First, understand all lenders have essentially the same interest rates and closing costs.

So what really separates lenders?

Knowledge, experience, and customer satisfaction. We remember what it is like getting a home loan. We know the stress, and confusion.  Our goal is simple. To provide you with a process that is simple, stress free, and with no surprises at closing.

The success of your loan application is 10% the company you choose, and 90% the Loan Officer you choose. All our Loan Officers are fully licensed, tested, and vetted by the government with background checks. That is impressive, considering a whopping 80% of Loan Officers are simply registered Loan Officers, not actually licensed.

OUR 5 STAR SATISFACTION PROMISE

GREAT INTEREST RATES: We do not have the big bank or big internet lender overhead. All their advertising costs a lot of money, and you pay for it.  Without all this overhead, we are able to pass on to you the lowest real interest rates in the market.

AMAZING CUSTOMER SERVICE: Our entire staff is held to the highest possible standards in the industry, ensuring each and every homeowner receives top-notch customer service. We only employ fully Licensed Loan Officers, and keep you informed throughout the process.

MANY LOAN OPTIONS: Each and every homeowner has a unique situation. How long do you expect to stay in the home? Is your credit good or bad? Questions like these allow us to determine the right loan for you, and by having a large selection of available programs we're sure to satisfy your needs, including conventional, Jumbo, FHA, VA, USDA Rural Development, and more.

PRIVACY AND SECURITY: We are committed to protecting your personal information and identity. All documentation is secured under lock and key in compliance with the all State and Federal Laws. All important documents are via secure encryption, and all papers requiring destruction are securely shredded in a timely manner.

FIVE  YEAR REFINANCE GUARANTEE: When you obtain your mortgage loan from The Joe Metzler Team at Cambria Mortgage, if you should decide to refinance the loan in the next 5 years, we will offer to refinance your existing loan with absolutely NO LENDER FEES. (3rd party fees, like appraisal, title, and escrows will still apply). There's no fine print, other than you must make at least your first 6 payments on the initial loan.

It's as simple as that, and only valid with The Joe Metzler Team only.