Copyright 2019. Equal Housing Lender. Licensed in MN, SD, and WI. Nothing on this site is an offer to enter into an interest rate lock agreement. Any such offer may only be made in accordance with the requirements of Minn Statute Sec 47.208(3) and (4). Not everyone will qualify. Information, rates, programs, and guidelines subject to change without prior notice. All products are subject to credit, underwriting guidelines, and property appraisal. Other restrictions and limitations apply. This website is maintained by Joe Metzler, NMLS 274132, a Loan Officer with Cambria Mortgage, NMLS 322798).