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Our Difference. Why use Joe Metzler and Mortgages Unlimited for your mortgage loans

We know there is a Loan Officer on every corner, telling you how great their rates are, and promising you the world. We know most people simply call the bank where their checking account is when they need a home mortgage. We also know it's scary for many people to work with a small mortgage company, and think a big bank is safer. Please take a moment to read this entire page to see why we are your best choice when getting a mortgage loan in Minnesota, Wisconsin, or South Dakota.

"All Loan Officers have great rates, competitive closing costs, and multiple programs.  It's everything else that home buyers need to be concerned about."  - Joe Metzler


Joe and Eric Metzler have the experience that you need. Over 35 years combined experience as a leader in the industry. Joe is a Certified Minnesota Mortgage Specialist (MMS), a founding member of the Honest Mortgage Brokers Association (UMB), and former Vice-President of Great Rivers Mortgage. Joe Metzler 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.

TOP RATED: Who are you working with?  Did you know Joe Metzler was:

Wide range of loan options - Including FHA loans, VA loans, MN Housing down payment assistance program, USDA Rural Development, and most grant and bond programs (City Living, Dakota County First Time Home Buyer) - 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

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


We Deliver Quick and VALID Pre-Approvals

“How much time do we waste waiting?” Waiting, especially for your loan pre-approval, is one of our industry's largest pitfalls. We waste the most valuable thing you have, time, if  weeks, or even days to get a pre-approval.  Days you could have sepnt looking for homes, making offers, and NOT letting that perfect home slip through your hands. 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 miss out on a home waiting for pre-approval?

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 thorough initial review of your application.


More Kinds of Options means more approved buyers

Many people bring their home-owning hopes to us, but not every house hunter earns a large paycheck, or has a big bank account.

That's why we provide all the current financing options to your customers. FHA, VA, MHFA (Minnesota Housing Finance Agency), no down payment, USDA Rural Development, plus a whole range of city, county, and state down payment assistance programs.

Less cash upfront means more homes sold: Potential homebuyer's with limited savings can become homeowners with little out of pocket cash. 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.

Why Mortgages Unlimited?  Our Difference

 Each borrower has their own personal mortgage consultant to guide them through the mortgage process from start to finish
 Professional, experienced, and licensed Loan Officers. 4 out of 5 Loan Officers nationally are NOT licensed, 100% our our Loan Officers are licensed.

 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.
 Lower rates and lower closing costs - We don't have the overhead of the big guys

 Secure online application
 Secure online document uploading
 Free Mortgages Unlimited Smartphone app. Check on your loans progress 24/7. Email, text, upload documents.

 E-Mail Status Reports on the process of your loan
 A total cost analysis to always guarantee the best rate and cost combination.
 Super competetive rates through a wide range of lenders as we are both BANKER and BROKER
 Wide range of loans - Including FHA loans, VA loans, MHFA, USDA Rural Development, and most grant and bond programs (City Living, Dakota County First Time Home Buyer) - 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.
 We review the closing statement prior to closing with the borrower for accuracy

Mortgages Unlimited Minnesota - Joe Metzler Team

The Metzler Team at Mortgages Unlimited 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.


After the closing

 
  Equal Housing Lender

Policies, Procedures, Disclaimers

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

(651) 552-3681  

Top Minneapolis Mortgage Lender 2012 Member in Good Standings, Minnesota Mortgage Association

Our services available only for properties located in Minnesota and Wisconsin. Licensed as Mortgages Unlimited, Inc. NMLS # 225504. 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 Copyright © 1998 - 2017 Joe Metzler Team. This is the private web site of Joe Metzler, NMLS #274132. All Rights Reserved.