Cambria Mortgage - Joe Metzler Team
33 Wentworth Ave E - Suite 290, St. Paul, MN 55118. NMLS #322798

Your information is secure
 | No hassles | No obligations

VA Refinance Loan Application
Apply over the phone or in person: Call (651) 552-3681

Borrower Basic Information  * = Required Information

Filling out the online application should take only about 10 minutes. Completing the application does not obligate you to anything. This is a secure form, which means your information will be encrypted before being transmitted to us. If you have any question while filling out this form, please contact us at (651) 552-3681 or click the LIVE Loan Officer link if available.

Get the attention you deserve. After completion of the application, you'll talk to real humans, not computers.

Your FULL Name (First, MI, Last) *
  Alternate Names: List any names by which you are known or any names under which credit was previously received (First, Middle, Last, Suffix)
I am applying for Joint credit  Individulal Credit 
  If joint, list name(s) of other applicant(s)
  All co-borrower information can be added on the next page
Email address *
Best Phone # *   Home or Cell
2nd best phone #
Home or Cell
* Work Phone # REQUIRED - put n/a if no job
  This NOT to call you, it is to call the company and verify your job, please do not just put in your cell or home phone number
Current Address *  
  State   Zip  
How long have you lived here years months
Do you currently
Old Address
(if at current less than 2 years)
Does not apply
  State Zip
  Did you .
  How long did you live there years months
Date of Birth (format mo/da/year) Required
Social Security Number Required
Marital Status Unmarried for this purpose means Single, Divorced, Widowed, Civil Union, Domestic Partnership, Registered Reciprocal Beneficiary Relationship
Years of Schooling
Any dependents? No  Yes
  If yes, how many? . Their Ages?
Credit History  
Credit Rating?  
Credit Score?
Credit Frozen? Is your credit report frozen? No  Yes  Unknown
Bankruptcy? Ever File Bankruptcy?
   If Yes, How long discharged? Years
Foreclosure Ever have a foreclosure?
  If Yes, How long ago? Years
Military Service Information  
  Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces
  No  Yes
If yes
Which Service?
If discharged, type
Ever had a VA loan
  If yes, did you default on a VA loan?
Have your current  Certifcate of Eligibility?

Borrower Employment

  State Zip
Position/Title with Company
Start Date mo / yr
How long in this line of work? Years
Are you self employed?
Former Employer (if less than 2 years with current employer)
  State Zip
Employement dates You worked there from when to when mo /yr
  until mo / yr
  Old Income , per
  Former Position/Title

Contacting You

We usually attempt to contact you between 10:00 AM & 6:00 PM Monday - Friday.
If we are unable to contact you during this time frame, it could delay your application.
Daytime Contact at

Basic NEW Loan Desired Information

Purpose of loan
Type of Loan 
Amortization Term: 10-yr to 30-yr available
Estimate Loan Amount Needed $
Property will be our
How to pay closing costs?
I am

Existing Loan Information?

Your Current Monthly Payment is: $
  Does this include escrows? YES  NO
Your Current Interest Rate? %
Current Mortgage Company Name?
Escrow for taxes & Insurance on NEW loan? YES NO
Who owns your mortgage? Check Fannie Mae   Check Freddie Mac
Yearly Property Taxes $ (estimate if not for sure)
Home owners insurance $ (estimate if not known)
Year Home ORIGINALLY Aquired  .
Original cost of home $
Today's Estimated Value $
Estimated Remaining Balance $
Do you have PMI on your loan? YES NO 
Have a 2nd Mortgage/Equity Loan?  YES NO
  If yes, how much do you still owe?
Keep or consolidate 2nd mortgage? Keep Consolidate

Subject Property Information:

The Home you are refinancing
Same as mailing address? Yes
If different than home address
  State Zip (we lend in MN, WI, and SD only)


Monthly Income:

Gross Monthly Income (Pre-Tax)
Base Income $ per
Net Rental Income
Income from other sources
  Include income from other sources below
Alimony, Automobile Allowance, Boarder Income, Capital Gains, Child Support, Disability, Foster Care, Housing or Parsonage, Interest and Dividends, Mortgage Credit Certificate, Mortgage Differential Payments, Notes Receivable, Public Assistance, Retirement (e.g., Pension, IRA), Royalty Payments, Separate Maintenance, Social Security, Trust, Unemployment Benefits, VA Comp
  NOTE: Reveal alimony, child support, separate maintenance, or other income ONLY IF you want it considered in determining your qualification for this loan.
  Under Income Source, choose from the sources listed above:
Source Monthly Income $
Source Monthly Income $

Current Housing Costs:

Rent $
First Mortgage Payment $
  If taxes and insurance separate, list below
  Hazard Insurance $ Property Taxes $
  PMI Homeowner Assn. Dues
Second Mortgage Payment (P/I)

Assets: (Include all Applicants)

(includes checking, savings, stocks, mutual funds, etc.) (Include all Applicants Assets)
Account 1 balance $ Name of Bank Type
Account 2 balance $ Name of Bank Type
Account 3 balance $ Name of Bank Type
All additional accounts $ Type
Stocks and Bonds $ Name of Bank
401(k)/Retirement balance $
Net Worth of Businesses Owned $
Automobiles Owned 1 Yr/Make. Estimated Value $
Automobiles Owned 2 Yr/Make. Estimated Value $


Who do you owe? (Include all Applicants debts)
Current 1st Mortgage Co
 or Landlord Name
. Monthly payment
Current 2nd Mortgage Co . Monthly payment

Alimony/Child Support

$ month
All other debts of ALL applicants (car loans, credit cards, student loans, etc) List only minimum required monthly payments
  Total unpaid balance(s) $

Own Other Properties:

Own any other property NO YES
Property 1 address
  St Zip
Estimated Value $
Still Owe $
2nd home or rental? 2nd home   Rental
  What do you receive in rent? $
Property 2 address
   St Zip
Estimated Value $
Still Owe $
2nd home or rental 2nd home   Rental
  What do you receive in rent? $


A. Are there any outstanding judgments against you?
B. Have you been declared bankrupt within the past 7 years?
C. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?
D. Are you a party to a lawsuit?
E. Have you directly or indirectly been obliged on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure or judgment?
F. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee?
G. Are you obligated to pay alimony, child support, or separate maintenance?
H. Is any part of the down payment borrowed?
I. Are you a co-maker or endorser on a note?
J. Are you a U.S. citizen?
K. Are you a permanent resident alien?
l. Do you intend to occupy the property as your primary residence?
M. Have you had an ownership interest in a property in the last three years?
(1.) What type of property did you own Principal Residence (PR), second home (SH), or investment property (IP)?
(2.) How did you hold title to the home - solely by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?


Information for Government Lender Monitoring purposes
The purpose of collecting this information is to help ensure that all applicants are treated fairly, and that the housing needs of the communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.  You are not required to provide this information, but are encouraged to do so. You may select one or more designations for ethnicity and or more designations for race. The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However if you choose not to provide the information, and you have made the application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application.  If you do not wish to provide some or all of this information, please check below.

 I do not wish to answer
  Multiple Entries OK
Race White
    Black or African American
      Asian Indian Chinese Filipino  Japanese
      Korean Vietnamese Other Asisan.
       If 'other' enter Example: Hmong, Pakastani, and so on.
  Native Hawaiian or other Pacific Islander
      Native Hawaiian Guamanian or Chamorro  Samoan
      Other Pacific Islander.
       If 'other' enter Example: Fijan, Tongan, and so on.
  American Indian or Alaska Native
       Name of enrolled or principal tribe
  Native Hawaiaan or Other Pacific Islander
           Native Hawiaan Guamanian or Chamorro Samoan  Other  
            If 'other' enter race Example: Fijian, Tongan, and so on.  
  Native Hawaiian or Other Pacific Islander
          Native Hawaiian Guamanian or Chamorro Samoan  Other  
           If 'other' enter race Example: Fijian, Tongan, and so on.  
  I do not wish to answer
Ethnicity: NOT Hispanic or Latino
  Hispanic or Latino
       Mexican  Puerto Rican  Cuban  Other Hispanic or Latino
        If other, enter origin Example: Argentinean, Columbian, Spaniard, etc.
  I do not wish to answer   
Gender   Male  Female  Do not wish to answer

Other Information:

Please write in any other information you feel is important to us making our decision, or answers to any YES questions in the declarations section.
How did you find out about us  
This help's keep our advertising dollar effective, therefore reducing YOUR closing costs!



Borrowers Certification & Authorization to Release Information and Important Information About Procedures For Opening A New Mortgage Loan Account

By submitting your mortgage application through our Secure Internet connection: I/We have applied for a mortgage loan with Cambria Mortgage Inc, hereinafter called the lender. In applying for the loan, I/We completed a loan application containing various information on the purpose of the loan, the amount and source of the down payment, employment and income information, and the assets and liabilities. I/We certify that all of the information is true and complete. I/We made no misrepresentations in the loan application or other documents, nor did I/We omit any pertinent information. I/We understand and agree that lender reserves the right to verify the information provided on the application with the employer and/or the financial institution. I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, Section 1014. I/We understand this pre-approval request is not to be construed as a complete application for credit and does not obligate the applicant in any way to lender. If desired, applicant may contact lender at anytime to finalize a formal credit application, and receive a Estimate of all closing costs and disclosures. As part of the application process, lender and the mortgage guaranty insurer (if any), may verify information contained in my/our loan application and in other documents required in connection with the loan, either before the loan is closed or as part of its quality control program. I/We authorize lender, and to any investor to whom lender may sell my mortgage, to obtain any and all information and documentation that they request. Such information includes, but is not limited to, employment history and income; bank, money market and similar account balances; credit history; and copies of income tax returns. I/We authorize lender to obtain a copy of my/our credit report, and to make contact with me/us by mail, phone, cellphone, text message, or Email. Important Information About Procedures For Opening A New Mortgage Loan Account. To help the government fight the funding of terrorism and money laundering activities, Federal Law now requires all financial institutions to obtain, verify, and record information that identifies each person who opens a mortgage loan account. What this means to you: When you open a mortgage loan account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. The information being requested and observed is for compliance with the requirements of Section 326 of the USA Patriot Act of 2001, implementing customer identification and verification requirements. The information in no way will be used in making the credit decision on your completed application.

By submitting, I agree that I have read, and understand the above disclosures.

Click icons for secure site info.

In accordance with The Privacy of Consumer Financial Information Act, we understands that any information given by the customer for home mortgage application purposes will be used only for loan approval. Any personal information given on this web site will not be re-distributed or sold in any manner whatsoever.  Your personal information is secure and confidential and will only be used in connection with your loan request. We never sell, rent, share or provide your personal information to outside parties for any marketing purpose. We are committed to protecting your privacy.

©  1998 - 2020 Joe Metzler - Licensed as Cambria Mortgage. NMLS #322798.
Originator is Joe Metzler  NMLS # 274132.