For Realtors

A great Real Estate Agent / Loan Officer Relationship is a mutually rewarding two way relationship

We know there is a Loan Officer on every corner, telling you how great their rates are, and promising to help grow your business. As you know, most of those promises fall flat.

We also know it’s scary for you to try a new lender. Please take a moment to read this entire page to see why we are a lot more than empty promises, and worth trying out as your new lender partner.

Finding a Loan Officer who provides top notch personal service to get more people approved and closed quickly without wasting your time is easy if you are looking in the right spot.

The Metzler Team at Cambria Mortgage has the experience that you need. Joe and Eric Metzler bring over 50-years combined experience as a leader in the industry. Joe is a LICENSED MLO (Mortgage Loan Officer – NMLS #274132), Certified Minnesota Mortgage Specialist (MMS), Joe is also a 1998 graduate of the Residential Mortgage Lending School, a member of the National Association of Mortgage Brokers, and the Minnesota Mortgage Association.

Did you know 80% of Loan Officers are NOT Licensed? Make sure you are working with a licensed professional, not just an application taking clerk, or unlicensed bank rep. Learn how to VERIFY a Loan Officer is licensed, not simply “registered”.


In-House Originating, Processing, and Underwriting.

· More qualified leads from us = more income to you · Prompt return of pages and messages

· Weekly updates on all loans in process to all Sales Associates · Automatic computerized “Loan Status Reports” on the customers loan progress

· Point of Sale Approvals via Laptop Computers

· Wide range of loans (Conventional, FHA, VA, USDA, 203k) Plus, community programs like Dakota County First Time Home Buyer, City Living, and MHFA)

– we are NOT limited to the single offerings of one bank, like you get with the typical in-house lender or big bank. We offer the products of multiple institutions nationwide, giving you and your customers the best financing opportunities. We offer the products of multiple institutions nationwide, giving you and your customers the best financing opportunities

· An Entire Team of Professionals Dedicated to Delivering the Service You Need and the Value Your Customers Deserve

“My top priority is to be the best service oriented loan officer in the business.” – Joe Metzler

Computerized database management of your prospects and joint mail outs for all prospective leads · Closing package delivered to title company a couple of days before closing of original date of closing. We even review the closing statement with each and every borrower BEFORE closing so there are no surprises.

· I will handle all the details from application to closing. You will have only one number to remember and one person to talk to!

Are You Tired of Giving Deals to The In-House Lender and GETTING NOTHING IN RETURN? We Understand, and WE CAN HELP! It’s nice being a team playing and making the owners of your company wealthy by directing your business to the in-house lender and title company, but lets face it.

WHAT HAVE THEY DONE FOR YOUR PERSONAL BOTTOM LINE? How many deals has the in-house lender given you? None? Our partners benefit from MUTUALLY REWARDING relationships. Simply put, YOU MAKE MORE MONEY working with us because WE GIVE YOU fully pre-approved buyers WE generate by our marketing activity!

Are You Really Getting The Service You Deserve?

We Deliver Buyers to You!!! – How Cool Is That? We spend a huge amount of money to acquire fully pre-approved buyers (mass mailings, web sites, radio, etc). We don’t sell homes, so we need to pass these clients along to our “partners”. Is that you? Part of that process is being a Preferred Lender with the Home Buyer Scouting Report. What is that you ask? Give me 10-minutes in your office to explain how FOR FREE I can DOUBLE YOUR VOLUME – Even in today’s market. How nice would that be?

Are you tired of losing deals because you don’t have the time or staff to follow up? We understand and We Can Help You. That is why we have developed a breakthrough follow up system guaranteed to increase your income and give you the time to do what you do best- sell homes. It is a very simple process. You provide us with your fresh leads that you don’t have time to follow up with and we’ll return that person to you as a pre-approved buyer who can’t wait for you to find them a home. We do not care where the lead came from, (newspaper ad, open house, ad call, past customer referral, 1-800 number or current customer referral), we will take the time to pre-qualify that lead, get them prepared to purchase a home, and then approve them to buy it. Once we are through, we will contact you and you are then armed with all the necessary information you need; how much home they can afford, loan program approved for, maximum down payment, and interest rate. This is a proven system for maximizing your efforts and time. It has proven especially useful for those clients that may have some credit issues to clear up before they can purchase a home. We take them through the process of cleaning up their credit, then we get them pre-approved to buy a home. We will then contact you to take them out and find the home of their dreams. You will have given me a client that could not purchase a home, and I will return them to you as someone who can. Best of all, there is no charge for this service. So, not only will you be saving yourself, you’ll be saving your client money too. Give me a call today and we’ll get started!

Are You Really Getting The Service You Deserve? We Deliver Quick and VALID Approvals!!! “How much time do we waste waiting?” Waiting, especially for loan approvals, is one of our industry’s largest pitfalls. We waste the most valuable asset we have every time we choose to spend months, weeks, or days approving a loan. It is for this very reason we have streamlined the approval process down to its most efficient essentials. Our approvals are done in minutes ensuring plenty of time to react to all unforeseen events. No one is caught out in the cold. If the choice is between hours or minutes, the choice is clear. Why frustrate your customers and clients? Our quick approval program is another example of our commitment to assist you in reaching new levels of achievement in the real estate profession. VALID PRE-APPROVALS: Did you know most Pre-Approval’s are really not pre-approved? Most lenders only do a cursory look at customers before issuing a Pre-Approval, and the file is almost NEVER been seen by an Underwriter until AFTER an offer is accepted. Yikes! No wonder deals fall apart. We do it right. If we write an approval letter, you can trust we’ve done a complete approval and the deal will close!

Are You Really Getting The Service You Deserve? Why Waste Days Waiting When You Can Know in Hours!

We Deliver Detailed E-Mail Loan Status Reports!!! · There’s nothing worse than not knowing: · Not knowing about credit problems… · Not knowing about appraisal problems… · Not knowing about closing conditions and on, and on, and on. Why Waste Time Chasing Your Loan Officer? Go Out and Sell More Homes!!! We Let You Know The Whole Way Through! We provide E-Mail Loan Status Reports every week, to all agents, on all loans. This means no last minute surprises prior to closing. Your purchasers benefit. Everyone benefits. Open lines of communication are at the foundation of all effective relationships and without this commitment to excel we would be just another mortgage company. And that is quite simply, not the case.

Are You Really Getting The Service You Deserve? We Deliver “Mortgage Market Guide” Weekly E-Newsletter. Important industry news so you can be on top of your game! “Don’t have time to read the paper?” We have a FREE solution for you. For over 15 years now, the Metzler Team has worked to establish his name as a first class mortgage banker. Joe has done so with a no-nonsense attitude toward customer service, unsurpassed knowledge of the mortgage industry, cutting edge technology, and good old fashioned hard work. These ideas have helped him to grow and flourish while many others have passed by the way-side. However, one of the reasons for his success and longevity may surprise you, “the nearly world famous tip of the week.” As a continuing service to his clients he sends out a E-Mail weekly newsletter usually dealing with the most up to date mortgage or real estate news. From time to time he may cover a human interest story that relates to success in any field or maybe an inspiring person that has done something against all odds. Some of these stories may teach you, inspire you, make your heart stop, or bring a tear to your eye. What he guarantees they won’t do is bore you. With this one page newsletter you will receive the practical information you need to make you sound like a one stop source for “the inside word” on real estate. The rates for the weekend are also included for your quoting pleasure. Subscribe today and you will begin to see that we are truly “the next level in mortgage service.”

More Kinds of Borrowers Options means More Business For You!!! Affordable financing choices: So many people bring their home-owning hopes to you, but not every house-hunter earns a large paycheck or has a big bank account. That’s why we’re provide all the current financing options to your customers. FHA, VA, MHFA, Zero Down payment Rural Development, plus a whole range of city, county, and state assistance programs. Less cash upfront means more homes sold: Now home buyer’s with limited savings can become homeowners with little or no money out of pocket. Even closing costs can come from a gift or other sources. Our loan programs make it easier than ever for you to hand house keys to qualified customers.

The times have changed. Its more important than ever to align yourself with the best in the business. What We Can Offer the Borrower

· In House Originating, Processing, and Underwriting of their Loans– This provides the easiest, most cost effective, and hassle-free mortgage available on the market today.

· Point of sale approvals via laptop computers · Weekly Status Reports on the process of their loans

· Automatic computerized “Loan Status Reports”

· The amazing “Total Cost Analysis” to always guarantee the best rate and cost package.

· Guaranteed IN WRITING Best Rate and Cost Combination and Written Satisfaction Guarantee

· Great Rates through a wide range of lenders as we are both BANKER and BROKER ·

Wide range of loans – Including FHA loans, VA loans, MHFA (Minnesota Housing Finance Agency), USDA Rural Development, and most grant and bond programs – we are NOT limited to the single offerings of one bank, like you get with the typical in-house lender or big bank. We offer the products of multiple institutions nationwide, giving you and your customers the best financing opportunities

· Virtually hundreds of loan programs to choose from– Even Commercial Loans!

· We review the closing statement prior to closing with the borrower- so you don’t have to

· Each borrower has their own personal mortgage consultant to guide them through the mortgage process from start to finish

The Metzler Team at Cambria Mortgage is well situated to take advantage of the tremendous market that will exist in the Real Estate Industry during the 21st Century. It will be an exciting time with many changes ahead of us, but we have made a name by staying on the cutting edge of technology and offering more innovative loan products than any mortgage banker of its time.

Our promise to you is that as the industry changes and new programs are brought forth, we will be right there. All Mortgage Lenders have great rates and competitive closing costs. It’s everything else you need to be concerned about!

Call 651-552-3681 to speak with the Joe Metzler Team and be making more money tomorrow!

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