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Client Testimonials for the Joe Metzler Team at Mortgages Unlimited, Inc

"Who needs paid endorsers when customers say nice things about you for free!"  - Joe Metzler
"Satisfied clients don't come easy.  It requires knowledge, commitment, and dedication, combined with excellent rates and costs"  - Joe Metzler

The following are all written testimonials, and available to view upon request.

Joe and Eric,
I want to thank you both for all you've done for me throughout the home-buying process to make this happen for me! I successfully closed on Friday and am pretty much settled in my new home. I enjoyed working with both and am so grateful for being there to answer my questions, direct me, and even listen to me "vent" at times. Also, thank you for whatever it is you did to make the closing happen. I wouldn't be in this great house without the two of you! I may have some questions going forward when I get a chance to really sit and look at all the documentation so hope you don't mind if I shoot you an email now and then. Thank you again! I am so appreciative!
Rhonda H. Minnetonka, MN (May 2015)

Hi Joe and Eric,
I just wanted to say THANK YOU for making my home buying experience a great and flawless one! I know my case was not an easy one and I wouldn't have made it without all your hard work and efforts. Thank you for believing in me and guiding me throughout.  I wished you guys were at closing to hear about your superb service and high tech system. The seller is also a realtor.  Both the seller and my realtor spoke highly of your work. I will definitely be sending referrals your way and I am sure my realtor will be too. Again, thank you so much for all your hard work!!!
Mary Ann V. - St Paul, MN (Sept 2013)

We closed on our refinancing on Friday. Just wanted to let you know that this refinance Mike G. White Bear Lake, MN. (January 2013) 

"I have had the most wonderful experience talking to Joe Metzler about a VA home loan today Caralee L, Wisc (August 2012)

"Dear Joe and Eric, We are so very happy with our stress free and perfect home buying process!  Thank you so much for working hard to have everything done earlier than expected. We really appreciate you!"
Belinda and Gary Gardner, Brooklyn Park, MN (March 2012)

"Joe/Eric... I just closed. I want to thank you guys. You did an excellent job. Highly professional, excellent communications throughout the process, and tightly focused on getting this done. If you ever need a reference, call me. Thanks again"
Phil Egan, Gainsville, GA (Sept 2010)

"Joe and Eric,
I would like to thank both of you for helping me purchase my new home.  You made the process relatively easy and stress free.  I will definitely let friends and family know about the great service you provided me.  I’m really glad I didn’t go with 1-800-BIG-BANK.  Once again, thanks for making this possible.
Joe Xiong, St Paul, MN (May 2010)

Thanks for helping us get this done, didn't really think it would happen.  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. Hammond, WI (Feb 2010)

Joe is genuinely concerned about finding the BEST loan for you. Very honest and hard working. I will refer all my friends to Joe.
Emily S. (April 2006)

Very informative. Made the process easy. Joe worked with us as a client, not a loan number.
Eugene and Linda G. (Oct. 2005)

Professional. Made a person feel very at ease. Answered all my questions and concerns. Super good listener.
Bruce S. (Aug. 2005)

Joe is very friendly and straight forward. I would recommend a friend, relative, or colleague to Joe.
Angela B. (Sept. 2005)

This is the second time we have used Joe as our loan officer. He is very good and works hard for his clients. We will use him again and would refer others to him!
Robert and Emilie W. (Aug. 2005)

Thank you for taking the time to educate us - it helped us make the right decision. Education is the key to making good business and financial decisions. We appreciate the time and attention we were given.
Alan and Laurie W. (Aug. 2005)

Hi, Joe and Eric,
As I'm sure you assumed, everything went well yesterday.I have developed a bad case of carpal tunnel... Although you both have explained things to me, there are a few questions I might have, but I won't ask them until I have looked more carefully at the documents I brought home with me. I have been telling everyone I talk to about you two; you may hear from one or two of them in the near future. I hope you are still in this business when I am ready to do this again. You are a valuable resource, and beyond that, you have both earned my trust, admiration and respect, and unwavering loyalty.

As you told me that first time I talked to you, Joe, you truly have very little competition. Thank you.
Ronda W. (July 1, 2005)

When I see a Pre-Approval Letter from Joe Metzler at Mortgages Unlimited, I have instant trust the loan will close.
Steve T. Realtor-GRI

"If you come to my office with an approval letter from some internet mortgage company, or someone I've never heard of, I will NOT accept it. On the other hand, just knowing that you are working with The Joe Metzler Team at Mortgages Unlimited puts my mind at ease. If they say you are approved. You are!"
Chuck S. - Realtor

Joe, I recently mentioned your name to several parties who are considering refinancing. Again, thanks for your great work on our behalf
Ted B.

"We built a new home. Construction took 5 months. Joe's Good Faith Estimate was off only $11.23"
Gene & Natalya, Inver Grove Heights, MN (March 2001)

Joe, I appreciate the update to my rate (5.5% is fantastic). I also appreciate how you handle these type of situations. I only wish I had a need to refinance my house more often. Thanks.
Steve P.

I previously refinanced my mortgage with you and had a good experience and you were able to obtain a very good rate and reasonable costs. I now have a fellow physician who's in town to buy a house and I'd like to provide him with a quote from you if possible and then hopefully have him contact you to get preapproved. Would you send me a quote for a 500K 30year mortgage including a GFE, assuming 20% down payment, and of course I don't have any info about insurance or taxes. Thanks and I look forward to hearing from you and hopefully I can send you some more business.
Dr. Keith W.

Dear Mr. Metzler:
I am in the course of preparing a Continuing Education seminar on the general subject of Predatory Lending. A major segment of the course will center around Truth in Lending, particularly the Good Faith Estimate. The attendees will be attorneys and other licensed professionals who need to fulfill CE hours to maintain their licenses (e.g., realtors, appraisers, title insurance licensees). Inasmuch as I have been in the title, escrow and closing business for over 20 years, I am finely attuned to the ways mortgage brokers deceive their borrowers while remaining in basic compliance with TIL. In doing my own research on the internet - particularly at looking at the promotions of mortgage brokers - I came across your site. I was startled by both the directness of your advertising and the absolutely right on visual analyses you display on how the lending system "really" works. May I have your permission to borrow your material - with full proper accreditation of course - as an aid to this instruction?
Edward D. Hayman, President/Attorney
Rockwell Title
1370 West 6th St.
Cleveland, OH 44113

Charles E.

"Just wanted to thank you for the outstanding service we received from you and your company. After the extremely poor and frustrating experience with Cxxxxxt Mortgage, we appreciated it."
Jeff & Suzanne O.

Thanks for your response and advice. You are right in all of your assumptions and conclusions. My rate was 6.5% and I have now done the math, and the difference is 2 years longer if I pay the same incremental difference against principal in my current loan vs. a 15 year loan.  I am now focused on a new 15 year refinance. MUCH thanks for your web-site (most sensible of any I found across the US) and your personal consultation.
Bruce S.

"You have a great web site! Thank you for providing this valuable information on-line. After reading your Beware of the Bad Good Faith Estimate web page, I knew you were the right lender for me.
Pamela P.

"I wish to say thanks for your time and devotion in financing our home. Our loan was probably an unthinkable task, you held the keys and knowledge to unlock our dreams. I NEVER thought I could buy a home until I talked with you!
Todd and Virginia

"Thank you…for going above and beyond your job. You showed me how I could save $247.00 a month and still pay off my loan in 15 years"
Mike M (Sept 1999)

"Joe Metzler is very positive and helpful. We also looked at some of the big banks, but Joe was outstanding for service, warmth, understanding, and enthusiasm. He is a great asset to your company. He must be your top loan officer. I would recommend him to all our friends!"
Mike W (June 1998)

"Joe is truly an asset to your company. As a result of his dedication, we did not worry about the mortgage at all. He is knowledgeable, conscientious & innovative. We felt as if we were his only customer!
Lynette and Mike (Jan 1997)

"My mortgage experience (which was a "painful" process on our first home) was upbeat, positive, professional and most of all personal. I couldn't begin to say enough positive things about Joe Metzler. He held our hand the entire way!
Tom & Courtney (May 1997)

"You are the man! I was already approved with another lender who I thought was charging to much, but it was only three days until closing. You explained what to look for when I called him back. With your help, I saved over 1% in interest, and you didn't even do my loan. I tell ALL my friends about you! P.S. Next house, you are doing my financing!
Arlow (July 1996)

"Joe Metzler was great to us! We thank him from the bottom of our hearts for giving us the opportunity to own our own home! We had talked with a couple of other lenders, none of them explained things like you did. Thank you very much!
Chris (June 1996)


  Equal Housing Lenderer

Policies, Procedures, Disclaimers

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

(651) 552-3681  

Member in Good Standings, National Association of Mortgage Brokers Read our weekly Mortgage Market review Minneapolis / Saint Paul Business Journal has recognized Mortgages Unlimited as one of the top 25 locally owned mortgage lenders in Minnesota. Who are you thinking of doing business with? Top Mortgage Lenders in Minneapolis St Paul MN Member in Good Standings, Minnesota Mortgage Association

My services available only for properties located in Minnesota, Wisconsin, and South Dakota. PLEASE DO NOT KEEP US A SECRET from your FRIENDS. Licensed as Mortgages Unlimited, Inc. Nationwide Mortgage License # 225504. Joe Metzler NMLS Originator Lic # 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 © 1998 - 2017 Joe Metzler. This is the private web site of Joe Metzler, NMLS #274132. All Rights Reserved.

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