Terms of Service

Effective Date: January 1, 2026 | Last Updated: January 1, 2026

1. Use of Website

1.1 Permitted Use

This website is provided for informational purposes related to VA loans, mortgage products, and services offered by Joe Metzler and Cambria Mortgage. You may use this website to:

• Learn about VA loan products and services
• Use mortgage calculators and tools
• Submit loan applications or contact requests
• Access educational resources about VA loans

1.2 Prohibited Use

You may NOT use this website to:

• Violate any applicable federal, state, or local laws or regulations
• Transmit viruses, malware, or any harmful code
• Attempt to gain unauthorized access to our systems or data
• Scrape, harvest, or collect data from this website using automated tools
• Impersonate another person or entity
• Submit false or misleading information

2. No Guarantee of Loan Approval

Information provided on this website is for educational and informational purposes only. Use of this website, submission of a loan application, or contact with Joe Metzler does not constitute a loan commitment or guarantee of loan approval.

All loan applications are subject to:

• Credit approval
• Income and employment verification
• Property appraisal
• Underwriting guidelines
• Final lender approval
• VA eligibility requirements (for VA loans)

3. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding the accuracy, completeness, or timeliness of the content on this website.

• Interest Rates: Rates displayed are estimates and may change without notice. Actual rates depend on credit score, loan amount, property type, and other factors.
• Loan Programs: Program availability and terms are subject to change
• Calculators: Results are estimates only and do not constitute a loan offer
• VA Requirements: VA loan requirements and guidelines may change

4. Licensing and Regulatory

Joe Metzler is a licensed Mortgage Loan Originator in the following states:

• Arizona (License # LO-2016702)
• Colorado (License # 100536785)
• Florida (License # LO119389)
• Iowa (License # LO119389)
• Minnesota (License # MLO-274132)
• North Dakota (License # MLO274132)
• South Dakota (License # MLO0303095)
• Wisconsin (License # 11418)

NMLS #274132 | Cambria Mortgage NMLS #322798

Services are only available in states where properly licensed. For complete licensing information, see our State Licenses page.

5. Equal Housing Opportunity

Cambria Mortgage is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, marital status, age, sexual orientation, or any other protected class under federal, state, or local law.

6. Third-Party Links

This website may contain links to third-party websites (such as lender portals, government websites, or other resources). We are not responsible for the content, accuracy, or privacy practices of external sites. Links are provided for convenience only and do not constitute an endorsement.

7. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Cambria Mortgage or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, or distribute website content without written permission
• Use our trademarks, logos, or branding without authorization
• Create derivative works based on our content

8. Disclaimer of Warranties

THIS WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of accuracy, reliability, or completeness
• Warranties that the website will be uninterrupted or error-free
• Warranties that defects will be corrected

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAMBRIA MORTGAGE AND JOE METZLER SHALL NOT BE LIABLE FOR:

• Any direct, indirect, incidental, special, or consequential damages
• Loss of profits, revenue, data, or business opportunities
• Damages resulting from use or inability to use this website
• Damages resulting from reliance on information provided on this website
• Damages resulting from unauthorized access to your information

10. Indemnification

You agree to indemnify, defend, and hold harmless Cambria Mortgage, Joe Metzler, and their employees, agents, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of this website
• Your violation of these Terms of Service
• Your violation of any law or regulation
• Your violation of any third-party rights

11. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

12. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with a new "Last Updated" date. Your continued use of this website after changes are posted constitutes acceptance of the revised terms.

13. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Minnesota, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the state or federal courts located in Ramsey County, Minnesota.

14. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15. Contact Information

If you have questions about these Terms of Service, please contact: