• Cambria Mortgage, Rated Best Mortgage Company in the Twin Cities by Customer Satisfaction

  • First time home buyer programs and down payment assistance programs!

  • Want to refinance and lower your interest rate? Need cash? We can assist in refinancing your existing loan

  • We offer ZERO Down Payment VA Loans and USDA Rural Development Loans!

  • Home Loans for All types of people and situations - Apply Online Today...

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Looking for a mortgage in MN, WI, and SD?

As a direct mortgage lender, Minnesota, Wisconsin, and South Dakota home loans are all we do.

We beat the competition and the Real Estate Agents' in house lender everyday with super competitive mortgage rates, and the lowest closing costs possible.  All from fully licensed Loan Officers, providing great personalized service.

Who are you working with?  Did you know Joe was:

2019 - Super Mortgage Professional

2018 - Super Mortgage Professional

2018 - Top 300 Loan Officer in the Nation

2016 - Top 300 Loan Officer in the Nation
 2015 - Top 100 Loan Officer in the Nation
2014 - MN Loan officer of the Year
2011 - 40 Most influential Mortgage Professional
2010 - Top 150 Loan Officer in the Nation

When you decide to buy a home or refinance a mortgage throughout the upper Midwest area, your search for a home loan should start and end with Cambria Mortgage, the award winning Twin City area mortgage experts, with a 5 STAR Promise!

With so many lenders to choose from both locally and nationally, you need to pick one you can trust to provide the mortgage loan that is best for you.

Offering the lowest interest rates in Minnesota, Wisconsin, and South Dakota from the Best Mortgage Company in MN based on Customer Satisfaction (as rated from Mpls St Paul Magazine).

 

Find the lowest mortgage interest rates in MN, WI, and SD

View current mortgage interest rates and closing cost quote 24/7. No SSN required. 

 

Commitment to Your Knowledge

Joe Metzler and his team are committed to helping you make truly informed mortgage decisions.  Our advice goes beyond just quoting interest rates and closing costs. We provide a complete analysis of your situation to make sure you are not only getting a home, but the best home loan possible.

 

Popular mortgage loan programs

For our military personal, we offer a zero down payment VA Home Loan, and for everyone else, a zero down payment USDA Rural Development loan?

As you can see, we offer a broad range of mortgage loans for both a home purchase or refinance with super competitive interest rates and first-rate service from fully licensed Loan Officers.

 

Need First Time Home Buyer programs with Down Payment Assistance?

We offer the MHFA Start Up and Step Up down payment assistance programs. Get up to $10,000 in down payment assistance to those who qualify.

Call us for more details, or simply apply online. No obligations

APPLY Online
 
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Purchase Loans
 
Refinance Loans
 
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Latest Mortgage News

Down payment assistance income limits!

First Time home buyers looking for down payment assistance have some great news...

MHFA, the MN Housing Finance Agency, has recently announced increased income limits to qualify for their deferred down payment assistance program.

A family of 4 can now make up to $90,000 a year and still qualify for $8000 in a down payment assistance loan with no payments due until you satisfy the first mortgage (sell or refinance) the home.

Click here for more information on the MHFA Down Payment Assistance program.
 
 

New Home Loans

 

We provide standard and government home loans. To apply click here

 

Mortgage Refinance

 

Lower your existing loan payment, or take cash out for anything. To get started click here