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

  • 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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    VA Loan FAQ

    How do I apply for a VA Home Loan? You can apply for a VA home loan at any mortgage company that participates in the VA home loan program.  For example, if you are buying a home in Minnesota, Wisconsin, or South Dakota, you can call us at (651) [...]

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    MN First Time Homebuyer Classes

    Minneapolis / St Paul, MN: Buying your first home can be a fun exciting time. It can also be stressful, especially as there is a lot of misinformation spread from well intended friends, family, and even Real Estate Agents. When it comes to first time[...]

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    The first step to successfully getting a mortgage loan is to provide the lender a complete application, then to supply your supporting documentation. Providing complete and accurate information will permit us to process the loan with greater [...]

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