Mortgages Unlimited, Minnesota, Wisconsin, and South Dakota today's Mortgage Rates in Minnesota, Wisconsin, South Dakota

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Get today's MN, WI, and SD mortgage rates based on your personal qualification!
Personal Rate Quote | Daily Mortgage News - Float or Lock | The Truth about Mortgage Rates
National Averages * Your rate may vary Free Personal Rate Quote
* Rates listed above provided by a third party, and reflect national average mortgage interest rates, and assumes 1% loan origination. Your actual interest rate may vary based on your personal situation, loan type, credit scores, and closing cost choices.
MN WI SD Mortgage Application      States we serve

Get a Free interest rates and closing cost quotes - All home mortgage loans are designed to fit your specific needs and credit situation. Therefore it is hard to post one rate online that would apply to everyone.

By giving us a few details, we can provide you with an more accurate quote of our most current rates>. We are aware that many companies do post their ‘rates’ on their sites, however, because there are several variables that determine your actual rate, you may be viewing rates that are inaccurate or require such stringent qualification requirements that most borrowers do not qualify for that rate. Be careful of focusing too much on a published Interest Rate that may be a representation of a product that does not relate to your situation or the broader scope of your needs.



This loan is to

The property is/will be our

What STATE is the property?

(we lend in MN, WI and SD ONLY)

What is the property zip code ?

We are thinking of a

loan program

Amortization term of years. 10 - 30yrs available

Rate and Cost Options?

Desired Interest Rate? %

Estimated date of closing

Do you want to pay points to lower the rate?



If you are refinancing your home, answer these questions:
How much do you owe on the home? $  Combine total of 1st, 2nd, Equity Loans
Today's value of the property?$
  Lookup? Hennepin, Ramsey, Dakota, Washington, Scott, Anoka
What is your current loan rate? 1st mortgage %. 2nd mortgage %
New Loan Amount Requested? $
How to pay closing costs?
Do you escrow? YES  NO
Name of current lender?
Is your loan Fannie Mae or Freddie Mac?   Fannie  Freddie  Other  FHA VA  Unknown
Lookup:  Fannie / Freddie
What are your escrows? Taxes $ per year.
   Insurance $ per yr
Do you pay Mortgage Insurance? YES  No
  If yes, how much per month? $


If you are purchasing a home, answer these questions:
What is the (estimated) Price? $
Down Payment Size
Do you know the property taxes? $ per yr
Estimated home owners insurance? $ per year


How would YOU rate your credit?
Estimated credit score?
Have you ever had a bankruptcy?
  If "Yes", is it now discharged?
How many years has it been discharged?
Ever Had a foreclosure? Yes   No
If yes, how long ago?


* = Information Required

Full Name (first / last): *
Best Contact Phone # *
E-Mail *
Address *
State   Zip *
Other Information: Please write in any other information you feel is important to us making our rate quote
How How did you find us? 
  Prove you are human

What is plus ?
This is not a full application. There are no obligations


PRIVACY: In accordance with The Privacy of Consumer Financial Information Act, we understands that any information given by the customer for mortgage purposes will be used only for loan approval. Any personal information given on this web site will not be re-distributed or sold in any manner whatsoever. This is a SECURE form. Your information will be encrypted before being sent.

RATE GUARANTEE: In order to receive a guaranteed rate, you must have applied for an application through the Metzler Team at Mortgages Unlimited and received a WRITTEN confirmation from a loan officer that your desired rate is locked. Your guaranteed mortgage rate will depend on factors such as current market conditions, loan product, occupancy, property type and your credit profile. Minnesota residents must receive a written confirmation as required by Minnesota Statute 47.206.This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. Rates, points and programs are subject to change without notice and cannot be guaranteed.

Sound Design, Sound Engineer, Foley, ADR, Sound Editing, Video Editing, Freelance, Minneapolis, MN, Michael Metzler

The Truth About Mortgage Interest Rates:

While you see interest rates online, or in printed material such as newspapers, you must understand all lenders have the same basic interest rates and hard costs. No one lender is able to be significantly better than anyone else. It is all about the advertising, and the rate and costs combinations. It is our belief that posting rates is basically unfair to the average customer. Rates listed here are a basic indication of where the market is at, as opposed to what you may actually receive, because:

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1) Quoting rates without understanding the customers exact situation, or having a full application CAN BE VERY misleading. Many things effect your actual rate. Loan-to-value, credit scores, state the property is in, closing costs, and much more. Only a professional analysis from a licensed loan officer will generate an accurate quote.

2) We are in a world economy and interest rate fluctuations occur around the clock. Interest rates are changing ever second of the day and unless you communicate with a loan officer and get information at that moment in time, you could be making a poor decision. Most lenders, as well as us, change their pricing throughout the day. It is nearly impossible to always keep a web site 100% current.

3) Quoting interest rates when you can’t lock (after hours), or when you a mortgage lenders hasn't reviewed a full application, therefore not being in an actual position to lock, is not in your best interest.

4) If you are buying, and do not have a house picked out, many lenders knowing quote low to get your business and stop you from shopping because then do not have to honor what they quote today!

5) Most automated online rates quote systems only calculate a "best case" situation, and nothing is guaranteed until the lender has taken a full mortgage application, reviewed all documents v ital to your transaction, including W2's, pay stubs, banks statements, a credit report, and appraisal.

Why can rates on this web site be different from those with other company Loan Officers or branch office? Given the exact same information, you should see the exact same quote.

About Interest Rates: Searching rates on home loans, or rates for refinancing your mortgage in MN, WI, or SD? We have some of the best rates on home loans!

Remember, no lender is able to quote 100% accurate rates until they have a full application, have reviewed credit, etc. Rates posted here are an indication of where the market is generally at, as opposed to what you may actually receive.

Although you may see Interest Rates published on the Internet and in the Minneapolis paper, or your local newspaper, many times these are primarily "teaser" rates. Be careful of focusing too much on a published Interest Rate from sources such as the newspaper, or on the Internet, that appear to be objective, but are really items they push for their paid advertisers. They appear competitive, but may really be a representation of a product that does not relate to your situation, or more often, comes loaded with points or costs you do not want to pay. Your final interest rate will be determined by several factors, including credit, loan amount, loan-to-value ratio, and debt ratio. 

We maintain the lowest TRUE closing costs in the industry, and the Minneapolis, St Paul Minnesota area. Even for first time home buyers! When comparing rates in Minnesota, Wisconsin, and South Dakota, be sure to compare closing costs too. An Interest Rate quote is just the tip of the iceberg, and basically meaningless unless you know who your dealing with, and fully understand the associated costs! There is so much more to your loan than looking at some low teaser rates through some automated web site quoting system! That is why you won't find rates here. We believe in accurate quoting based on your exact situation.

Our lender closing costs and Third Party Fees are extremely low, as we DO NOT add any junk fees to your closing costs. Don't sacrifice service, your time, and your credit scores shopping when we offer a Satisfaction Guaranteed Rate

We remain as one of the most popular mortgage sites on the Internet or Minnesota, Wisconsin, and South Dakota homeowners, and it's not just because of our LOW rates. Its because we offer the whole package!

We are a Minnesota based direct lender and mortgage broker, giving you the best of both worlds. We offer great rates, qualified Loan Officers, and a wide range of products. We keep it simple! Slick advertising is not our game. We think MATH and so should you! Before choosing any lender, read "Rate Shopping" and learn how to cut through the advertising BS!


We provides fully automated processing, with all of the latest approval systems, and give you instant Email notification of each step of your loan! As both mortgage bankers and mortgage brokers, our clients receive double benefits with one loan application.  

    • Knowledgeable experience mortgage consultants
    • Instant, on the spot, and accurate, Good Faith Estimates (no obligations)
    • quick review of the mortgage process (so there are no lost opportunities or misunderstandings)
    • Creative ways to save you money! (you may not think of everything, but we do!

Best Rate or Lowest Cost? Don't be fooled by one or the other. Read this article for eye opening information.
Beware of the BAD Good Faith Estimate Avoid the pitfalls of misleading estimates.
Using APR to select your loan CAN COST YOU MONEY! The lowest APR does not automatically mean the best deal.
Long Term Locks Not closing for awhile? Click here for long-term lock information.
Thinking of breaking a rate lock? It may not be worth it!

Due to the ever-changing nature of mortgage interest rates, it is almost impossible to keep a web site current. For example, a client may visit the site at 12:00 PM only to call at 2:00 PM and find that the rates have changed. Therefore, we prefer you contact us for a more accurate and expedient method in relaying current interest rates to our prospective clients.  

          MORE Minnesota, Wisconsin, and South Dakota Mortgage rate information           

  • The Law REQUIRES ALL LENDERS TO QUOTE "APR", not interest rate. It is almost impossible to quote APR (annual percentage rate) without discussing the exact details of your specific transaction with you. If you have less than 20% down or equity, make sure they include PMI in the APR (as required by law).

  • Due to the instability of the financial markets, interest rates are subject to change without notice. Sometime two or more times in one business day! Any rate posted at 10:00 AM may no longer be available at 11:00 AM.

  • Interest rate may vary depending upon your unique credit history and the transaction, plus you may not qualify for the desired rate or program.

  • Most online rate quotes "assume" a 20% down payment, and a 30-day lock. This may not fit your needs, and could easily distort your rate shopping.

  • Most online rate quotes are for loan amounts about $200,000

  • While rate is important, you have to look at the overall cost of your loan. (Click HERE for REAL closing cost information) This includes looking at the APR, the loan fees, as well as the discount points and origination fees. Some lenders include origination in their quotes, while other lenders add origination in addition to their quoted points. So when one lenders says 2 points they mean 2 points, whereas another lender means 2 points plus 1% origination. Some lenders quote "lender fees plus prepaids" when you ask about closing costs, where other lenders quote every penny required to complete the transaction.  The quoted difference can APPEAR to be thousands of dollars, when in reality, it is not. Be sure to read "Beware of the BAD Good Faith Estimate" so you don't get taken by misleading information.

  • The cost/rate of the mortgage, however, cannot be your only criteria. There is no substitute for asking family and friends for referrals and for interviewing prospective mortgage companies. You must also feel comfortable that the loan officer you are dealing with is committed to your best interests and will deliver what he/she promises! That the company knows how to do Wisconsin, Minnesota, and South Dakota mortgage loans, and that the loan will actually close. Communication with your loan officer is too important to let a "lowest rate" quote on the Internet make your lender decision. CLICK HERE to see our Mortgage Lender Commitment To You.

  • Avoid Internet Lenders and Stick with a Local Company!


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

(651) 552-3681  

Top Minneapolis Mortgage Lender 2012 Member in Good Standings, Minnesota Mortgage Association

Our services available only for properties located in Minnesota, Wisconsin, and South Dakota. Licensed as Mortgages Unlimited, Inc. NMLS # 225504. 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 - 2018 Joe Metzler. This is the private web site of Joe Metzler, NMLS #274132. All Rights Reserved.