• Tel: (651) 552-3681
    Email: joe@twincityhomeloans.com

  • We will find the right mortgage for you

    With a full suite of loan programs, we can find the right program for you. Conventional, FHA loans, VA Loan, USDA loan, jumbo, new construction, first time home buyers, down payment assistance, bank statement programs, and more.

    Competitive rates on all loan programs

    The main difference between lenders and their interest rates is overhead. The more overhead, like all day everyday advertising is pass on to YOU! Without all that expense, we are able to offer extremely competitive rates on all our programs.

    Support from application to closing

    We understand you don't do this everyday - So we are available 7-days a week to answer your questions, provide guidance, and calm your fears. You can also check your loan status 24/7 with our state-of-the art SmartPhone app.

  • Expert Guidance

    With 45-years combined lending experience, Joe and Eric Metzler have the mortgage loan knowledge and experience to your you the right loan, and get it closed on time.

    Make an appointment

  • The Loan Process

    Options to fit your needs. Meet in person, and drop off paperwork, or everything done online with uploads and electronic signatures. Your choice.

    Learn more

  • Home Buyers Guide

    Read our basic guide on the loan process from application to closing. There more you know, the better decision you make!

    Learn more

  • Get Pre-Approved

    A full and proper loan pre-approval is the first step in buying a home. Know what programs you qualify for, how much house you can buy, anticipated payments, and more... No obligations

    Pre-approval applicaton

  • Twin City Home Loans

    Looking for a home loan in the Twin Cities area?

    Let us be your first choice

    When you decide to buy your first home, or refinance a mortgage in Minneapolis, St Paul or throughout the greater Twin Cities area, your search for a perfect home loan should start and end right here.

    With so many Mortgage Companies in the Twin Cities and nationally, you need to find the one you can trust to provide the mortgage loan that is best for you - and that usually isn't the bank or the in-house lender your Real Estate Agents suggests at the Real Estate Agents company. 

    Cambria Mortgage, top rated, and in business since 1991, is committed to providing you with the best and lowest interest rates in Minnesota, Wisconsin, and South Dakota! Our loans are underwritten in Eden Prairie MN, from people who live here, and have a great reputation to uphold. 

    Are you looking for the lowest mortgage interest rates?

    View twin cities mortgage rates instantly online, or opt for a more personalized mortgage interest rate and closing cost quote provided and reviewed by a licensed Loan Officer No SSN required. 

    As a Top Mortgage Company in the Twin Cities, we proudly offer an unprecedented 5 STAR Promise!

    Many mortgage loan programs to choose from

    We offer a offer a broad range of mortgage loans for both a home purchase or refinance with super competitive interest rates and first-rate service.  From all your basic conventional loan programs, to second homes, new construction, and investment properties.

    For our military personal, we offer an amazing VA LOAN in MN, SD, and WI. and even a NO Down Payment loan with the USDA Rural Development loan for rural parts of Wisconsin, South Dakota, and Minnesota.

    Need A Down Payment Assistance Program in MN 

    We offer a loan with a minimum of just $1,000 down payment. Yup - just $1,000 out of your pocket!  The Minnesota Housing Finance Agency Start Up and Step Up down payment assistance programs allows you to get up to $10,000 in down payment and closing cost assistance. and only put down $1,000 - How cool is that?

    Call our first time home buyer down payment assistance experts at (651) 552-3681, or simply fill out the quick online loan application. 

  • Latest Mortgage News

  • Danger of internet lender Pre-approval letters

    March 18, 2019

    Minneapolis, St Paul, MN: We all have heard of the importance of getting mortgage lender Pre-approved for a home loan before shopping for home, But did you know, Real Estate Agents look down on Pre-approval Letters from big national internet lenders, and large banks.? When

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  • Down Payment Assistance

    March 15, 2019

    DOWN PAYMENT ASSISTANCE PROGRAMS MHFA Start Up and Step Up down payment assistance programs in MN for First Time Home Buyers Have $1,000?  Have OK Credit?  Than YOU can be a homeowner. The biggest hurdle for many first time home buyers is the lack of down payment

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