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  • Why Choose FirstTimeHomeBuyer-MN.com and the Joe Metzler Team

    The first time home buyer experts of The Joe Metzler Team at Cambria Mortgage have averaged a 96% post closing customer satisfaction rating over the past 20-years. That an amazing achievement.

    This is because we strive to put our customers first, and help them achieve their financial goals, not just do a loan. We work hard to gain your loyalty and trust by providing the best loan products and process, at a low price.

    Call us today and find out why our customers say we are the best!

    Respected Local Minnesota Based Lender

    It's a competitive real estate market. You may unknowingly be hurting your chances of getting your offered accepted if the Real Estate Agents perceives your lender in a negative light, or if the Loan Officer fails to properly communicate with the Agents 24/7.

    Real Estate Agents prefer LOCAL non-bank lenders

    Real Estate Agents will tell you, they prefer local non-bank lenders with a great local reputation like Cambria Mortgage. They see how banks, and big out-state internet lenders operate. They know our pre-approval letters are valid, they know we will close your loan on time, and communicate with everyone along the way.

    This makes sellers more likely to accept your offer.

    We Work For You

    A bank or credit union only offers their own products, and that may severely limit you. We look across all viable loan options, including bank offerings, to make sure you are getting the most competitive deal in the market today for your individual situation.

    Simply put. We work for YOU, and you can trust our knowledge and expertise is always working on your behalf.

    Award Winning

    Top rated locally and nationally year after year because clients agree, interest rates you can brag about combined with amazing customer service sets us apart from the big bank and internet lenders.

    2021 - Best Mortgage Company in St Paul, MN
    2021 - Super Mortgage Professionals™ (Twin Cities Business Magazine)
    2020 - Super Mortgage Professionals™ (Twin Cities Business Magazine)
    2020 - Best Mortgage Company in St Paul, MN
    2019 - Super Mortgage Professionals™ (Twin Cities Business Magazine)
    2018 - Top 300 Loan Officer in the nation (National Mortgage News)
    2018 - Super Mortgage Professionals ™ (Twin Cities Business Magazine)
    2016 - Top 300 Loan Officer in the Nation (National Mortgage News)
    2015 - Top 100 Loan Officer in the Nation (National Mortgage News)
    2014 - Minnesota Loan Officer of the Year (Minnesota Mortgage Association)
    2011 - 40 Most Influential Mortgage Professionals to Watch (NMPM)
    2010 - Top 150 Loan Officer in the Nation based on Dollar Volume (Origination News)

    Digital Mortgage Process, or In Person

    It's the 21st century. We offer all your expected wiz-bang technologies. Secure online applications, electronic signature documents, and secure document uploads. We also have a state-of-the-art mobile app with push status notifications and more [ Get Our App ]

    If all digital isn't your thing, we are more than happy to meet you in-person, and you can always drop off documents for your loan at any of our physical locations.

    Ready To Make Your Dream Come True?

    We make it easy. Choose an option to get started!

    1. Simply call us at (651) 552-3681
    2. Schedule an appointment. In-office, over the phone, or a virtual appointment
    3. Apply Online 24/7
    4. https://getstarted.cambriamortgage.com/homehub/signup/JOE.METZLER@CAMBRIAMORTGAGE.COMApply via our Smartphone app
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  • With all that we have to offer, why risk it with anyone else? Apply NOW

  • 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