Minnesota Mortgage Blog - Mortgage and Real Estate News You Can Use

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Mortgage and Lending - Cambria Mortgage - NMLS 274132
Mortgage industry news and insights from a 15+ year industry expert. Mortgage and Real Estate News You Can Use
Real Estate Supply and Demand.Minneapolis, MN: The current inventory of homes for sale remains at low levels, yet with higher interest rates and economic uncertainty, demand and price growth has slowed, but has not stopped. BASIC MARKET FORCES AT WORKBuyers previously stuck in bidding wars over a...
See your credit risk based on your credit scoreMinneapolis, MN: We all have credit scores, but do you know what your credit score tells creditors? It tells us your credit risk, and likelihood of the money not being paid back. Of course a high credit score is no guarantee of being paid back, just ...
Are you breaking the law? Minneapolis, MN:  As a real estate agent, you do a lot of things. From finding homes, showing homes, negotiating homes, and writing contracts. Without fail, one of those things pretty common in your daily life is getting questions about mortgage programs, and interest ra...
Minneapolis, MN. Real estate is ever changing.  Here are some things home buyers need to know as we enter the spring 2023 buying season.--- Cambria Mortgage, the Joe Metzler Team lends in MN, WI, IA, ND, SD. APPLY ONLINE Equal Housing Lender. NMLS 274132, 322798.  lends in the following states: M...
Think Home Loan Approval is Impossible?Minneapolis, MN: Do you believe getting a home loan is impossible? Maybe when pigs fly?Have you been waiting while saving for a down payment, only to see mortgage interest rates and home prices rise faster than you can save?Challenges can exist for a lot of ...
2023 Housing & Mortgage Market PredictionsMinneapolis, MN: Wow, what a ride the past three years have been.  From super low mortgage interest rates, crazy one day way over asking price multiple offers, to 40-year high inflation, highest mortgage rates in decades, and a bludgeoned housing market.T...
Thinking about buying a home today and not liking current mortgage interest rates? Buying a home at today's higher mortgage interest rates is still cheaper in many cases than overpaying during the bidding wars of 2020 and 2021 when there were lower interest rates. Cambria Mortgage, the Joe Metzl...
Temporary Interest Rate BuydownsMinneapolis, MN: For those who are looking to purchase a home in the near future, it's inevitable that you've begun to worry about the rising mortgage interest rates, and how that may affect your home buying journey.Fortunately, Cambria Mortgage offers home loan op...
Mortgage interest rates. Float or Lock? Minneapolis, MN: Under contract to buy a house, or looking to buy a house? In today's interest rate environment, should you lock or float the loans interest rate? What is lock or float, and what is a float down option? Here Joe Metzler, Senior Loan Officer...
The 2-1 buydown, facts and fiction. Minneapolis, MN: They say if you live long enough, you see everything come back around, and that is very true for the 2-1 buydown mortgage loan option that has magically reappeared on the market the past few months.Simply put, a 2-1 buydown is a temporary subse...

Joe Metzler

Sr Loan Officer
smartphone(651) 705-6261
local_phone(651) 552-3681
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Mortgage industry news and insights from a 15+ year industry expert. Mortgage are Real Estate News You Can Use. Joe is a Certified Minnesota Mortgage Specialist, who provides home mortgage loans not only in the Minneapolis, St Paul area, but all of Minnesota and Wisconsin.