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  • Tel: (651) 552-3681
    Email: joe@joemetzler.com

  • Second Opinion

    You Are Entitled To A Second Opinion, Even If You Have Already Been Pre-Approved For Your Minnesota, Wisconsin, or South Dakota Mortgage!   Imagine you have just went to the Doctor in Minneapolis, or the Mayo Clinic in Rochester and found [...]

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    The Credit Score Inquiry Myth Revealed

    The Credit Score Inquiry Myth One of the most complicated aspects of the FICO credit scoring system is how inquiries impact your scores. This is easily on the “Top 5” list of the most misrepresented facts about FICO scores. So, in the [...]

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    No down payment, low down payment, and down payment assistance programs in MN, WI, and SD

    No down payment, low down payment, and down payment assistance programs in MN, WI, and SD It is the dream of everyone to own their own home. Many potential home buyers have the income and credit to qualify for a mortgage. However, many of them lack [...]

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    Protecting yourself against predatory lenders, mortgage scams, bait-n-switch scams, mortgage fraud, and Loan Officers screw-ups can be a challenged. Most people are gullible, especially for inexperienced shoppers who don't know what to watch for, the[...]

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    Buying Foreclosures and Short Sales

    Our market is flooded with properties that are in some stage of the foreclosure process. While these properties can be a fantastic deal, there are many special details that must be considered. Here is a short over view. Call me anytime, and I'll go [...]

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    Long Term Interest Rate Locks

    When initially getting a mortgage loan, you have an important decision to make about interest rates.   You need to decide if you want to either float or lock your interest rate.  Float means your rate is NOT guaranteed, and subject to [...]

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    First and foremost, expect to have your loan handled by experienced, knowledgeable, and dedicated loan professionals. We offer multiple ways to start the application process. Online 24-hours a day, over the phone, or in person. You pick the option [...]

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    What is APR

    APR basically takes the base interest rates, calculates closing costs, and mortgage insurance if applicable, and gives you a new interest rate, known as the effective rate. Technically, the lower the number, the better the deal. If two lender quote [...]

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    Truth About Interest Rates

    Understanding how mortgage interest rates work, and why you probably won't get the interest rate you see online or elsewhere is probably one of the most confusing aspects of any mortgage loan. While you see interest rates online, or in printed [...]

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    Mortgages in Retirement

    Minneapolis, MN: Retirement can be scary if you are worried about money. Survey's show a major reason for not being able to retire is still having a mortgage payment. We see two primary attitudes towards retiring with or without a mortgage. The[...]

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