VA Home Loan Lender in MN WI IA SD ND CO FL TX
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Take Advantage of your VA Benefits!
With a VA Home Loans for active or military veterans in Minnesota and Wisconsin

Why get a VA Loan?   

It's simple ... Lower Rates. Lower Payments. $0 Down Payment and NO mortgage insurance!

Thousands of people are using their VA Loan benefit every single month. Let us help you purchase a MN, WI, or SD home with ZERO DOWN payment up to $453,100. Or lower your existing VA home loan with a refinance to today's low interest rates. A small down payment is required if your loan would be over $453,100.


Purchase with Zero Down

ZERO DOWN VA Home LoansA VA Loan still allows a active or veterans to buy a home with Zero DOWN and finance 100% of the home's purchase price. Now more than ever, banks are requiring larger down payments for conventional loans with more expensive mortgage insurance. In many cases they require 10-20% down, putting home ownership out of reach for many prospective buyers.

How much will ZERO DOWN save you? FHA loans require 3.5% down. Conventional loans will require a minimum of 5% down, and in many cases as much as 10% and 20%.

VA loans have NO PMI = 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 loans 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.

VA Home Loan ApplicationVA Purchase loans for Veterans - APPLY Online right now - Optimized for your mobile device

VA Loans require no down payment, and have no mortgage insurance, plus you can roll all your closing costs into the loan. This makes for one heck of a great first-time home buyer deal for military veterans wanting to buy a home! The country appreciates your service. This is one way we pay you back. Today mortgage rates on VA loans are very low, making homes even more affordable.

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.


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 # 1888858. Joe Metzler, Licensed Mortgage Loan Originator NMLS #  274132. Minnesota Lic #: MN-MLO-274132. Wisconsin Lic #: 11418. South Dakota Lic # MLO.03095