FHA Loans In MN and WI
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Already pre-approved for a home loan with another lender?

Not all lenders are created equal

Not only do we offer a full range of mortgage loan programs to suit most peoples needs, at the most competitive interest rates in the market, but switch to Cambria Mortgage for your home loan, and

 Free Appraisal Offer

Up to a $450 Value! *

How cool is that? What could you do with the extra money?

Switching is easy, start by:
Apply right from your mobile device
call (651) 552-3681

Completing an application does not obligate you to anything, and doesn't hurt anything.  Rather, it simply gives us all the information needed to discuss your options and give you an accurate quote.

In a hurry? Complete this form, and we'll contact you:

Contact Information


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Cambria Mortgage - St Paul Office
33 Wentworth Ave E, Suite 290
St Paul, MN 55118
Office (651) 552-3681    Fax (651) 994-6425

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33 Wentworth Ave E - St Paul, MN 55118. Joe Metzler, Licensed Mortgage Loan Originator NMLS #  274132. Minnesota License: MN-MLO-274132. Wisconsin Liccense # 11418. South Dakota License # MLO03095

Equal Housing Lender 1998-2023 - Joe Metzler for Cambria Mortgage. NMLS #322798

* The Small Print and How It Works
You must provide a written pre-approval letter from any other lender, dated within the last 60-days PRIOR to your initial contact with us. You must inform your loan officer you wish to use this offer during your initial conversation. 
If you already locked-in your interest rate with another lender, this offer is not valid.  No cash value. Your loan must actually close. Offer will be a credit to your final closing costs at the closing of your loan. The competing pre-approval must be for the same loan type (FHA to FHA for example). A pre-approval is not a guaranteed loan offer, and not any sort of commitment to lend. All initial pre-approvals are subject to full underwriting review. Maximum appraisal credit is $450, regardless of actual appraisal cost. Most appraisal are $400 - $450 dollars. Valid for purchase or refinance transactions. Not available on down payment assistance loans. This offer value with the Joe Metzler Team of Cambria Mortgage ONLY.