About Us

FirstTimeHomeBuyer-MN.com is a website specifically for first time home buyers in the great state of Minnesota.

It is run is by Loan Officer Joe Metzler (NMLS ID#274132), with Cambria Mortgage (NMLS ID#322798) out of their St Paul, MN office.

About Cambria Mortgage
Owned and operated by the family that provides luxury natural quartz surfaces, Cambria Mortgage is committed to the same standards of service, quality and integrity. A family-owned business in Minnesota, Cambria is the leading producer of quartz surfaces in North America. Cambria Mortgage is headquartered in Eden Prairie, MN. As a full service mortgage company, they offer a wide array of products, including Conventional, FHA, VA and Rural Development loans.

Your Hometown Lender

In 2008, Cambria Mortgage began in a suburb of Minneapolis, Since then, also like many of those we help find financial security, our standing has improved dramatically.

At Cambria Mortgage our primary goal is to make it easy for you to finance or refinance your home with innovative mortgage solutions, highly competitive rates, and personal hometown service from experience Loan Officers.

We offering a wide variety of home loans not only for first time home buyers, but all home buyers, and those seeking to refinance their existing mortgage too.

About Joe and Eric Metzler, Senior Loan Officers

Cambria Mortgage, the Joe Metzler Team has been making home buying dreams come true for nearly 30 years. Like many of the people that we help find financial security through their homes, we too are grateful to every one of our borrowers who have allowed us to grow our lending potential over the last two decades. Through providing financial support and services to satisfied homebuyers, Addendum has funded over $4 billion in home loans.

Joe started his mortgage career with a small mortgage broker in the 1990’s. It quickly became apparent that a small broker simply couldn’t offer the product or service his customers deserved and demanded. Not having any control over a loan once a broker sends it to the real lender, just wasn’t working.

Joe then moved onto a local correspondent lender, where he had a much bigger set of loan options, but more importantly, they took the application, processed the loan, did all their own underwriting, and funded their own loans.  

In the early 2000’s, Joe’s business had grow to the point of needing a full time assistant. Knowing he needed the best, Joe had to look no further than his own home, hiring his oldest son Eric.  Being a quick learner, Eric got licensed himself as a Loan Officer.

This worked well for over 20-years. Joe and Eric closed thousands of loans, and won multiple local and national awards, including the 2014 State of Minnesota Loan Officer of the Year, and multiple “Top Producer” awards.

Eventually, the winds of change blew through, and in 2019, it was time for Joe and Eric to find a new home again. Having searched high and low for the best all around lender, they finally selected local Minnesota based Cambria Mortgage.

Don’t let anyone fool you.  Mortgages are complex with many moving parts. In today’s market, there is simply no substitute for a good lender. Whatever your mortgage goal, an experienced loan officer can spell the difference between a smooth process and an unsuccessful one.  Cambria Mortgage and the Joe Metzler Team can provide you with the highly specialized information to help you make the right decision.


Cambria Mortgage

Cambria Mortgage, along with our parent company, Cambria Quartz Countertops has deep roots in Minnesota, with a well known, and well respected name.  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.

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Your Hometown Lender

At Cambria Mortgage our primary goal is to make it easy for you to finance or refinance your home with innovative mortgage solutions, highly competitive rates, and personal hometown service.


Cambria Mortgage is owned and operated by the same family that brings you industry-leading Cambria countertops. Together, we’re unified in our commitment to providing all our customers with the highest levels of quality and service in everything we do.

Cambria Mortgage is dedicated to the success of our customers. We are experienced, local and pride ourselves on processing all of our loans in-house. Watch our video to learn why you should partner with Cambria Mortgage for your next home purchase or refinance.



For more than 25 years, The Joe Metzler team has been passionate about achieving better results for our clients.

Yes, all Cambria Mortgage Loan Officers are licensed. This is important to understand, as not all loan officers are. In fact, around a whopping 70% are simply registered, and more like just an application clerk, versus a professional Loan Officer.

Cambria Mortgage is based out of Eden Prairie, MN, and is licensed to provided home mortgage purchase and refinance loans in Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, Florida, and Texas 

Cambria Mortgage offers all your typical home mortgage loans, including standard 30-year fixed, FHA loans, VA loans for our military, USDA rural housing loans. 

This web site is dedicated primarily to first time home buyer programs, and down payment assistance programs in Minnesota

Unfortunately no. But, we can promise that we will professionally review your application, look at all available loan options, and make sure we have done everything we need to do, so that when we issue you a pre-approval letter. you can have confidence you’ll have an on time and successful closing.

Yes, we work with many different programs that offer first time home buyers down payment and closing cost assistance. Of course not everyone will qualify for assistance, as most programs have income and credit score limits

Post Close Satisfaction Rating
Averatge Days to Closing
Number of loan options
years of Experience

Speed Up the Loan Process

Apply with your phone, scan and upload documents, run estimated payments, and track your application from beginning to end. With our app you will always be in touch. Use the Cambria Mortgage app to stay mobile and trendy!

Minnesota Housing Approved Lender