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Mortgages Unlimited, established in 1991, is one of Minnesota's top non-bank mortgage lenders.
Not a bank, more than a broker. As the actual lender, we don't have to play any middleman games, or charge you more to help pay for blimps, or the thousands of commercials they run all day long. This allows us to offer some of the lowest interest rates and closing costs in the market. Combine this with fully licensed and experienced Loan Officers, and you have a winning combination.
About Joe Metzler, Loan Officer - NMLS 274132
Born and raised in Saint Paul, MN. Joe has spent his entire life living in the Minneapolis / St Paul area. Married over 25-years, with two adult children, and two-grandchildren. When not buried knee deep helping clients make their home ownership dreams come true, Joe currently enjoys living a little bit on the edge camping, riding his Polaris RZR, and attending monster mud truck events as a way to de-stress.
Recent Awards and Recognitions.
2018 - Top 300 Loan Officer in the Nation
2018 - Super Mortgage Professional
(Twin Cities Business Magazine)
2016 - Top 300 Loan Officer in the Nation
2015 - Top 100 Loan Officer in the Nation
2014 - Minnesota Loan Officer of the Year
(MN Mortgage Association)
2011 - 40 Most Influential Mortgage Professionals to Watch
(National Mortgage Professionals)
2010 - Top 150 Loan Officer in the Nation
When you finance through the Metzler Team at Mortgages Unlimited, 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 2010 mandatory licensing rules. These classes and designations 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.
Licensed vs Unlicensed
Did you know around 80% of Loan Officers are not licensed? Yikes. As a licensed mortgage professional, not only will I just take the application and process your file, but I will show you all your different options. You tell me what you really want, and then I will advise you on what I think is best based on your needs and financial goals. I'm proud to provide solutions to each of my customers, no matter what their financing needs!
About Mortgages Unlimited
2012 - Best Mortgage Company in the Twin Cities based on Customer Satisfaction.
2007 - 2017 - Top 25 Mortgage Company in MN
Star Tribune Top 150 Company 2016, 2017
Multiple Reader Choice Awards
Other Loan Officer of the Year Winners
Getting a Mortgage Loan should not seem complicated to the home buyer if done right. The success of your purchase is 10% the company you choose, and 90% the Loan Officer you choose. When selecting a Loan Officer, it is more important than simply calling the bank where your checking account is at, or walking across the hall to your Real Estate Agents higher priced same company lender.
You need a trusted partner. Someone licensed and experienced. Someone who will answer all your question, evaluate your situation, and make the best decision for you and your family.
We strive to:
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Local Service - Nationwide
We are part of Lenders One, a national alliance of Mortgage Bankers. As a lenders One partner, we are rated part of the 3rd largest lender in the country, with over 400,000 loans originated, and $40 Billion dollars in closed volume.
As a Direct Mortgage Lender. We will take your application, process the loan, underwrite the loan, approve the loan, and write the check. If needed, we can also act as a mortgage broker. This adds the ability to not only offer all the traditional standard loans, but to offer a complete selection of home loan products to suit just about everyone.
FHA Approved Lender
We are an Approved Lending Institution for FHA, VA, and USDA Government Loans. While we are an approved lender, we are not part of HUD, FHA, the Veterans Administration or the United States Department of Agriculture. We are not acting on behalf of, or under the direction of HUD/FHA, VA, USDA, or the Federal Government in any way. FHA and VA do not lend directly to the public, only through approved lending institutions like Mortgages Unlimited.
Experience the Mortgages Unlimited difference
Apply right on your Smartphone, or click to call (651) 552-3681
Mortgages Unlimited, Inc - St Paul, MN. Office
33 Wentworth Ave E, Suite 290
St Paul, MN 55118
Office (651) 552-3681
Fax (651) 994-6425
Check our BBB rating
Mortgages Unlimited, Inc. Nationwide Mortgage Licensing System and Registry (NMLS)# 225504 Saint Paul Branch - NMLS # 387944. Joe Metzler, Licensed Mortgage Loan Originator NMLS # 274132. Lending in MN, WI, and SD only. Offices in St Paul, Eagan, Maple Grove, Bloomington, Elk River, Rochester. Go to Joe Metzler - Senior Loan Officer, Mortgages Unlimited website.
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