Home Purchase - Home Refinance
For Properties in MN WI IA ND SD CO FL
November is truly a month of gratitude. Not only do the holidays start inching nearer with Thanksgiving at the forefront, but we also celebrate our nation’s heroes on Veterans Day.
Cambria Mortgage recognizes it is a great honor and privilege to serve those who have served our country. Though it will never suffice in return for what we’ve received from our Veterans, we are proud to specialize in VA loans and offer exclusive savings to Veterans at closing.
Are you a Veteran? Read on to learn more about the benefits you’re entitled to, and of course… Thank you for your service!
The VA loan is one of the most powerful lending programs available and is reserved exclusively for Veterans, Reservists and Active Duty Personnel along with their eligible spouses. Backed by the U.S. Department of Veterans Affairs (VA), the VA home loan program is designed to make homeownership easy and affordable.
This program can be used for the purchase of a primary residence such as a single-family home, loft or condominium. If you do a cash-out refinance on an existing VA or non-VA mortgage, you can use the proceeds for any purpose, including improving a primary residence. The VA loan program offers many exclusive benefits, low closing costs, competitive interest rates and more.
To qualify for a VA home loan, an individual must meet at least one of the following criteria:
One of the greatest benefits of the VA home loan program is that it doesn’t require a down payment, allowing many individuals the opportunity to purchase homes when they normally couldn’t under a traditional mortgage. This loan program also does not require private mortgage insurance. Limited closing costs and gift funds are also acceptable for closing costs. Here are a few more benefits:
Are you looking to take advantage of a VA loan? Our team can help you obtain a certificate of eligibility from the U.S. Department of Veterans Affairs and determine whether this program is right for you. Once you’ve received a quote, we’ll explain your loan limit, loan terms and other key factors, answer any questions and help you make the right decision. As a special thank you, Cambria Mortgage will also waive the $450 appraisal fee* for applications taken in November 2021, and presented as a lender credit at closing.
Get in touch with us today, we are honored to assist you: (651) 552-3681. or just APPLY ONLINE right on this web site.
While we appreciate all Veterans, we only lend for properties in MN, WI, IA, ND, SD, CO, FL, CO, and FL.
The small print
*Appraisal Fee may vary. Cambria Mortgage will provide $450 as a lender credit and the remaining balance is to be paid by the borrower. Only valid on applications, both VA purchase, and VA refinance, taken during the month of November 2021. Equal Housing Lender, Equal Opportunity Employer, Cambria Mortgage NMLS# 322798. These products and interest rates are subject to change at any time due to changing market conditions. Actual rates available to you may vary based upon a number of factors including your credit rating, size of down payment and amount of documentation provided. Lending services may be provided in certain states by Cambria Mortgage. This is not an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. The information here may not be up-to-date and may no longer be accurate. Consumers must independently verify the accuracy and currency of available mortgage programs. All loan approvals are subject to the borrower(s) satisfying all underwriting guidelines and loan approval conditions and providing an acceptable property, appraisal and title report.
Top rated nationally and locally year after year. Because clients agree - expert Loan Officers, interest rates you can brag about and amazing service sets us apart from the big banks and internet lenders.
33 Wentworth Ave E, St Paul, MN 55118
(651) 552-3681
Loans@VAMortgageMN.com
Cambria Mortgage, Inc | NMLS #322798
Branch Manager: Joe Metzler, NMLS #274132
Branch NMLS #1888858
We are not acting on behalf of, or under the direction of the VA or the Federal Government. The Veterans Administration does not lend directly to the public, only through approved lending institutions like us here at Cambria Mortgage.
The Department of Veteran Affairs requires mortgage companies who offer VA Loans go through a stringent approval process. We are proud tp a VA approved mortgage lender and are proud to help military families use their VA Loan Benefits.
Equal Housing Lender, Cambria Mortgage NMLS# 322798. Our lending services provided only in the following states: Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, and Florida. This is not an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. The information here may not be up-to-date and may no longer be accurate. Products and interest rates are subject to change at any time due to changing market conditions. Actual rates available to you may vary based upon a number of factors. Consumers must independently verify the accuracy and currency of available mortgage programs. All loan approvals are subject to the borrower(s) satisfying all underwriting guidelines and loan approval conditions and providing an acceptable property, appraisal and title report. © 1998 - 2024, Joe Metzler, NMLS 274132
Rates listed here are national averages. Your actual interest rate may vary based on your personal situation, loan type, credit scores, and closing cost choices. Lower rates available by paying discount points (higher closing costs). Lower closing costs available by taking a higher interest rate. Rates below reflect PURCHASE loan interest rates, refinance rates tend to run higher.
NOTICE: You will be leaving this VA Mortgage website, and will be taken to the Cambria Mortgage MY ACCOUNT page. You must already have a login and password to view your account, upload documents, etc.