• Tel: (651) 552-3681 
    Joe.Metzler@CambriaMortgage.com

    Serving all of Minnesota and Wisconsin
    NMLS 274132

  • All of our southern MN, Rochester MN, and La Crosse Wi area home mortgage loans are designed to fit your specific needs and credit situation. Therefore it is hard to quote one rate online that would apply to everyone.  We have developed [...]

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    Free estimate of interest rate and closing costs when refinancing your home.In accordance with The Privacy of Consumer Financial Information Act, we understands that any information given by the customer for mortgage purposes will be used [...]

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    Free estimate of interest rate and closing costs when buying a home.In accordance with The Privacy of Consumer Financial Information Act, we understands that any information given by the customer for mortgage purposes will be used only for [...]

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    Mortgage Rates Rochester MN Area Mortgage interest rates displayed below are current national averages for a best case customer obtained from a third-party. This is not your guaranteed rate. Your actual rate may vary based on many factors and may be[...]

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    All mortgage loans have closing costs. Appraisal, credit report, state taxes, country recording fees, lender costs, title company costs, your first years home owners insurance, and even pre-rated property taxes. These closing costs have to be paid by[...]

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    Mortgage loans are notoriously paperwork intensive. W2's, pay stubs, tax returns, bank statements, and more. Your important information security is very important to us, so please use one of the secure document systems below.  As an alternative,[...]

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    When getting a home loan in the Rochester MN area, you will have to complete a loan application AND back up the information on the application with supporting documentation. All applicants need to provide the lender: Photo ID Last 30-days of pay [...]

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    Home mortgage loans fall into two categories, a QM, or Qualified Mortgage, or a Non-QM, or non-qualified mortgage. Qualified Mortgage Qualified mortgages fit into the strict government ATR Guidelines, which means 'Ability-to-Repay' the loan. These [...]

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    Answer a few questions, and we can start determining the right Rochester MN area mortgage loan for you. [mortgage_application_form]

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    "Who needs paid endorsers when customers say nice things about you for free!" - Joe Metzler "Satisfied clients don't come easy. It requires knowledge, commitment, and dedication, combined with excellent rates and costs" - Joe MetzlerI [...]

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