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Joe Metzler, Sr Loan Officer (Cambria Mortgage) Mortgage and Lending



Joe Metzler
Sr Loan Officer
location_on Saint Paul, MN — Cambria Mortgage
NMLS 274132
Get to Know Joe Metzler

My unique advantage is that I have been in the home loan business over 25-years. Experience is everything in this industry, and as a top 1% Loan Officer in the country, I have the experience of all facets of mortgage lending to help you to the closing table.

I can tell you that getting a home loan approved and closed IS CHALLENGING in today's market, and LOW LEVEL application clerks at the big banks and large internet lenders fall very short. You need the right person on your team.

I understand that mortgages are not a one-size-fits-all business, and I take pride in understanding my client's financial scenario and identifying the loan that best suits their needs.  I know what happens at each step of the home loan process and why. Your home is the single largest item you will ever finance and the process shouldn’t have to be so hard, confusing, or scary and you shouldn’t have to do it alone. 

With an expertise in all aspects of home mortgages, I can cater to both simple and challenging scenarios. I often assume files that others can't figure out how to get approved, primarily due to lack of experience.

Easy or hard, I appreciate the opportunity to assist you in making your home ownership dreams become reality. I am your partner from start to finish. So what sets me apart from everybody else? Communication, Responsiveness, Accuracy, Turnaround and most importantly…….. Close on Time, Every Time!!!" 

- Joe Metzler

Experience and Education Matter
Joe Metzler is a nationally known mortgage expert, with over 25-years lending experience. He has personally closed thousands of mortgage transactions equaling well over $750 million dollars in closed loans. Locally, Joe has been named the Minnesota Mortgage Associations coveted State of Minnesota 2014 Loan Officer of the Year, and has been recognized nationally will multiple year awards as a Top 300 in the nation Loan Officer.

He has written many articles on mortgage loans for numerous industry publications and web sites. Joe has also taught classes for Loan Officers, Realtors, and first time home buyers.  Joe has appeared on multiple radio stations, TV stations, and articles as the mortgage expert. With each customer's desires and goals his top priority, Joe Metzler is ready to assist with all your financing needs!

Joe started out as a Loan Officer at a small broker shop in the 1990's, then moved to Mortgages Unlimited in 2000. Quickly becoming a top rated Loan Officer for them for just under 19-years, until June 2019. At which time he made the switch to Cambria Mortgage to better serve his clients.

Cambria Mortgage, is a locally owned and operated mortgage company based in Minnesota , and brought to you by the same family that brings you the industry-leading Cambria Countertops. Together we are unified to our commitment to providing all of our customers with the highest levels of quality and service in everything we do. Joe is licensed in, and serves home owners in all of MN, WI, IA, ND, SD, CO, and FL.

Did you know around 70% of Loan Officers are not licensed? Yikes. As a licensed mortgage professional, not only will I just take the application and process your file, but I will show you all your different options. You tell me what you really want, and then I will advise you on what I think is best based on your needs and financial goals. I'm proud to provide solutions to each of my customers, no matter what their financing needs!

2023, 2022, 2021, 2020, 2019, 2018 - Super Mortgage Professionals™ (Twin Cities Business Magazine)
2021 - Best Mortgage Company in St Paul, MN
2020 - Best Mortgage Company in St Paul, MN 
2018 - Top 300 Loan Officer in the nation (National Mortgage News)
2016 - Top 300 Loan Officer in the Nation (National Mortgage News)
2015 - Top 100 Loan Officer in the Nation (National Mortgage News)
2014 - Minnesota Loan Officer of the Year (Minnesota Mortgage Association)
2011 - 40 Most Influential Mortgage Professionals to Watch (NMPM)
2010 - Top 150 Loan Officer in the Nation based on Dollar Volume (Origination News)

We look forward to adding YOU to our long list of satisfied customer.

Real Estate Agents need great Loan Officer partners


Certified Minnesota Mortgage Specialist (MMS)

As a Minnesota based Direct Mortgage Lender, our combination of loan programs, rates, and services are unsurpassed in the marketplace. 

My team and I have the ability to give you the personalized home mortgage loan experience you expect.

Purchase a home in MN, WI, IA, ND, SD, CO, or FL? First Time Home buyer programs, down payment assistance. HomeReady or Home Possible Lender, umbo Loans, conventional financing, Non-QM, bank statement loans, asset based programs, self-employed, and FHA Expert - Including FHA Streamline refinance, and 203k loans.  Official MHFA provider (Minnesota Housing Finance Agency) State Bond first-time home buyer assistance program,  VA Loans - Zero down for military vets Zero down payment loans,  Zero Down USDA Rural Housing / Rural Development Loans

I personally love to deal with First time home buyers. The joy of seeing the smile from ear to ear when they are handed the keys to their new home is extremely rewarding.

FHA EXPERTS: Recent lending guidelines have many small brokers and Loan Officers just now getting HUD approval to provide FHA loans. With all these rookies jumping on the FHA loan bandwagon, you must be careful. Don't let some inexperienced or Internet lender practices FHA with your loan. We are True FHA Experts


2023, 2022, 2021, 2020, 2019, 2018 - Super Mortgage Professional (Twin Cities Business Magazine)

2018 Top 300 Loan Officer in the Nation (National Mortgage News)

2016 Top 300 Loan Officer in the Nation (National Mortgage News)

2015 Top 100 Loan Officer in the Nation (Origination News)

2014 Minnesota Loan Officer of the Year (Minnesota Mortgage Association)

2011 Top 40 Mortgage Professionals (NMPM)

2010 Top 150 Loans Officer in the Nation based on dollar volume (Origination News)


Every Loan Officer can get the easy loans approved, but a rare few can tackle the difficult ones.

Jason M
I started my loan with one of those 'no fee" internet lenders because it sounded so good. As the loan progressed, my radar went off. I was referred to Joe Metzler, who showed me exactly how a no fee mortgage, and a regular fee mortgage worked. He presented a spreadsheet showing me the differences. No pressure. No games. I could pick either one. It was very eye opening, and ultimately I bought my new home with a loan from Cambria Mortgage. - Jason M. Minneapolis, MN (July 2021 - Purchase) ★★ ★ ★ ★
Ronda H
After losing my home and forced into bankruptcy after a divorce, the dream of ever owning a home again seemed unattainable; that is until I made a call to Joe. I knew after my first conversation with him that this man was experienced, knowledgeable, genuine, honest, and a straight shooter. He assured me that my situation was not hopeless as I had thought, but qualifying me for a mortgage was not going to be easy.I followed his advise and a few months later we began the loan application process. To my surprise, I qualified! Joe, Eric and his team were very clear about what documentation they needed and it was all sent to the office electronically which saved a lot of time. I had a ton of questions and they responded to all of my emails and calls (no matter how silly) in a timely manner. Joe, Eric, and his team kept me informed of the progress through the entire process.I was notified by my realtor two days before closing that the title company I was using refused to close my loan. I was absolutely devastated! I don't know what Joe did or said, but he because of him, the closing happened as scheduled.Joe's service doesn't stop after closing. I've been in my home now for nearly 2 months and still call/email with questions. As always, he responds quickly with exactly what I need to know. I will forever be grateful to Joe for everything he did for me to make my dream of owning a home a reality. I'm also grateful to my friend for referring me to Joe. I will return that favor and refer him to everyone I know looking for a lender. He truly is the best!
Pam W
I could not have been more impressed with my Loan Officer, Joe Metzler. He really knows the mortgage business, and was very helpful in answering my 10,000 questions. As a first time home buyer, he really made me feel comfortable. Even my realtor said she was impressed and is going to start referring people to Joe. Thank you again, I LOVE my new home!
Jeremy M.
I wanted to thank you for how smooth everything went. I can't tell you how much we appreciate your company and the work you did for us. From the advice to the process, we are thankful. We are so impressed with you guys. I would absolutely send anyone I know your way (just my conservative friends). Thank you again we are very excited about our new house.
Mary A Vang
I just wanted to say THANK YOU for making my home buying experience a great and flawless one! I know my case was not an easy one and I wouldn't have made it without all your hard work and efforts. Thank you for believing in me and guiding me throughout. Both the seller and my realtor spoke highly of your work. I will definitely be sending referrals your way, and I am sure my realtor will be too. Again, thank you so much for all your hard work!!! Sincerely, Mary Ann Vang

Top rated nationally, year after year after year... This is because clients agree - great interest rates and amazing service sets us apart from the big banks and out state internet lenders.