. Joe made it simple — no appraisal, minimal docs, and now I have payment stability. Best decision I made. Thanks for taking care of us veterans!"
VA Cash-Out Refinance Reviews
Veterans who tapped into their home equity
"Did a VA cash-out refinance to pay off high-interest credit cards and make some home improvements. Joe explained the process clearly and got us a great rate. We're saving money every month now and our home looks amazing. Thank you!"
"Used a VA cash-out refinance to consolidate debt and fund my daughter's college tuition. Joe made it painless. We accessed our equity, lowered our overall monthly payments, and helped our daughter graduate debt-free. Couldn't be happier."
"Had a conventional loan with PMI. Joe helped me refinance into a VA loan with a cash-out option. Got rid of PMI, lowered my rate, pulled out $40k for renovations, and my payment is still lower than before. Joe is a VA loan wizard!"
Why Veterans Choose Cambria Mortgage
Exceptional service, veteran-focused expertise
"Joe truly understands veterans. He doesn't just know VA loans — he knows the military lifestyle, PCS moves, and what we go through. That understanding made all the difference. He's patient, responsive, and always has our best interests at heart."
"I've worked with several mortgage brokers over the years, but Joe is by far the best. He responds quickly, explains things in plain English, and genuinely cares about getting veterans the best deal. No high-pressure sales tactics — just honest advice."
"What I appreciated most was Joe's transparency. He laid out all my options — VA IRRRL vs cash-out, fixed vs ARM — and helped me make the right decision for MY situation. No games, no tricks. Just a straight shooter who takes care of veterans."
"Joe answered his phone on a Saturday morning when I had questions about my pre-approval. He took the time to walk me through everything and didn't rush me off the phone. That's the kind of service you don't find everywhere. Veterans, this is your guy."
"I've referred three fellow veterans to Joe and all of them have thanked me. He treats every veteran like family. If you're looking for someone who knows VA loans backwards and forwards and actually cares about veterans, call Joe."
"Joe has earned my business for life. He's helped me buy a home, refinance twice, and even answered questions when I was helping my brother (also a veteran) get a VA loan in another state. That's dedication. Thank you for serving those who served!"
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