Reviews and testimonials

“Joe and his team have helped us with all of our home search needs twice! We’ve really appreciated their expertise and transparency during the home purchasing process. They’re very knowledgeable and make things seamless. I would highly recommend Joe to anyone who asks!”
Diana G (Purchase, January 2024) Blaine, MN. ★★ ★ ★ ★

Joe was very informative, unbelievably knowledgeable in his field! He helped us finance our dream home. I hope to never move again but if I did, I will call Joe! Great guy! I highly recommend!
Beth A (Purchase, Sept 2023) Pine City, MN. ★★ ★ ★ ★

I can not thank Joe and his team enough. He was able to get us a sizable loan even under our complicated circumstances. He worked with the Realtor’s very well to get our closings done! Joe and Eric communicated with us especially well through the entire process, and thoroughly answered all of our questions so that we were always in the know. Again, I con not thank them enough. I recommend Joe and his team to EVERYONE! Even my daughter is currently working with Joe and his team to finance her first home! The man is a great human, personable, friendly, and above all else, in my book anyway, HONEST! I won’t go anywhere else for a mortgage or refi. THANK YOU JOE!!! WE LOVE OUR HOME!!!
Chris R. (Purchase Sept 2023) Pine City, MN. ★★ ★ ★ ★

This was our second time around buying a home, and the first experience compared to working with Joe and his team at Cambria Mortgage was like night and day, Joe and his team provided excellent service and explained the whole process so there were no surprises! Scott, our agent, was exceptional with negotiating a fair price in the flurry of offers to still include contingencies we deemed important to close.
Derek L, (Purchase, May 2022), Wyoming, MN ★★ ★ ★ ★

Very satisfied. Everything was so well explained, and both of you are great trouble shooters! I feel that you and Eric were the perfect team to successfully offer us an asset depletion loan. You both are truly experts in your fields!!
Ken M. (Purchase – April 2022) Minneapolis, 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 and Eric, Again, we are forever grateful for your service, time, expertise, coaching, and everything you did for our family. I cannot say this enough and I am excited to share our experiences with other military veterans. This is not goodbye, but I wanted to send our gratitude subsequent to the perfected closings x 2 this past Friday.
– Jasper B,, Edina, MN (Oct 2021 – Purchase)

I’m a repeat customer with Joe because he’s reliable, knowledgeable, and has all the tools. Even when I think my loan doesn’t “fit in the box”, he shows me that it actually does.
– Peter S. Farmington, MN (July 2021 – Refinance) ★★ ★ ★ ★

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. Winsted, MN (May 2021 – Refinance) ★★ ★ ★ ★

I highly recommend Joe and his team. We had a great experience with them and the entire mortgage process went smoothly from start to finish.
– John R, Woodbury, 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) ★★ ★ ★ ★

Joe & Eric Metzler and Cambria Mortgage were extremely helpful and guided us smoothly through the process of refinancing our home loan. The communication was outstanding, not to mention very friendly. We knew what to expect and when. Fantastic! Thank you to everyone!
– Kathleen and Steven R. Chaska, MN (Dec 2020) ★★ ★ ★ ★

I started the process with Wells Fargo cause that’s who we were currently mortgaged with. After 2 months of submitting docs, some of them expired due to the length of time it was taking for them to process, so I was to submit them again. I thought this was unreasonable. A friend passed along Joes info and we got the process started with him. Ended up to be the best thing I did. Joe was .375 percentage lower that what Wells offered in the beginning, way less docs to submit, and closed on the loan in less than 40 days. I wouldn’t hesitate to use Joe again for other needs as well as refer him to a friend.
– Brian B, Rush City, MN (Oct 2020) ★★ ★ ★ ★

Best Mortgage experience ever. Joe is a kind of person who have the complete knowledge about the industry and always provides you the updates in a timely manner. He educated me in a lot of stuff related to refinance and very transparent and provides you the latest info about the market and the mortgage. I would highly recommend him when you are looking for mortgage or refinance. Loved the overall process and updates along the way to closing my refinance.
– D.B.S. Apple Valley, MN (Sept 2020) ★★ ★ ★ ★

“As a first time homebuyer, Joe spent a large amount of time making sure I understood the process and answered any questions I had, clearly and promptly. The rest of the team was quick to respond to any questions I had as well. Overall, they made a daunting process for a first timer painless. I feel as though I knew what to expect along the way thanks to how clearly everything was explained to me. Amazing service. I highly recommend Joe and his team!
– Samantha S. Apple Valley, MN ★★ ★ ★ ★

This was my first time buying a home, and Joe helped me out through the whole process. I am grateful for it. I am very satisfied.
Cassandra R. Inver Grove Heights, MN (Nov 2019)

The help was above and beyond what I could ever wish for, they made the experience of buying a house fun and a walk in the park! Very professional in knowing what they were doing and how to work any bumps in the road out! Hassle free! I’m really glad I went with them!
– Carter B, Wisconsin (Oct 2019)

Joe’s done multiple mortgages for me, and while I research my options each time, Joe ALWAYS delivers. Thanks Joe for another seamless transaction.
-Jeff K, Stillwater, MN (Oct 2019)

Great experience with Joe and his team – our second time using their services. Professional and good communicators. They made our quick close happen! Highly recommended!
– Eric P., St Paul, MN (Oct 2019)

As a first time homebuyer, Joe spent a large amount of time making sure I understood the process and answered any questions I had clearly and promptly. The rest of the team was quick to respond to any questions I had as well. Overall, they made a daunting process for a first timer painless. I feel as though I knew what to expect along the way thanks to how clearly everything was explained to me. Amazing service. I highly recommend Joe and his team!
– Samantha S., Minneapolis (August 2019)

We are so impressed with our home buying experience with Joe Metzler Mortgages Unlimited. He is professional, was able to easily guide us through the process, was always available and just a great guy to work with for two home purchases. We would never consider using anyone else.
– Butch and Sheila V., Minnesota (Sept 2018)

Note: Not all reviews are for First Time Home Buyer Loans.