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  • Cambria Mortgage Feedback and testimonials

  • Satisfied clients don't come easy in the mortgage world. It requires an experienced Loan Officer, great communication skills, killer interest rates and programs, and an amazing company.  I'm proud to offer all of these things to my clients.   - Joe Metzler, Senior Loan Officer

  • Best Mortgage companies in St Paul
  • 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 ★★ ★ ★ ★

    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) ★★ ★ ★ ★

    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) ★★ ★ ★ ★

    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) ★★ ★ ★ ★

    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 Joe's 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 ★★ ★ ★ ★

    Joe made the entire experience very straightforward. The numerous questions I had were always answered forthrightly and expertly with a very clear skill and expertise underlying the answers. He simplified the process to the point where I had complete peace of mind going into the largest financial transaction of my life - for which I am immeasurably grateful.
    - Joe G., Rosemount, MN (May 2020) ★★ ★ ★ ★

    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 (Sept 2019) ★ ★ ★ ★ ★

    Joe and Eric were very helpful and took the time to explain things to us. Would love to work with the team again in the future
    - TJ C. Saint Paul, MN (August 2019)​ ★ ★★★ ★

    As a first time home buyer, 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. Apply Valley, MN (July 2019) ★ ★★★ ★

    After getting an accepted offer on my dream house, I was not happy with the interest rates by the banks. I was frustrated, and close to cancelling. My Realtor told me to try Joe Metzler at Cambria Mortgage, and I’m so glad I did. I was familiar with Cambria counter tops, but I didn't know they did mortgages too. I was hesitant to call, but they gave me a lower rate than other lenders could offer with the no loan origination fee I wanted. They saved me a ton of money and got my loan done on time. Their online electronic signatures and portal makes it easy to upload documents. I had a wonderful experience buying my first home thanks to Joe, Eric, and Cambria Mortgage.
    - VM - Minneapolis (July 2019)
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  • equal housing lender Minnesota, wisconsin, iowa, north dakota, south dakota

    Cambria Licensed Mortgage Loan Officer serving home owners, home buyers and residential real estate investors. Equal Housing Lender, Cambria Mortgage NMLS #322798. I am a licensed mortgage originator, NMLS #274132, and am licensed to originate mortgage loans in: MN, FL, WI, IA, ND, and SD. Lending services may be provided in certain states by Cambria Mortgage NMLS #322798. 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. 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. © 2023 Joe Metzler