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Your Trusted Saint Paul Area Mortgage Partner

Get pre-approved in 24 hours. Competitive rates. Expert local guidance from Joe Metzler.

Get Your Free Quote (651) 552-3681
25+ Years Experience
5,000+ Loans Closed
4.9★ Rating

How We Help You

Local expertise. National lender network. Best rates guaranteed.

Home Purchase

First-time buyer or moving up? We'll find the perfect loan for your dream home.

  • FHA, VA, Conventional
  • Low down payment options
  • Fast pre-approval
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Refinancing

Lower your rate, shorten your term, or tap into your home's equity.

  • Rate & term refinance
  • Cash-out refinance
  • No-closing-cost options
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Jumbo Loans

Financing for luxury homes and high-value properties in the Twin Cities.

  • Up to $3M+
  • Competitive rates
  • Flexible terms
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View All Services

Mortgage Calculator

The rate in the calculator is for illustrative purposes only and not a rate lock offer; please contact us for a personalized quote based on today's real-time market.
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20%
%
Estimated Monthly Payment $2,076 Principal & Interest
Loan Amount: $320,000
Total Interest: $427,360
Total Paid: $747,360
Get Pre-Approved

*Estimate only. Does not include taxes, insurance, or HOA fees.

Ready to Apply?

Start your mortgage application online. Secure, fast, and easy.

Complete application in 10 minutes
Secure encrypted connection
Get pre-approved in 24 hours
Compare rates from 50+ lenders
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Or call Joe directly: (651) 552-3681

What Our Clients Say

Real reviews from real homeowners

★★★★★

"Joe made our first home purchase so easy! He explained everything clearly and got us an amazing rate. Closed in 3 weeks!"

Sarah & Mike T. Highland Park
★★★★★

"Refinanced with Joe and saved $400/month. He was responsive, professional, and made the process painless. Highly recommend!"

Jennifer L. Summit Hill
★★★★★

"True local expert. Joe knew the Saint Paul market inside and out. Got us pre-approved same day and we beat out other offers."

David K. Mac-Groveland
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Local Expertise. National Resources.

For over 25 years, Joe Metzler has been helping families across seven states achieve their homeownership dreams.

As an independent mortgage broker with Cambria Mortgage, we work for YOU—not the bank. We compare rates from over 50 lenders to find the perfect loan for your unique situation.

NMLS #274132 Licensed in AZ, CO, FL, IA, MN, ND, SD, WI
BBB A+ Rated Accredited Business
MBA Member Mortgage Bankers Assoc.
Learn More About Joe
Joe Metzler, Senior Mortgage Broker with 25+ years experience helping Saint Paul area families

Ready to Get Started?

Let's discuss your home financing options

Call Us

(651) 552-3681

Mon-Fri 8am-6pm, Sat 9am-2pm

Email Us

Joe.Metzler@
CambriaMortgage.com

We respond within 2 hours

Apply Online

Free, No Obligation

Secure online application

Visit Us

1549 Livingston Ave
Suite 105
St Paul, MN 55118

By appointment