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Client Testimonials for the Joe Metzler Team at Mortgages Unlimited, Inc

"Who needs paid endorsers when customers say nice things about you for free!"  - Joe Metzler
"Satisfied clients don't come easy.  It requires knowledge, commitment, and dedication, combined with excellent rates and costs"  - Joe Metzler


The following are all written testimonials, and available to view upon request.

Very easy to work with. Quickly replies to eMail, and very helpful, courteous, and polite. Very informative to someone like me who doesn't know about mortgages and loan programs.
Stacie L. - Cambridge, MN (Aug 2017)

Our closing yesterday went very smoothly. I just wanted to thank you not only for all your work, but for making this entire process a relatively easy one for us. It was pretty intimidating at first and you both did an excellent job at dumbing it down and were quick to answer any questions we had, no matter how stupid they may have sounded. I'm definitely willing to recommend your services and I can now see why you have such high ratings. Keep up the good work!
Allen P - Wisconsin (May 2017)

Joe did an awesome job helping me buy my first home. I expected this to be overwhelming, but I got all my questions answered in a way I could understand, and it actually seemed way easier than I anticipated. Best part was he showed me this cool 3% down payment ...
Andy Andy - Madison, WI - March 2017

As a first time home buyer, and not originally from this country, I had a lot of questions. I went to a bank first, but felt lost. My real estate agent had me talk to Joe Metzler. I was extremely pleased. He knowledge, expertise, and calm demeanor made my home purchase seem very easy, even with all my questions. If you need a great Loan Officer, I suggest Joe Metzler.
Abrahim - Apple Valley, MN - Aug 2016

Gave a lot of good information in our first talk, answered all my questions about buying our first home. Everything went smoothly.  I loved the email status updates from him during the process, and when I had questions, he answered promptly.
Jane - Mankato, MN - May 2016

I have bought and sold many homes over the years. Far and away, Joe was the best Loan Officer expoerience. His email loan status reports kept me well informed all through the process.  Thansk Joe, I will pass your name to everyone I know.
Jesse - Saint Paul, MN - August 2015

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.  I wished you guys were at closing to hear about your superb service and high tech system. The seller is also a realtor.  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 V. - St Paul, MN (Sept 2013)

We closed on our refinancing on Friday. Just wanted to let you know that this refinance was one of the most efficient, if not the most efficient, I have experienced - Thank you. Also, your costs were reasonable, and you did what you said you were going to do (something that is not as common as it should be). Thanks again, and I hope to work with you both again.
- Mike G. White Bear Lake, MN. (January 2013) 

"I have had the most wonderful experience talking to Joe Metzler about a VA home loan today. I was mislead by past companies, with the realization of how much time has passed with maybes and still no preapproval. I had gone from sick to my stomach, to feeling comfortable without all the sugar coating of maybe getting into a home loan. Joe spent 76 minutes with me over the phone discussing what I needed to do and what he could do for me. Wonderful part about the conversation is not once did I here” let me check with my supervisor, or can u hold, so we can transfer you to the next processor. I had received all my information in one voice, Joe Metzler. Thank you for taking your time, as well making my phone conversation personal and to the point. I may now get these teeth fixes from all the sugar I received from other companies. I hope you get this, You made may day Joe."
- Caralee L, Wisc (August 2012)

"Dear Joe and Eric, We are so very happy with our stress free and perfect home buying process!  Thank you so much for working hard to have everything done earlier than expected. We really appreciate you!"
- Belinda and Gary Gardner, Brooklyn Park, MN (March 2012)

"Joe/Eric... I just closed. I want to thank you guys. You did an excellent job. Highly professional, excellent communications throughout the process, and tightly focused on getting this done. If you ever need a reference, call me. Thanks again"
- Phil Egan, Gainsville, GA (Sept 2010)

"Joe and Eric,
I would like to thank both of you for helping me purchase my new home.  You made the process relatively easy and stress free.  I will definitely let friends and family know about the great service you provided me.  I’m really glad I didn’t go with 1-800-BIG-BANK.  Once again, thanks for making this possible.
- Joe Xiong, St Paul, MN (May 2010)

Thanks for helping us get this done, didn't really think it would happen.  I called on a whim because you had placed my original mortgage on this house.  Now we will be enjoying a lower house payment for years to come.  Best wishes to you.
- Angie W. Hammond, WI (Feb 2010)

Hello Joe & Eric,
I just wanted to personally thank you both for helping me secure my home in Cottage Grove. You made the process simple and easy to follow and took a lot of worry out of purchasing the home. I will gladly recommend you to anyone who is also seeking a home mortgage. Best wishes and continued success!
-Tim M. (Sept 2009)

Joe is genuinely concerned about finding the BEST loan for you. Very honest and hard working. I will refer all my friends to Joe.
-Emily S. (April 2006)

Very informative. Made the process easy. Joe worked with us as a client, not a loan number.
-Eugene and Linda G. (Oct. 2005)

Professional. Made a person feel very at ease. Answered all my questions and concerns. Super good listener.
Bruce S. (Aug. 2005)

Joe is very friendly and straight forward. I would recommend a friend, relative, or colleague to Joe.
Angela B. (Sept. 2005)

This is the second time we have used Joe as our loan officer. He is very good and works hard for his clients. We will use him again and would refer others to him!
Robert and Emilie W. (Aug. 2005)

Thank you for taking the time to educate us - it helped us make the right decision. Education is the key to making good business and financial decisions. We appreciate the time and attention we were given.
Alan and Laurie W. (Aug. 2005)

Hi, Joe and Eric,
As I'm sure you assumed, everything went well yesterday. I have developed a bad case of carpal tunnel... Although you both have explained things to me, there are a few questions I might have, but I won't ask them until I have looked more carefully at the documents I brought home with me. I have been telling everyone I talk to about you two; you may hear from one or two of them in the near future. I hope you are still in this business when I am ready to do this again. You are a valuable resource, and beyond that, you have both earned my trust, admiration and respect, and unwavering loyalty.
As you told me that first time I talked to you, Joe, you truly have very little competition. Thank you.
Ronda W. (July 1, 2005)

Just wanted to let you know how pleased I am with how everything went with our refinancing. We closed last Thursday, and everything went as expected with no nasty surprises. We had a very bad experience with a Bank a few years back so I was very apprehensive and a bit untrustful. Thanks so much for all of your extremely prompt responses to my numerous questions.
Donna B.

It has been a sellers market for some time now! There are very often multiple offers right away on homes. I can't afford to have my real estate clients offers rejected because I submitted it with an approval letter from Fly By Night Mortgage. Agents in the Twin Cities area know Mortgages Unlimited has a solid reputation as a completely reliable lender. That goes a long way in our offers getting maximum consideration. I tell buyers that supposedly saving $100 on closing costs with some out state internet lender isn't a deal. Heck, I won't even show people homes, let alone make an offer with an approval letter from those lenders!
-Steve T. Realtor-GRI

"If you come to my office with an approval letter from some internet mortgage company, or someone I've never heard of, I will NOT accept it. On the other hand, just knowing that you are working with The Joe Metzler Team at Mortgages Unlimited puts my mind at ease. If they say you are approved. You are!"
-Chuck S. - Realtor

Joe, I recently mentioned your name to several parties who are considering refinancing. Again, thanks for your great work on our behalf
. - Ted B.

"We built a new home. Construction took 5 months. Joe's Good Faith Estimate was off only $11.23"
- Gene & Natalya, Inver Grove Heights, MN (March 2001)

Joe, I appreciate the update to my rate (5.5% is fantastic). I also appreciate how you handle these type of situations. I only wish I had a need to refinance my house more often. Thanks.
-Steve P.

I previously refinanced my mortgage with you and had a good experience and you were able to obtain a very good rate and reasonable costs.� I now have a fellow physician who's in town to buy a house and I'd like to provide him with a quote from you if possible and then hopefully have him contact you to get preapproved.� Would you send me a quote for a 500K 30year mortgage including a GFE, assuming 20% down payment, and of course I don't have any info about insurance or taxes. Thanks and I look forward to hearing from you and hopefully I can send you some more business.
-Dr. Keith W.

Dear Mr. Metzler:
I am in the course of preparing a Continuing Education seminar on the general subject of Predatory Lending. A major segment of the course will center around Truth in Lending, particularly the Good Faith Estimate. The attendees will be attorneys and other licensed professionals who need to fulfill CE hours to maintain their licenses (e.g., realtors, appraisers, title insurance licensees). Inasmuch as I have been in the title, escrow and closing business for over 20 years, I am finely attuned to the ways mortgage brokers deceive their borrowers while remaining in basic compliance with TIL. In doing my own research on the internet - particularly at looking at the promotions of mortgage brokers - I came across your site. I was startled by both the directness of your advertising and the absolutely right on visual analyses you display on how the lending system "really" works. May I have your permission to borrow your material - with full proper accreditation of course - as an aid to this instruction?
Edward D. Hayman, President/Attorney
Rockwell Title
1370 West 6th St.
Cleveland, OH 44113

"I was working with Joe Metzler, but during the process, I stumbled across a broker called "Bxxxxxxe Mortgage" from St. Louis Park, who claims to have the 'Best Rate'. Their rate was 1/4% better in their advertisements. Without getting upset over possibly losing my business, Joe explained how their bait & switch operation worked, and gave me the questions to ask them. HE WAS RIGHT. Their quoted rates were not real. They were NOT able to lock me at the rate they claimed without a full and complete file delivered to their real lender within seven days. I would have been in for a big surprise if I had gone with them. I closed my loan with Joe Metzler, and couldn't have been happier. Thanks Joe!"
-Charles E.

"Just wanted to thank you for the outstanding service we received from you and your company. After the extremely poor and frustrating experience with Cxxxxxt Mortgage, we appreciated it."
-Jeff & Suzanne O.

Thanks for your response and advice. You are right in all of your assumptions and conclusions. My rate was 6.5% and I have now done the math, and the difference is 2 years longer if I pay the same incremental difference against principal in my current loan vs. a 15 year loan.  I am now focused on a new 15 year refinance. MUCH thanks for your web-site (most sensible of any I found across the US) and your personal consultation.
-Bruce S.

"You have a great web site! Thank you for providing this valuable information on-line. After reading your "Beware of the Bad Good Faith Estimate" page, I asked the Florida lender I was using for more information. It was like pulling teeth. I decided to go with them anyway. They offered the same great rate as you, yet "appeared" to be thousands cheaper. You told me their estimate numbers were not true, yet I didn't believe you! As you already know, at closing, nothing was the same. We did one thing right! We followed your advice, and walked out of the closing without signing anything. Thank you ever so much for closing our loan! You did it in just 5 days, and your numbers were right on! Congratulations on doing it right."
-Pamela P.

"I wish to say thanks for your time and devotion in financing our home. Our loan was probably an unthinkable task, you held the keys and knowledge to unlock our dreams. I NEVER thought I could buy a home until I talked with you!
�- Todd and Virginia

"Thank you…for going above and beyond your job. You showed me how I could save $247.00 a month and still pay off my loan in 15 years"
�- Mike M (Sept 1999)

"Joe Metzler is very positive and helpful. We also looked at some of the big banks, but Joe was outstanding for service, warmth, understanding, and enthusiasm. He is a great asset to your company. He must be your top loan officer. I would recommend him to all our friends!"
�- Mike W (June 1998)

"Joe is truly an asset to your company. As a result of his dedication, we did not worry about the mortgage at all. He is knowledgeable, conscientious & innovative. We felt as if we were his only customer!
�- Lynette and Mike (Jan 1997)

"My mortgage experience (which was a "painful" process on our first home) was upbeat, positive, professional and most of all personal. I couldn't begin to say enough positive things about Joe Metzler. He held our hand the entire way!
�- Tom & Courtney (May 1997)

"You are the man! I was already approved with another lender who I thought was charging to much, but it was only three days until closing. You explained what to look for when I called him back. With your help, I saved over 1% in interest, and you didn't even do my loan. I tell ALL my friends about you! P.S. Next house, you are doing my financing!
�- Arlow (July 1996)

"Joe Metzler was great to us! We thank him from the bottom of our hearts for giving us the opportunity to own our own home! We had talked with a couple of other lenders, none of them explained things like you did. Thank you very much!
�- Chris (June 1996)

 

  Equal Housing Lender

Policies, Procedures, Disclaimers

33 Wentworth Ave E - Suite 290
West St Paul, MN 55118

(651) 552-3681  

Member in Good Standings, National Association of Mortgage Brokers Read our weekly Mortgage Market review Minneapolis / Saint Paul Business Journal has recognized Mortgages Unlimited as one of the top 25 locally owned mortgage lenders in Minnesota. Who are you thinking of doing business with? Top Mortgage Lenders in Minneapolis St Paul MN Member in Good Standings, Minnesota Mortgage Association

My services available only for properties located in Minnesota, Wisconsin, and South Dakota. PLEASE DO NOT KEEP US A SECRET from your FRIENDS. Licensed as Mortgages Unlimited, Inc. Nationwide Mortgage License # 225504. Joe Metzler NMLS Originator Lic # 274132. As a Lenders One partner, we are part of the 3rd Largest Retail Mortgage Originators in the country. We are consistently ranked as one of the top mortgage lenders in Minnesota by Minneapolis St Paul Business Journal. Any use or duplication of any materials is  strictly prohibited.  All images, text, and materials © 1998 - 2017 Joe Metzler. This is the private web site of Joe Metzler, NMLS #274132. All Rights Reserved.

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