When you finance through the Metzler Team, there are no surprises at closing because we provide you with prequalification advice, ongoing assistance and follow-up support. Working together, real estate agents, builders, title companies, appraisers and homebuyers, the Metzler Team has developed a solid reputation for dependability, honesty and consistently successful performance. You can trust that this expertise will result in a smooth and stress-free experience for you too.

Joe is also a MMS (Minnesota Mortgage Specialist). What is the Minnesota Mortgage Specialist (MMS) designation?

Currently less than 100 people in Minnesota have completed the requirements to earn their MMS designation! The Minnesota Mortgage Specialist designation is the title given by the Minnesota Association of Mortgage Brokers, Inc. (MAMB) to Minnesota mortgage professionals who choose to distinguish themselves as experienced, well-educated, ethical operators by successfully completing educational and professional requirements set forth by MAMB. As well as annually participating in continuing education pertaining to industry law and ethics. To achieve this designation, an MMS must have at least two years experience in the industry, attend the Minnesota Mortgage Lending School, take Mortgage Law and Ethics classes, and successfully pass the MMS test. To retain their designation, an MMS must maintain at least 6 hours of continuing education per year.

Joe is a lifelong resident of the Twin Cities area, and a 1998 Graduate of the Residential Mortgage Lending School, something very few Minnesota Loan Officers can claim. This was also well before the 2011 mandatory licensing rules non-bank Loan Officers. These classes and designations back then were all voluntary, and Joe took the extra time and effort to be the best in the business.

With dozens of competing lenders and mortgage programs to choose from in an industry that depends on quality and service, he can't afford to make mistakes and still continue to be strong and effective. His single most distinguishing feature is the consistent level of professionalism and thorough service given to his clients, builders, real estate agents, and investors.

Having helped Realtors and Builders successfully close many transactions, knowledgeable and dedicated, Joe believes in doing the job right the first time. He has an answer for even the most complicated situation. He firmly believes in people, community, and home ownership. Joe and his team are committed to providing outstanding service... Service you can depend on! Whether you are buying your first home or your dream home, refinancing, or a debt consolidations loan, call Joe today for all of your mortgage financing needs.

Once you meet Joe, it's easy to see why he is a successful, and highly rated mortgage expert. His track record is exceptional by any standard. Personally, Joe is just as impressive: confident, organized, friendly and helpful. He exudes a professional and personal style that is hard to resist. 

• I will return phone calls promptly.
• I will keep all parties informed, every step of the way.
• I will endeavor to resolving problems quickly.
• I will following through on each transaction right through to moving day.
• I will endeavor to act in the best interests of the customer at all times.
• I will establish a price for services upfront, in writing, based on information provided by the customer (Loan Estimate), so that there are no surprises.
• The price or prices will cover all the services provided by us.
• 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).
• I will endeavor to make my Loan 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).
• I 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 wholesale price for that loan.
• When directed by the customer, I 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 a customer elects to float the rate/points, we will provide the customer the best rate available to that customer on the day the loan is finally locked.