Important Disclaimer

Required disclosures and important information
Last Updated: February 5, 2025
NMLS ID: #274132

States We Lend In

• Cambria Mortgage lends in AZ, CO, FL, IA, MN, ND, SD, TX, and WI
• Joe Metzler, Loan Officer, is licensed in AZ, CO, FL, IA, MN, ND, SD, and WI

Rate and Loan Information Disclaimer

Interest Rates

• Rates are subject to daily market changes and may change multiple times per day
• Displayed rates are for informational purposes only and do not constitute a loan offer
• Your actual rate will depend on credit score, loan amount, property type, and other factors
• Rate locks are available but must be formally requested and confirmed
• Annual Percentage Rate (APR) includes interest rate plus other loan costs
• Points and fees may be required to obtain displayed rates

Loan Programs

• Program availability varies by state, property type, and lender guidelines
• Qualification requirements include credit score, income, and debt-to-income ratios
• Government programs (FHA, VA, USDA) have specific eligibility criteria
• Jumbo loans have higher loan limits and stricter requirements
• Investment property and second home financing have different terms

Calculator and Estimate Disclaimer

Mortgage Calculator

• Calculations are estimates only and should not be used as the sole basis for financial decisions
• Results may not always include property taxes, PMI, homeowners insurance, or HOA fees
• Private mortgage insurance (PMI) may be required for loans over 80% loan-to-value (not shown on calculator)
• Actual payments will vary based on loan program and lender requirements
• Tax and insurance escrow may increase monthly payments

Pre-qualification vs. Pre-approval

• Pre-qualification is an estimate based on self-reported information
• Pre-approval requires full documentation and credit review
• Neither guarantees final loan approval or specific terms
• Final approval is subject to satisfactory property appraisal and title review

Service and Application Disclaimer

We are both a Lender and a Broker

As a Mortgage Lender

• Cambria Mortgage is a mortgage lender and works with multiple investors
• We make the lending decisions — final approval comes from us
• We originate, underwrite, approve, and fund the loan ourselves
• We cannot guarantee approval, specific rates, or closing timeline
• Fees may apply for services as disclosed in loan documents

As a Mortgage Broker

• Cambria Mortgage is also a mortgage broker and works with multiple lenders
• We do not make lending decisions — final approval comes from the chosen lender
• Processing times vary by lender and loan complexity
• We cannot guarantee approval, specific rates, or closing timeline
• Fees may apply for services as disclosed in loan documents

Application Process

• Complete and accurate information is required for all applications
• Credit reports will be pulled and may temporarily impact credit scores
• Income and asset verification is required for most loan programs
• Property appraisal must meet lender guidelines for loan approval
• Applications may be denied for various reasons beyond our control

Website and Technology Disclaimer

Website Information

• Information is provided “as is” without warranties of any kind
• Content may contain errors or become outdated
• External links are provided for convenience and we are not responsible for their content
• System downtime may occasionally prevent access to online tools

Online Security

• We use industry-standard security but cannot guarantee complete security
• Sensitive information should only be submitted through secure channels
• Email is not secure for transmitting confidential financial information
• Users are responsible for maintaining password security

Legal and Regulatory Disclaimers

Equal Housing Opportunity

• We are committed to fair lending and do not discriminate based on protected characteristics
• All qualified applicants will receive equal consideration
• Credit decisions are based on legitimate business criteria

State Licensing

• Joe Metzler is licensed in Arizona, Colorado, Florida, Iowa, Minnesota, North Dakota, South Dakota, and Wisconsin
• Services are only available in states where properly licensed
• State regulations may affect available loan programs and terms

NMLS Compliance

• NMLS ID #274132 — Verify licensing at www.nmlsconsumeraccess.org
• Subject to federal and state oversight and regular examination
• Consumer complaints may be filed with appropriate regulatory agencies

Investment and Financial Disclaimer

Financial Advice

• We are mortgage professionals, not financial advisors or tax professionals
• Consult qualified professionals for tax, legal, or investment advice
• Real estate markets can fluctuate and affect property values
• Mortgage payments are a long-term financial commitment

Market Conditions

• Interest rates are influenced by economic conditions beyond our control
• Loan program availability may change based on market conditions
• Property values may increase or decrease over time
• Economic factors may affect your ability to refinance in the future

Limitation of Liability

Website Use

• Use of this website is at your own risk
• We are not liable for decisions made based on website information
• Technical issues or errors do not create liability
• Third-party content is not our responsibility

Service Limitations

• Our liability is limited to the extent permitted by law
• We are not responsible for lender decisions or delays
• Market changes beyond our control may affect your loan
• Force majeure events may delay or prevent loan closing

Contact for Questions

Acknowledgment

By using this website or our services, you acknowledge that you have read and understand these disclaimers. You agree that any reliance on information provided is at your own discretion and risk.

This disclaimer is subject to change without notice. Please review periodically for updates.