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

  • Testimonials

  • Joe and Eric were a real pleasure to work with. "Down to earth" conversations, patience in the process, and detailed information are just a few of their qualities. As a veteran, I greatly appreciate how they made the VA loan process painless. Thank-you. If you are looking for a honest loan processing experience, here it is.
    - Robert R., Zumbrota, MN (Oct 2021 - Refinance) ★★ ★ ★ ★

    Joe and Eric, Again, we are forever grateful for your service, time, expertise, coaching, and everything you did for our family. I cannot say this enough and I am excited to share our experiences with other military veterans. This is not goodbye, but I wanted to send our gratitude subsequent to the perfected closings x 2 this past Friday.
    - Jasper B,, Edina, MN (Oct 2021 - Purchase)

    Thank you ! to you and Eric. We have been busy getting the kids in the place and finally are done. You guys made the process painless for us and we appreciate it
    Have a good day
    - Jason B., Duluth, MN (Oct 2021 - Purchase) ★★ ★ ★ ★

    I started my loan with one of those 'no fee" internet lenders because it sounded so good. As the loan progressed, my radar went off. I was referred to Joe Metzler, who showed me exactly how a no fee mortgage, and a regular fee mortgage worked. He presented a spreadsheet showing me the differences. No pressure. No games. I could pick either one. It was very eye opening, and ultimately I bought my new home with a loan from Cambria Mortgage.
    - Jason M. Minneapolis, MN (July 2021 - Purchase) ★★ ★ ★ ★

    I'm a repeat customer with Joe because he's reliable, knowledgeable, and has all the tools. Even when I think my loan doesn't "fit in the box", he shows me that it actually does.
    - Peter S. Farmington, MN (July 2021 - Refinance) ★★ ★ ★ ★

    I highly recommend Joe and his team! Joe explained all the different options and made the process painless and easy. Very knowledgeable and exceptional communication.
    - April P. Winsted, MN (May 2021 - Refinance) ★★ ★ ★ ★

    I highly recommend Joe and his team. We had a great experience with them and the entire mortgage process went smoothly from start to finish.
    - John R, Woodbury, MN (May 2021 - Purchase) ★★ ★ ★ ★

    This is our second time working with Joe and I can’t say enough about the smooth process. Joe provided straight forward answers to all our questions and found us the best rate. I wouldn’t hesitate to recommend him to anyone looking to purchase or refinance a mortgage!!
    - John L, Burnsville, MN (March 2021 - Refinance) ★★ ★ ★ ★

    Joe & Eric Metzler and Cambria Mortgage were extremely helpful and guided us smoothly through the process of refinancing our home loan. The communication was outstanding, not to mention very friendly. We knew what to expect and when. Fantastic! Thank you to everyone!
    - Kathleen and Steven R. Chaska, MN (Dec 2020) ★★ ★ ★ ★

    I started the process with Wells Fargo cause that's who we were currently mortgaged with. After 2 months of submitting docs., some of them expired due to the length of time it was taking for them to process, so I was to submit them again. I thought this was unreasonable. A friend passed along Joe's info and we got the process started with him. Ended up to be the best thing I did. Joe was .375 percentage lower that what Wells offered in the beginning, way less docs to submit, and closed on the loan in less than 40 days. I wouldn't hesitate to use Joe again for other needs as well as refer him to a friend.
    - Brian B, Rush City, MN (Oct 2020) ★★ ★ ★ ★

    I would highly recommend Joe and his team to anyone seeking a mortgage loan. Very competitive rates and closing costs. More importantly, very clear and upfront about loan rates and closing costs from the outset. Very knowledgeable about mortgage business, as well as friendly and attentive to their customers. Overall a great experience!
    - Matt S, Minneapolis, MN (Oct 2020) ★★ ★ ★ ★

    Best Mortgage experience ever. Joe is a kind of person who have the complete knowledge about the industry and always provides you the updates in a timely manner. He educated me in a lot of stuff related to refinance and very transparent and provides you the latest info about the market and the mortgage. I would highly recommend him when you are looking for mortgage or refinance. Loved the overall process and updates along the way to closing my refinance.
    - D.B.S. Apple Valley, MN (Sept 2020) ★★ ★ ★ ★

    "As a first time homebuyer, Joe spent a large amount of time making sure I understood the process and answered any questions I had, clearly and promptly. The rest of the team was quick to respond to any questions I had as well. Overall, they made a daunting process for a first timer painless. I feel as though I knew what to expect along the way thanks to how clearly everything was explained to me. Amazing service. I highly recommend Joe and his team!
    - Samantha S. Apple Valley, MN (Aug 2020) ★★ ★ ★ ★

    Joe made the entire experience very straightforward. The numerous questions I had were always answered forthrightly and expertly with a very clear skill and expertise underlying the answers. He simplified the process to the point where I had complete peace of mind going into the largest financial transaction of my life - for which I am immeasurably grateful.
    - Joe G., Rosemount, MN (May 2020) ★★ ★ ★ ★

    Working with Joe and Eric on our home refinancing was as easy and smooth an experience as possible. They were very communicative and were there to guide us every step of the way.
    - Matt and Amy E., Maple Grove, MN (Nov 2019) ★ ★ ★ ★ ★

    The help was above and beyond what I could ever wish for, they made the experience of buying a house fun and a walk in the park! Very professional in knowing what they were doing and how to work any bumps in the road out! Hassle free! I'm really glad I went with them!
    - Carter B, Wisconsin (Oct 2019) ★ ★ ★ ★ ★

    Joe's done multiple mortgages for me, and while I research my options each time, Joe ALWAYS delivers. Thanks Joe for another seamless transaction.
    - Jeff K. Stillwater, MN (Sept 2019) ★ ★ ★ ★ ★

    Second time going through Joe for mortgage. Smooth as silk and got the quick close that we needed done. Highly recommended!
    - Eric P, St Paul, MN (Sept 2019) ★ ★ ★ ★ ★

    In the beginning I didn't even know what to ask, now I can't stop asking. I have learned so much. Thank you for your time and great wisdom. Now we're enjoying the gift of a new home. Blessings to you, your son and your wonderful staff. Wishing your business a long and successful life.
    - Naomi N. Minnesota (July 2019)

    Joe was a great source of information and I felt very comfortable talking to him. He kept me up to date on my loan and the status on the house I was purchasing.
    - Chris H. Oakdale, MN. (Sept 2018)

    Hi Joe, Just wanted to thank you again for doing such a great job on our loan from beginning to end. There is no one better. The closing went well. We will definitely always recommend your company.
    - Sheila and Butch V., Wisconsin (Sept 2018)

    Hey Joe!! Just wanted to let you know we are all moved in. Thanks to you and Eric the closing went smooth. Thank you so much for all the advice and answering all my questions. You guys do an amazing job!! I would recommend you to anyone who wants to buy a home. You made it so easy and stress free!! Thanks again!! We are so happy in our new home!!--
    - Tom and Sheila T., Marshall, MN (Sept 2018)

    Joe and Eric were great to deal with. Joe's a straight-shooter and I appreciate that. He's very knowledgeable and will do what he can to make sure everything stays on track. Both Joe and Eric are in constant communication which helps speed up the process and makes it far less stressful than it could be if dealing with a "traditional" lending institution. They won't steer you wrong!.
    - Kevin Campbell, St Paul Minnesota (August 2018)

    Joe and his team did a wonderful job orchestrating a very complicated closing for us. Due to a probate of the sale it took us longer than usual but his team stuck it out and helped us maintain a low interest rate in spite of the delay.
    - John S, Rural Minnesota (June 2018)

    Amazing experience with Joe! The whole process went smoothly and all our financing was in place well before the date of closing. We were kept in the loop and updated throughout the whole process. We love our new home! Highly recommend Joe Metzler! Thank you for being so very very helpful! We are happy home owners thatnks to you and your staff. Above and beyond service, highly recommended.
    - Tricia K, Rush City, MN (May 2018)

    Excellent Service. Put everything into terms I understood. Great company.
    - Kaity B, Little Falls, MN (May 2018)

    Thank you for being so very very helpful! We are happy home owners thatnks to you and your staff. Above and beyond service, highly recommended.
    - Christine R, Aberdeen, South Dakota (October 2017)

  • Joe and Eric were a real pleasure to work with. "Down to earth" conversations, patience in the process, and detailed information are just a few of their qualities. As a veteran, I greatly appreciate how they made the VA loan process painless. Thank-you. If you are looking for a honest loan processing experience, here it is.
    - Robert R., Zumbrota, MN (Oct 2021 - Refinance) ★★ ★ ★ ★

    Joe and Eric, Again, we are forever grateful for your service, time, expertise, coaching, and everything you did for our family. I cannot say this enough and I am excited to share our experiences with other military veterans. This is not goodbye, but I wanted to send our gratitude subsequent to the perfected closings x 2 this past Friday.
    - Jasper B,, Edina, MN (Oct 2021 - Purchase)

    Thank you ! to you and Eric. We have been busy getting the kids in the place and finally are done. You guys made the process painless for us and we appreciate it
    Have a good day
    - Jason B., Duluth, MN (Oct 2021 - Purchase) ★★ ★ ★ ★

    I started my loan with one of those 'no fee" internet lenders because it sounded so good. As the loan progressed, my radar went off. I was referred to Joe Metzler, who showed me exactly how a no fee mortgage, and a regular fee mortgage worked. He presented a spreadsheet showing me the differences. No pressure. No games. I could pick either one. It was very eye opening, and ultimately I bought my new home with a loan from Cambria Mortgage.
    - Jason M. Minneapolis, MN (July 2021 - Purchase) ★★ ★ ★ ★

    I'm a repeat customer with Joe because he's reliable, knowledgeable, and has all the tools. Even when I think my loan doesn't "fit in the box", he shows me that it actually does.
    - Peter S. Farmington, MN (July 2021 - Refinance) ★★ ★ ★ ★

    I highly recommend Joe and his team! Joe explained all the different options and made the process painless and easy. Very knowledgeable and exceptional communication.
    - April P. Winsted, MN (May 2021 - Refinance) ★★ ★ ★ ★

    I highly recommend Joe and his team. We had a great experience with them and the entire mortgage process went smoothly from start to finish.
    - John R, Woodbury, MN (May 2021 - Purchase) ★★ ★ ★ ★

    This is our second time working with Joe and I can’t say enough about the smooth process. Joe provided straight forward answers to all our questions and found us the best rate. I wouldn’t hesitate to recommend him to anyone looking to purchase or refinance a mortgage!!
    - John L, Burnsville, MN (March 2021 - Refinance) ★★ ★ ★ ★

    Joe & Eric Metzler and Cambria Mortgage were extremely helpful and guided us smoothly through the process of refinancing our home loan. The communication was outstanding, not to mention very friendly. We knew what to expect and when. Fantastic! Thank you to everyone!
    - Kathleen and Steven R. Chaska, MN (Dec 2020) ★★ ★ ★ ★

    I started the process with Wells Fargo cause that's who we were currently mortgaged with. After 2 months of submitting docs., some of them expired due to the length of time it was taking for them to process, so I was to submit them again. I thought this was unreasonable. A friend passed along Joe's info and we got the process started with him. Ended up to be the best thing I did. Joe was .375 percentage lower that what Wells offered in the beginning, way less docs to submit, and closed on the loan in less than 40 days. I wouldn't hesitate to use Joe again for other needs as well as refer him to a friend.
    - Brian B, Rush City, MN (Oct 2020) ★★ ★ ★ ★

    I would highly recommend Joe and his team to anyone seeking a mortgage loan. Very competitive rates and closing costs. More importantly, very clear and upfront about loan rates and closing costs from the outset. Very knowledgeable about mortgage business, as well as friendly and attentive to their customers. Overall a great experience!
    - Matt S, Minneapolis, MN (Oct 2020) ★★ ★ ★ ★

    Best Mortgage experience ever. Joe is a kind of person who have the complete knowledge about the industry and always provides you the updates in a timely manner. He educated me in a lot of stuff related to refinance and very transparent and provides you the latest info about the market and the mortgage. I would highly recommend him when you are looking for mortgage or refinance. Loved the overall process and updates along the way to closing my refinance.
    - D.B.S. Apple Valley, MN (Sept 2020) ★★ ★ ★ ★

    "As a first time homebuyer, Joe spent a large amount of time making sure I understood the process and answered any questions I had, clearly and promptly. The rest of the team was quick to respond to any questions I had as well. Overall, they made a daunting process for a first timer painless. I feel as though I knew what to expect along the way thanks to how clearly everything was explained to me. Amazing service. I highly recommend Joe and his team!
    - Samantha S. Apple Valley, MN (Aug 2020) ★★ ★ ★ ★

    Joe made the entire experience very straightforward. The numerous questions I had were always answered forthrightly and expertly with a very clear skill and expertise underlying the answers. He simplified the process to the point where I had complete peace of mind going into the largest financial transaction of my life - for which I am immeasurably grateful.
    - Joe G., Rosemount, MN (May 2020) ★★ ★ ★ ★

    Working with Joe and Eric on our home refinancing was as easy and smooth an experience as possible. They were very communicative and were there to guide us every step of the way.
    - Matt and Amy E., Maple Grove, MN (Nov 2019) ★ ★ ★ ★ ★

    The help was above and beyond what I could ever wish for, they made the experience of buying a house fun and a walk in the park! Very professional in knowing what they were doing and how to work any bumps in the road out! Hassle free! I'm really glad I went with them!
    - Carter B, Wisconsin (Oct 2019) ★ ★ ★ ★ ★

    Joe's done multiple mortgages for me, and while I research my options each time, Joe ALWAYS delivers. Thanks Joe for another seamless transaction.
    - Jeff K. Stillwater, MN (Sept 2019) ★ ★ ★ ★ ★

    Second time going through Joe for mortgage. Smooth as silk and got the quick close that we needed done. Highly recommended!
    - Eric P, St Paul, MN (Sept 2019) ★ ★ ★ ★ ★

    In the beginning I didn't even know what to ask, now I can't stop asking. I have learned so much. Thank you for your time and great wisdom. Now we're enjoying the gift of a new home. Blessings to you, your son and your wonderful staff. Wishing your business a long and successful life.
    - Naomi N. Minnesota (July 2019)

    Joe was a great source of information and I felt very comfortable talking to him. He kept me up to date on my loan and the status on the house I was purchasing.
    - Chris H. Oakdale, MN. (Sept 2018)

    Hi Joe, Just wanted to thank you again for doing such a great job on our loan from beginning to end. There is no one better. The closing went well. We will definitely always recommend your company.
    - Sheila and Butch V., Wisconsin (Sept 2018)

    Hey Joe!! Just wanted to let you know we are all moved in. Thanks to you and Eric the closing went smooth. Thank you so much for all the advice and answering all my questions. You guys do an amazing job!! I would recommend you to anyone who wants to buy a home. You made it so easy and stress free!! Thanks again!! We are so happy in our new home!!--
    - Tom and Sheila T., Marshall, MN (Sept 2018)

    Joe and Eric were great to deal with. Joe's a straight-shooter and I appreciate that. He's very knowledgeable and will do what he can to make sure everything stays on track. Both Joe and Eric are in constant communication which helps speed up the process and makes it far less stressful than it could be if dealing with a "traditional" lending institution. They won't steer you wrong!.
    - Kevin Campbell, St Paul Minnesota (August 2018)

    Joe and his team did a wonderful job orchestrating a very complicated closing for us. Due to a probate of the sale it took us longer than usual but his team stuck it out and helped us maintain a low interest rate in spite of the delay.
    - John S, Rural Minnesota (June 2018)

    Amazing experience with Joe! The whole process went smoothly and all our financing was in place well before the date of closing. We were kept in the loop and updated throughout the whole process. We love our new home! Highly recommend Joe Metzler!Thank you for being so very very helpful! We are happy home owners thatnks to you and your staff. Above and beyond service, highly recommended.
    - Tricia K, Rush City, MN (May 2018)