- (651) 552-3681
- Joe.Metzler@CambriaMortgage.com
- 33 Wentworth Ave E, St Paul, MN 55118

Make Your DreamsCome True
Your family deserves the most comfortable house to live.
We help first time home buyer dreams come true.
We help first time home buyer dreams come true.

The Fastest Wayto Your New Home
Cambria Mortgage and our many first time home buyer options!
Including down payment assistance!
Including down payment assistance!

Don’t MissYour Perfect House!
Get Pre-Approved today!
We make the process simple, stress free, and answer all your questions along the way.
We make the process simple, stress free, and answer all your questions along the way.
Down payment starting
from ZERO
Loans Uup to
up to $5M
FAST & EASY PROCESS
only 14 Days
LONG LOAN TERM
up to 40 Years
GET PRE-APPROVED
Fast & Easy Application Process
Step 1
Complete a simple application
Online, with out app, over the phone, or in-person
Step 1
Step 2
Get Your Loan Approved
Submit all of the paperwork required to complete the purchase, like pay stubs, W2's, and bank statements.
Step 2
Step 3
Get Your Pre-Approval Letter
Once all previous steps are done, you are ready to meet with a Real Estate Agent to find that perfect first home.
Step 3
OUR SERVICES
Find Loan Products We Offer
01. Buying a Home
We reward money-saving real estate program for home buyers…
02. Refinancing
We refinance our clients as rates change quickly and…
03. Down Payment Assistance
Lack of down payment money is one of the biggest hurdles when trying to buy a home.
Play Video
We have deep Minnesota roots. We've been passionate about achieving better results for our clients
what we do
client results
social impact
We provide many loan programs, great rates, and awesome service. We constantly work on delivering the best services to our clients. Our license Loan Officers will walk you through every step of the loan application and approval process – from answering questions, to closing your loan quickly.
For over 25-years, the Joe Metzler team has satisfied clients all over Minnesota. Find out how good it feels to work with a lender that delivers on programs, rates, and service. Then you’ll know why we have a 98% post closing satisfaction rating.
By doing our work on the highest level, we don’t just provide people loans for places to live, but also help ensure families get their own home where they can raise their children and make their dreams come true with an affordable payment.
contact us
Feel free to contact our Loan Officers
Online loan application can save you a lot of time and effort, you can undertake most transactions from the comforts of your home. However, we are always here an answer any and all of your questions.
WHAT OUR CLIENTS SAY
Some of our Awesome Testimonials
It was a pleasure to meet and work with you. Your input, expertise, and estimates helped me to move forward and know I would be OK. If you need a reference, or I can post my outstanding experience, I would be happy to do so. Many Thanks.

Deanna D.
Purchase, May 2022, Wyoming, MN
It was a pleasure to meet and work with you. Your input, expertise, and estimates helped me to move forward and know I would be OK. If you need a reference, or I can post my outstanding experience, I would be happy to do so. Many Thanks.

Deanna D.
Purchase, May 2022, Wyoming, MN
It was a pleasure to meet and work with you. Your input, expertise, and estimates helped me to move forward and know I would be OK. If you need a reference, or I can post my outstanding experience, I would be happy to do so. Many Thanks.

Deanna D.
Purchase, May 2022, Wyoming, MN
Joe and Eric were a real pleasure to work with. “Down to earth” conversations, patience in the process, and detailed information are just a few of their qualities. As a veteran, I greatly appreciate how they made the VA loan process painless. Thank-you. If you are looking for a honest loan processing experience, here it is.

Robert R.
Zumbrota, MN. Oct 2021, Refinance
Joe is my go to Loan Officer! Consistent, reliable, available; all the qualities sought in a successful partnership!
Of all the Loan officers I know, Joe is who I use personally.

Katie D.
Real Estate Agent, Woodbury, MN March 2022
My faith in you and your reputation is, once again, well deserved. Thank you so much for your hard work and expertise!

Chuck E.
Realtor, Woodbury, MN (talking about closing a tough, non-traditional, Non-QM loan
I highly recommend Joe and his team! Joe explained all the different options and made the process painless and easy. Very knowledgeable and exceptional communication.

April P.
Minneapolis, MN May 2021 - Purchase
This is our second time working with Joe and I can’t say enough about the smooth process. Joe provided straight forward answers to all our questions and found us the best rate. I wouldn’t hesitate to recommend him to anyone looking to purchase or refinance a mortgage!!

John L.
Burnsville, MN. March 2021 - Refinance
DOWNLOAD OUR APP
Speed Up the Loan Process
Install the Cambria Mortgage Mobile App for an Enhanced Mortgage Experience
With Our FREE Mobile app for iPhone ™ or Android ™ you can do a full loan application, follow the status of your loan, scan and upload documents, calculate potential house payments, and more!
You also get direct contact with your Loan Officer, have push notification reminders for important dates (appraisal, closing, rate lock etc.), initiate a chat, and contact information for all involved.
Mobile Capture Technology even allows you to scan and securely upload documents, and via our secure portal, you can view, eSign, and download loan documentation (approval, appraisal and closing docs).
2000
Year Cambria Countertops Started
2008
Year Cambria Mortgage Started
100+
Lending Options
5000+
Happy Clients
As a first time home buyer...
The home buying process can feel scary and overwhelming. But don’t worry, we have you covered. Just reach out to us at (651) 552-3681.
OUR Mortgage BLOG
Latest Mortgage and Real Estate News
When buying as house, What is first? Talk to Real Estate Agent or a Lender?Minneapolis, MN: Ready to buy a home? Most people think...
Downpayment Savings Tips Dreaming of owning a home but finding saving for a downpayment daunting? Fear not! As your helpful Loan Officer, I'm here...
Minneapolis, MN: There has been many predictions of a decline in home values because of higher mortgage interest rates, but it simply hasn't happened....
Always Stay In Touch
Subscribe to our newsletter. Get current mortgage and rate information, and exclusive deals you won't find anywhere else, straight to your inbox.
Opt-out anytime, and no worries. We will never sell your information to anyone.