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

  • Figuring out which mortgage program for buying your home in Minnesota, Wisconsin, or South Dakota can feel very overwhelming. We suggest rather that trying to figure it out on your own, you simply complete a full online mortgage application. Once we [...]

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    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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    Contract for Deed Refinance

    Many people, especially the last few years have bought a home on a Contract-for-Deed, sometimes also known as a land contract. Generally speaking, most of the contracts are balloon loans with higher interest rates, and have payments based over [...]

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    No Closing Cost Loans

    Are They A Good or Bad Idea? YOU DECIDE after reading this... One of the most confusing areas for consumers in a mortgage loan transaction are closing costs. Here I'll explain the advantages and disadvantages of the highly advertised "no closing [...]

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    Dakota County MN First Time Home Buyer Loan Program Whether you are buying an existing home or building a new one - a Dakota County First Time Home buyer Loan may help you make homeownership a reality. Homebuyers accessing a First Time Homebuyer Loan[...]

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    Waiting periods REQUIRED before getting a NEW mortgage loan in MN, WI, SD When you have a major negative credit event, like a bankruptcy, foreclosure, or short-sale, there is an automatic mandatory waiting period before traditional standard home [...]

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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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    Daily Rate Advisory

    Mortgage interest rates -- just like stock prices -- change price daily and you can win or lose a little if you don't know what you are doing. The decision to float or lock an interest rate should be based on things like; when is your closing date, [...]

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    Bad Credit Loans

    Can you get a loan AFTER a foreclosure, bankruptcy, or short sale? | Late Payments | Collections and Tax Liens | Foreclosure | Bankruptcy | Short-Sale | Extenuating Circumstances | First, Understand Your Credit Score Every mortgage company uses a [...]

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