VA Home Loan Lender in MN, SD, and WI
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Take Advantage of your VA Benefits with a VA Home Loans for our military personal in Minnesota, Wisconsin, and South Dakota

Why get a VA Loan?

It's simple ... Lower Rates. Lower Payments. Zero Down Payment and NO mortgage insurance!

We are here to provide our active or military veterans and their families with affordable VA Loan housing. We are your LOCAL top source for VA loans. We are not some out-state person on an 800 phone number.  We know, and understand local VA loan, rules, and guidelines.

The country appreciates your service. This is one way we pay you back. Take advantage of your VA benefits - we can help.



Purchase with NO Down Payment

A VA Loan still allows a active or veterans to buy a home with Zero DOWN and finance 100% of the home's purchase price up to $417,000. Now more than ever, banks are requiring larger down payments for conventional loans with more expensive mortgage insurance. In many cases they require at least 5% down, putting home ownership out of reach for many prospective buyers.

VA loans have NO Mortgage Insurance = Lower Monthly Payments

A VA Loan offers a HUGE savings benefit. They do NOT require monthly PMI, or private mortgage insurance. PMI is an added monthly expense required for conventional and FHA loans where the borrower finances more than 80% of the home's value.

Interest rates are also typically lower with a VA Loan, than a conventional loan. A lower rate combined with monthly PMI savings can substantially lower your monthly payment.

Getting Qualified is Easier

The qualification guidelines are less stringent for VA Loans. Because the loan is backed by the government, lenders don't need to meet strict lending rules.

Click here to apply for your Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, or Florida VA LOAN.

VA Home Loan Application

VA Home Mortgage Loan Advantages vs Other Mortgage Loan Options


If you have an existing VA home loan, you can refinance to a lower interest rate and payment.  No appraisal required in most cases. The documentation required is "streamlined" or reduced for easier qualifying.

Apply for you VA loans in MN, WI, IA, ND, SD or FL - APPLY Online right now - Our application is Optimized for your mobile device
Cambria Mortgage - St Paul Office
33 Wentworth Ave E, Suite 290
Saint Paul, MN 55118
Office (651) 552-3681    Fax (651) 994-6425

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33 Wentworth Ave E - St Paul, MN 55118 - NMLS 274132
Equal Housing Lender 1998 - 2024 - Joe Metzler for Cambria Mortgage

License Information
Cambria Mortgage. Nationwide Mortgage Licensing System and Registry (NMLS) # 322798 Saint Paul Branch - NMLS # 387944. Joe Metzler, Licensed Mortgage Loan Originator NMLS #  274132. Minnesota Lic #: MN-MLO-274132. Wisconsin Lic #: 11418. South Dakota Lic # MLO.03095