Mortgages Unlimited, Joe Metzler, Minnesota, Wisconsin, and South Dakota today's Mortgage Rates in Minnesota, Wisconsin, South Dakota.

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MN, WI, and SD Home Mortgage Loans

As a Direct Mortgage Lender, MN, WI, and SD home loans are all we do. We beat the banks, the big internet lenders, and the Realtor's in-house lender everyday with our great interest rates on home loans, and personalized service from LOCAL professional Licensed Loan Officers. Our ultimate goal is to create lasting relationships by closing your home loan on time with a stress free process.
Mortgage Application for MN, WI, SD Accurate and Good Faith Estimate and Interest Rate Quote
READY TO APPLY? Our Secure Online Mortgage Application is available 24/7. There is no application fee, and we will only move forward with an actual loan your permission after reviewing all your options with you. WANT JUST A QUICK QUOTE? Complete the Online Mortgage Rate Quote Form. This option allows our Licensed Loan Officers the opportunity to research current mortgage interest rates, refinance options and programs, then get back to you with our accurate quote.
Today's mortgage rates for MN, Wi, SD Cash out refinance
Check today's mortgage interest rates based on your personal situation. Get live market mortgage rates and closing cost cost options. Pick what interest rate or closing cost option works best for you. Pay off those high interest rate max'd out credit cards, with a Cash Out Refinance. Lower your total household monthly payments by hundreds of dollars by combining all your debt into one single mortgage payment.
Free home value report  Wondering what your home is worth today? Get a FREE 10-page home value report e-Mailed to you. No obligations. Includes recent comparibles and active listings.
Need to Schedule an appointment with me?

Look at my live appointment calendar, then pick an appointment day and time that works for you. 
Schedule an appointment

Call (651) 552-3681. Speaking with an experienced, and Licensed Loan Officer is easily the best way to apply, or to obtain an accurate interest rate quote and an Estimate of closing costs.

Your Loan Officer in an important decision. Why choose Joe Metzler ( ) to assist you?

2018 - Top 300 Loan Officer in the Nation (Origination news)
2018 - Super Mortgage Professional (Twin Cities Business Magazine)
- Top 300 Loan Officer in the Nation (National Mortgage News)
2015 - Top 100 Loan Officer in the Nation (Orignation News)
2014 - Minnesota Loan Officer of the Year (Minnesota Mortgage Association)
- Best Mortgage Professionals in the Twin Cities based on Customer Satisfaction (Minneapolis St Paul Magazine)
2011 - Top 40 Most Influential Mortgage Professionals to Watch (National Mortgage Professional Magazine)

2010 - Top 150 Loan Officer in the Nation (Origination News)


We keep it simple for you! Slick advertising is not our game. We are a top MN lender, and it's not just because of our LOW mortgage rates. Its because we offer the whole package!  We provides fully automated processing, with all of the latest instant approval systems. We even give you instant Email notification for each step of your loan!
NO applications fees Minnesota based - not some out-state 800 number
Lowest possible interest rate (check mortgage rates) We make the process easy, convenient, and painless
NO junk fees - No games Professional highly trained experts and LICENSED loan officers
FREE Loan Estimates Accurate Estimates, and accurate ARP's
Fast Closings - 30 days or less Professional Analysis Not just application takers.
The actual lender - Direct Lender Honesty, Integrity, Experience.

Don't make the Top Mortgage Mistakes:

Purchase: Using your Realtor's in-house lender, or the big banks

Refinance: Assuming the company you currently make payments to is your best option


Dakota County First Time Homebuyer                             City Living Program                       Zero down Payment VA Loans and USDA Rural Development Loans                           HARP Lender in MN, WI, and SD (Home Affordable Refinance Program            

Client testimonials - Mortgages Unlimited, Joe Metzler Team


"Thanks for helping us get this done, I really didn't think I could refinance. 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. St Paul, MN

"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."
-Tim M. Minneapolis, MN

(Read more client testimonials)

Mortgage Loan Programs

Loans for buying homes, refinancing loans, jumbo loans, standard Conventional loans (Fannie Mae / Freddie Mac), FHA loans, VA loans, MHFA Start Up and Step Up program, Zero Down USDA Rural Development loans, Dakota County First Time Home Buyer, City Living down payment assistance, first time home buyer, grants, Down Payment assistance programs, FHA 203k rehab loans, mortgages for self-employed people, new construction loans, and more.

Has your Home Lost Value? Government backed HARP refinance program make refinancing still possible.

Conducting Your Minnesota, Wisconsin, or South Dakota Mortgage Rate and Lender Search

Top Lender in MN as rated by Lender411.comShopping for a home loan has never been this easy. To obtain the most accurate and up-to-date mortgage rate quote for your loan scenario, call us at 651-552-3681. Mortgage payment calculator appIf you are simply shopping for a mortgage, you can fill-out our easy Mortgage Rate Quote Form and someone will usually contact you within minutes with that information.

You can also initiate the application process by completing our Secure Online Mortgage Application. We advertises our services in many places and we are committed to honoring the displayed rates and mortgage closing costs as defined by the various publishers' guidelines.

You can always count on Mortgages Unlimited for great rates and low mortgage closing costs. Please do not hesitate to contact us with any questions. We are always here to address your concerns and offer you up-to-the minute mortgage quotes and home loan advice.

Smart people know Mortgages Unlimited is your St Paul, Minneapolis best lender choice for your home loan needs.

Our staff of Loan Officers are thankful for the opportunity to provide you with comprehensive mortgage rate quotes and mortgage closing cost information. Your Loan Officer will be happy to provide you with a Good Faith Estimate and Truth-In-Lending Statement so that you can better compare Mortgages Unlimited to other Mortgage providers.  We wish you the best during your loan process, and remind you that a low rate quote is only part of your overall satisfaction!

I know you have lender options, and I understand the importance of securing the very best interest rate and lowest closing costs for you and your family. I do not take that obligation lightly and will work hard to prove the value in having a long term relationship with myself and my team.

Joe Metzler and his team are committed to helping you make a truly informed mortgage decision. Our advice goes way beyond just quoting rates and fees. We provide you with a complete analysis of your mortgage debt picture through analysis and reports. Most people don't understand the life changing differences between different loan programs.

Get real interest rate and closing cost estimates so you can see specific numbers right up front. No surprises.  Our rates are typically 0.125% to 0.25% lower than the big banks and little mom-and-pop mortgage brokers, with lower closing costs, too.

Guaranteed rate MN WI SDWith our low interest rates and low closing costs, you might be wondering about the kind of service or expertise you'll receive. You're in for a pleasant surprise. We've gone to great lengths to streamline the loan process and make it the easiest, most convenient experience imaginable. No appointment needed. No account numbers or shoebox full of financial papers. Just the information that's in your head.

Find out how good it feels to work with a lender that delivers on both price and service, and read a few real customer comments. Then you'll know why we enjoys a 98.0% overall recommendation rating, which we'd like to point out is a far higher standard than mere satisfaction.

I have closed thousands of loans in my career. That's a lot! Those customers contributed to our continuing success because they know WE GOT THEM A BETTER DEAL! 

We can do the same for you! So if you are checking mortgage rates in Minneapolis, St Paul, all of Minnesota, Wisconsin, or South Dakota, we can help you get the lowest cost mortgage of anyone on your area, saving you thousands of dollars!

  Equal Housing Lender

Policies, Procedures, Disclaimers

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

(651) 552-3681  

Top Mortgage Companies MN Top Mortgage Companies MN Top Mortgage Companies MN Top Mortgage Companies MN Top Minneapolis Mortgage Lender 2012 Member in Good Standings, Minnesota Mortgage AssociationMortgage company BBB rating

Our services available only for properties located in Minnesota, Wisconsin, and South Dakota. 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 - 2019 Joe Metzler. This is the private web site of Joe Metzler, Mortgages Unlimited, NMLS #274132. All Rights Reserved.