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** Rates above assume a best case customer. This means 20% down payment or equity, 740 or higher middle credit score, and a conforming loan. For FHA loans, just 3.50% down payment. Your exact situation and loan program may be different. While we do everything possible to make this information accurate, a full application, including a review of your supporting documents, including W2's, pay stubs, bank statements, a credit report, and appraisal are all required to guarantee the exact interest rate and closing costs you will be offered. Not an offer to extend credit per Regulation Z. Rates subject to change until locked.

Cambria Mortgage - St Paul Office
33 Wentworth Ave E, Suite 290
St Paul, MN 55118
Office (651) 552-3681
Fax (651) 994-6425
E-Mail: joe.metzler@cambriamortgage.com

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FHA, VA, and USDA Approved Lender
We are an Approved Lending Institution for FHA, VA, and USDA Government Loans. While we are an approved lender, we are not part of HUD, FHA, the Veterans Administration or the United States Department of Agriculture. We are not acting on behalf of, or under the direction of HUD/FHA, VA, USDA, or the Federal Government in any way. FHA and VA do not lend directly to the public, only through approved lending institutions like Cambria Mortgage.

License Information
Cambria Mortgage. Nationwide Mortgage Licensing System and Registry (NMLS) # 322798 Saint Paul Branch - NMLS # 387944. Joe Metzler, Licensed Mortgage Loan Originator NMLS # 274132. Lending in MN, WI, IA, ND, SD,CO, or FL only. Equal Housing Lender © 1998 - 2023 - Joe Metzler for Cambria Mortgage