Buying a home is one of the biggest decisions of a lifetime. Given the financial and emotional value of your investment, it makes sense to work with a mortgage company you know and trust. We asked John Schroeder, CEO/President of Cambria® Mortgage™, to explain the hometown difference.

Deep Community Roots

The traditional real estate mantra of “location, location, location” also applies to mortgage companies. “When you’re buying a home, which is likely the largest purchase you’ll ever make, you deserve to work with a local company that’s deeply rooted in your community—not just a branch office of a large national corporation,” says Schroeder. Unlike the majority of large banks in the Upper Midwest, Cambria Mortgage is a true Minnesota hometown company. “Our headquarters are conveniently located in Eden Prairie, just west of Minneapolis, and we’re owned and operated by the same family that owns Cambria, the industry-leading manufacturer of natural quartz surfaces.”

Truly Personalized Service

If you’ve ever tried to contact a large national bank to ask a question about a credit card or other issue, you know how challenging it can be to reach an actual human being. “Our Cambria Mortgage team includes more than 30 local mortgage experts who live in the community and excel at building personal, face-to-face relationships. On average, our team members each have more than 12 years of experience, so they’re well-versed in local and state rules, regulations, and programs,” says Schroeder. Whether you want to refinance your existing home loan or buy a new home, you’ll work with a dedicated Cambria Mortgage professional who knows you as a person, not a file number. “From the first meeting to the closing, your mortgage expert will work closely with you to select the right loan, resolve any challenges, and complete the paperwork quickly and easily.”

The Right Loan for Your Needs

At virtually all banks, mortgages are just some of the many products they sell. At large banks, mortgages are often bundled with other products, some that may not be related to your transaction, while at small banks, especially in the out-state areas, the selection of mortgages is usually limited. “Unlike banks, Cambria Mortgage focuses exclusively on mortgages. As a full-service mortgage lender, we work with many different investors and a vast array of programs to ensure you get exactly the right loan for your situation,” says Schroeder.

Competitive Interest Rates

“We pride ourselves on our highly competitive interest rates,” says Schroeder. Unlike big corporate banks with hundreds of branch offices and thousands of people on staff, Cambria Mortgage’s overhead is much lower, so it can pass the savings on to its clients. “We always encourage our clients to request quotes from our competitors. Time and again, they’re pleased to find that Cambria Mortgage’s interest rates are significantly lower than the banks.”

A Smooth, Seamless Experience

As a hometown company with an experienced team of local experts, Cambria Mortgage can close loans significantly faster than competitors. “While most large banks ship their loans out of state for processing and underwriting, we service all loans at our operations center in Eden Prairie to create a smooth, seamless experience for our clients,” says Schroeder.

Interested in refinancing your existing mortgage or buying a new home? Your Cambria Mortgage expert can explain the various loan programs and help you get started. For more information, visit CambriaMortgage.com or call 952-942-0110.