You're one step closer to getting into the best mortgage at the right rate with the lowest closing costs for your exact personal situation. Our system has received your application, and is instantly notifying our staff that it is ready for review. You will also receive an E-Mail Confirmation with our contact information.

What happens next?

You Need to Pull you own Credit Report.
We are about to review your application, but in order to make a proper full determination, we need to review your credit report. As you are aware, a credit report is a vital document in assessing our ability to provide you with financing for your dream home.

You can get a report online instantly with a credit card. You will get a copy of your report with your credit score which we can use for underwriting your application. The cost depends on the number of borrowers, but is generally under $20.

We'll contact you.
Your personal home loan expert will contact you soon to customize a loan that meets your specific needs and answer any questions you may have. Don't want to wait? Call (651) 552-3681 and speak with a home loan expert now! We normally try to call you during standard business hours. If you are unavailable at that time, it helps for you to call us.

 Now Step #2. Pull Your Own Credit Report

We are NOT allowed to use other lender's credit reports, nor can we use reports from places like annualcreditreport.com.

If you do not have a credit card or are otherwise unable to pull your own credit report, please let us know immediately. Pulling your own credit is NOT mandatory for our initial review, but IS REQUIRED for full underwriting. At the end of the form below, in the referral box, be sure to select "JOE METZLER" in the drop down list, so I get instant confirmation of your credit report.

Questions? Call (651) 552-3681