About Joe Metzler

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, Joe works for YOU—not the bank. With access to over 50 lenders, he compares rates and programs to find the perfect loan for your unique situation.

Unlike retail banks or credit unions that can only offer their own mortgage products, Joe shops the marketplace to ensure you get the best possible rate and terms. This independent approach has saved his clients millions of dollars over the years.

Why Choose Joe?

• 25+ Years Experience - Deep knowledge of mortgage products and local markets across seven states
• Independent Broker - Access to 50+ lenders means better rates and more options for you
• Local Expert - Understands Saint Paul, Twin Cities, and regional real estate markets intimately
• Personalized Service - You work directly with Joe, not a call center or loan processor
• Fast Closings - Streamlined process gets you to closing in as little as 15 days
• Multi-State Licensed - Serving clients in AZ, CO, FL, IA, MN, ND, SD, WI
• Proven Track Record - Over 5,000 successful loan closings and counting

Education & Credentials

The Cambria Mortgage Difference

Cambria Mortgage is not your typical mortgage company. As an independent broker, we work for our clients—not a bank's bottom line. This means:

• Unbiased Advice - Recommendations based on what's best for you, not sales quotas
• Competitive Shopping - We negotiate with multiple lenders to get you the best deal
• More Options - Access to loan programs that big banks don't offer
• Faster Approvals - Streamlined process without corporate red tape
• Expert Guidance - Navigate complex situations with confidence

Community Involvement

Joe is actively involved in the Saint Paul community, supporting local schools, youth sports programs, and charitable organizations. He believes in giving back to the communities that have supported his business for over 25 years.

When he's not helping clients achieve homeownership, Joe enjoys spending time with his family, coaching youth baseball, and volunteering at local food banks.

What Clients Say

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