Joe Metzler

Mortgage Consultant NMLS# 274132

With over 25-years lending experience, and multiple awards from his peers, Joe is committed to making your mortgage experience the very best it can be. Peace of mind, trust, dependability, and integrity are just a few of the words that come to his clients’ minds when they work with Joe. His vast industry knowledge often identifies issues up-front, avoiding catastrophes later on.  Combine that with smooth, consistent and transparent communication between all parties involved results in smooth, stress free and on time closings.

  • 2022 – Super Mortgage Professional™
    (Twin City Business Magazine)
  • 2021 – Super Mortgage Professional™
    (Twin City Business Magazine)
  • 2020 – Super Mortgage Professional™
    (Twin City Business Magazine)
  • 2019 – Super Mortgage Professional™
    (Twin City Business Magazine)
  • 2018 – Top 300 Loan Officer in the Nations
    (National Mortgage News)
  • 2018 – Super Mortgage Professional™
    (Twin City Business Magazine)
  • 2016 – Top 300 Loan Officer in the Nation
    (National Mortgage News)
  • 2015 – Top 100 Loan Officer in the Nation
    (Origination News)
  • 2014 – Minnesota Mortgage Association Loan Officer of the Year
  • 2011 – Top 40 Most Influential Loan Officer in the Nation
  • 2010 – Top 150 Loan Officers in the Nation
    (Origination News)

Joe is a lifelong resident of the Twin Cities area and a 1998 Graduate of the Residential Mortgage Lending School.

With dozens of competing lenders and mortgage programs to choose from in an industry that depends on quality and service, Joe can’t afford to make mistakes and still continue to be strong and effective. His single most distinguishing feature is the consistent level of professionalism and thorough service given to his clients, builders, real estate agents, and investors. Once you meet Joe, it’s easy to see why he is a successful loan officer. His track record is exceptional by any standard. Personally, Joe is just as impressive: confident, organized, friendly, and helpful. He exudes a professional and personal style that is hard to resist.

Having helped realtors and builders successfully close many transactions, knowledgeable, and dedicated, Joe believes in doing the job right the first time. He has an answer for even the most complicated situation. He firmly believes in people, community, and home ownership. Joe and his team are committed to providing outstanding service… Service you can depend on!

Whether you are buying your first home or your dream home, refinancing, or a debt consolidations loan, Joe has seen your situation before, and HE CAN HELP!


Hi Joe and Eric,

I just wanted to say THANK YOU for making my home buying experience a great and flawless one! I know my case was not an easy one and I wouldn’t have made it without all your hard work and efforts. Thank you for believing in me and guiding me throughout.   Both the seller and my Realtor spoke highly of your work. I will definitely be sending referrals your way, and I am sure my realtor will be too. Again, thank you so much for all your hard work!!!


Mary Ann Vang

Get the Cambria Mortgage Mobile App!


Office 651-552-3681
Mobile 651-705-6261
Fax 651-994-6425
West St. Paul Office
33 Wentworth Ave East, Suite 290, West St. Paul, MN 55118