Get ready to own your dream home with the Joe Metzler team at Cambria Mortgage! We’re pumped to offer killer home loans for buying or refinancing 1 to 4-unit properties. As a direct lender, we’ve got the full lineup: FHA, VA, USDA, bank statement, no-income-doc investment loans, plus first-time buyer and down payment assistance programs that’ll make your head spin! Leading the charge is Joe Metzler, St. Paul’s Branch Manager and a mortgage rockstar with over 25 years of experience. This multi-award-winning Loan Officer, including the NAMB 2024 Mortgage Broker of the Year, knows how to make things happen! “Today’s mortgage market is wild, and those faceless clerks at big banks or online lenders just can’t keep up. Mortgages aren’t cookie-cutter, and I thrive on finding the perfect loan for your unique financial vibe. Your home is your biggest investment—why let it be a stressful, confusing mess? I’ve got your back every step of the way. From straightforward deals to complex cases, my expertise shines.