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View My $250 BEST Rate, and BEST Cost Combination GUARANTEE or my SATISFACTION PROMISE

My $250 BEST Rate, and BEST Cost Combination GUARANTEE

Do you want the lowest possible rate and cost combination for your mortgage loan, but are tired of trying to compare the fine print and determine the bottom-line differences between the quotes made by the various lenders?

I will guarantee you the lowest bottom-line rate and closing cost combination on your conventional fixed rate mortgage. It is that simple.

When we prepare your loan application, we will give you a "Good Faith Estimate" of your anticipated closing costs. This is a form all lenders are required to give you by the Federal Government. This will be the basis for your guarantee and cost comparisons.

You are welcome to shop all local lenders for a lower rate and cost combination. If you find one, bring me their signed and dated "Good Faith Estimate" and upon comparison and verification, I will either match or beat the other lender's bottom-line rate & costs.

If I can't do that, I will pay you $250 for your time and cheerfully transfer your complete loan file to the lower priced lender! You are "guaranteed" the lowest rate and cost, no matter what. No games, no excuses, no problem!  I GUARANTEE IT

No one else in the industry stands behind his or her products like this. We are proud to add you to the growing list of happy, satisfied customers of The Metzler Team at Mortgages Unlimited.


We ask only one thing of you. Referrals are the lifeline of our business and, therefore we request that you refer at least 2 people to us during your time in process with us. They will receive the same exceptional service and, of course, the same guarantees.


Thanks again for your business from all of us at The Metzler Team.

Best regards, Joe Metzler

How does it workand How to Collect

A) Call me before you lock in your rate with another company.   

  1. Tell me that you have a better offer.

  2. Provide a Good Faith Estimate and Truth-in-Lending statement from the other lender. It must be dated the same day as our offer, as rates change each day. It must indicate their competing companies name, address, and NMLS number.

  3. It must evidence interest rate, and discount points (if any).

  4. Estimated closing costs must include all costs from all parties involved in the transaction, including escrows (if any). Nothing may be marked TBD (to be determined).

  5. The loan with the other lender must be a 15, 20, or 30 year fixed interest rate, fully amortizing loan only.

  6. You must qualify for the same or similar loan program offered by us.

B) After reviewing the competitions offer:

  1. I must be allowed to match their interest rate, points, or closing costs combination, and beat their costs by $100.00.

  2. If I can match & beat their offer by $100, but you don't close your loan with me, the offer is null and void.

C) If I can't match or beat your other offer:

1.) Provide me your Rate Lock Confirmation showing:

  • the date of your rate lock.

  • interest rate and points you received.

  • their Good Faith Estimate (GFE) and Truth-in-Lending Statement (TIL)

2.) I will keep this information on file.

3.) After your loan closes, the closing agent/title company must simply provide me your proof of closing (the HUD-1 Settlement Statement & Note) showing the better rate, points, and closing costs combination.

4) If at closing, they still beat my original offer, I will personally mail you a check for $250 from my own personal checking account! *


Unfortunately there are many unscrupulous lenders that try to hook customers with a low interest rates, and misleading closing costs - only to raise them later.  Lenders that practice bait and switch force us to verify that your rate, points, and closing costs at closing are the same as your initial offer that supposedly beat my offer. Bait and switch is an unethical practice of some lenders where they promise a low interest rate only to manipulate the situation, forcing you to take a higher rate, or pay undisclosed closing costs later  They are betting the customer would rather pay more than start the whole process over again.


Your satisfaction is of the utmost importance to us at The Metzler Team, so we offer this unprecedented money-back guarantee.

If at any time you are unsatisfied with any of the following services from us, you need only notify us in writing and we will promptly refund any application fee, and if applicable, send your complete file to another lender. You see, we feel that you should be COMPLETELY satisfied, or you should not pay a dime. We stand behind our service, rates, and costs so you can sleep well knowing you have made the most intelligent mortgage decision.

We know that buying or refinancing a home can be stressful. You want to be sure you're getting the best combination of rates, points, and fees before you commit to a lender. But it's not always easy to tell if you're getting a good deal, or if your rate, points, and fees might change later in the loan process when it's too late to switch.

That is all why I am an original founding member of the
Up-Front Mortgage Brokers Association!

We want you to make an informed decision when selecting a lender. That's why we have Up-Front Price Promise. It's our commitment to help you know where you stand from the beginning.

Our Up-Front Mortgage Lender Price and Service Promise:

We want your experience of selecting and obtaining a mortgage to be as simple and hassle-free as possible - with no unpleasant surprises. That's why we make the following promises to you:

  1. You'll get an accurate rate and cost quote up front - and we will provide you with the following:

    • Real time decision on your loan request - Up-Front

    • A detailed written rate quote and Good Faith Estimate - Up-Front

    • Guaranteed in writing closing cost - Up-Front

  2. Upon receiving a credit approval, you can lock in your interest rate, discount points, and we will Guarantee the costs. Because we are a direct lender, we handle the entire loan process from approval to closing. That means we can usually approve you within minutes without any middlemen.

  3. While we have a web site, we are NOT an online lender. You'll receive the personal attention of a dedicated, highly skilled, and experienced Senior Loan Officer who will serve you during the entire process and provide you with proactive automated loan status reports which are also easily accessible online 24/7.

Furthermore Our Commitment as Mortgage Bankers also includes;

  • Return phone calls as promptly as possible.

  • We will endeavor to act in the best interests of the customer at all times.

  • Review your present situation completely to determine which of the hundreds of mortgage programs we offer are best for you. We will use my best efforts to determine the loan type, features, and lender services that best meet the customer's needs, and to find the best price for that loan.

  • Determine a fair rate for you’re given loan program and credit situation, AND give you the option to lock in that interest rate or “float” it.

  • When directed by the customer, we will lock the terms (rate, points, and other major features) of the loan, and will provide a copy of the written confirmation of the rate lock. If you choose to lock that interest rate, we will GUARANTEE that interest rate at closing unless your credit situation changes during the application. This includes, but is not limited to; undisclosed poor credit, change of program (due to the undisclosed problems such as a loss of job or misleading documents), denial of the loan by underwriting, delay in your loan closing due to factors beyond our control that goes past the Lock-In period, less then desired appraisal value, etc. However, we cannot guarantee the interest rate if you choose to “float” (not lock) it. As always, the choice of when to lock the interest rate is yours and we cannot guarantee what the market will do nor can we promise today’s rate tomorrow. We will always strive to do the best job for you!

  • We will keep all parties informed, every step of the way.

  • Explain the entire mortgage process to you so you completely understand what to expect all the way through closing. 

  • We will endeavor to resolving problems quickly.

  • We will following through on each transaction right through to moving day and update you weekly on the process of your loan so you are always up to date on what is going on. This gives you the opportunity to have all your questions answered once a week by your own personal mortgage banker.

  • Provide online, 24 hour access to the status of your loan.

  • Give you a complete list of any documentation that you may be missing to process your loan as quickly as possible. 

  • We will establish a price for services upfront, in writing, based on information provided by the customer (a Good Faith Estimate), so that there are no surprises. We will endeavor to make my Good Faith Estimate as accurate as possible (unlike the "sunshine lenders", who quote rates & closing costs which are unrealistic, in order to get your business - then surprise you later). Our Good Faith Estimate of the closing costs will GUARANTEE that your actual lender costs- excluding title company - will be within 5% or we will cover the difference. We strive to provide you with an estimate that will be as close as possible to the exact penny required at closing. This applies to actual hard costs only and does not include escrows and prepaid items. Since we usually do not choose the Title Company on purchase transactions, we cannot guarantee what their costs will be. We WILL guarantee closing costs on refinance transactions where we choose the Title Company! The industry standard is between 10% and 25% variance, so you can see that we truly do stand behind what we quote you.

  • On third party services, such as an appraisal, ordered by us, but paid for by the customer, I will provide the invoice from the third party service provider at the customer’s request.  Alternatively, I may have the payment made directly by the customer to the third party service provider (example: you pay the appraiser when he is at your home).

  • Review your closing statement with you prior to closing so you can feel comfortable and relaxed at the closing.

* This offer valid with the Joe Metzler Team only. Joe is personally responsible for any claims based on this guarantee. You agree to hold Mortgages Unlimited harmless from any claims based on this guarantee. Furthermore, by exercising this best rate, best cost guarantee, you agree that the total liability arising out of any claims based on this guaranteed price and cost offer is limited to Two Hundred Fifty Dollars ($250.00). If you have already begun your application with another of our affiliated loan officers, you may not switch from them to us. Offer not valid when competition offers special subsidized deals, including, but not limited to: builder rebates, employee benefit programs, or existing customer specials. Especially builders, as they have already built in their incentives to the price of your new home! Once you lock your rate and terms, all comparisons for the purpose of this guarantee are deemed completed to your satisfaction. No compensation will be made or guaranteed after your loan is locked. Best rate and cost COMBINATION determined by comparing the rate and cost over the length of the loan term.


  Equal Housing Lender

Policies, Procedures, Disclaimers

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

(651) 552-3681  

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Our services available only for properties located in Minnesota, Wisconsin, and South Dakota. Licensed as Mortgages Unlimited, Inc. NMLS # 225504. Joe Metzler NMLS # 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 Copyright � 1998 - 2016 Joe Metzler. This is the private web site of Joe Metzler, NMLS #274132. All Rights Reserved.