• (651) 552-3681

    Home Purchase - Home Refinance
    Serving MN WI IA ND SD CO FL

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  • Why Top Real Estate Agents Recommend the Joe Metzler Team

    Agents, your comfort may be costing you a lot of income

    We know there is a Loan Officer on every corner, telling you how great their rates are, and promising to help grow your business. As you know, most of those promises fall flat. We also know it's scary for you to try a new lender, so you stick with the one you know.

    My unique advantage is that I have been in the home loan business over 25-years. Experience is everything in this industry, and as a top 1% Loan Officer in the country, I have the experience of all facets of mortgage lending to help you to the closing table.

    I can tell you that getting a home loan approved and closed IS CHALLENGING in today's market, and LOW LEVEL application clerks at the big banks and large internet lenders fall very short. You need the right person on your team.

    Please take a moment to read this entire page to see why we are a lot more than empty promises, and worth trying out as your new lender partner

    "All Loan Officers have great rates, competitive closing costs, and multiple programs. It's everything else that Real Estate Agents need to be concerned about." - Joe Metzler

    Why Top Real Estate Agents Trust Joe Metzler with their clients:



    Joe strives to establish mutually beneficial relationships with Realtors. His goal is to not just ensure all of your clients loans close smoothly, but to work as a team to build each other’s business.

    I understand that mortgages are not a one-size-fits-all business, and I take pride in understanding my client's financial scenario and identifying the loan that best suits their needs.  I know what happens at each step of the home loan process and why. Your home is the single largest item you will ever finance and the process shouldn’t have to be so hard, confusing, or scary and you shouldn’t have to do it alone. 

    With an expertise in all aspects of home mortgages, I can cater to both simple and challenging scenarios. I often assume files that others can't figure out how to get approved, primarily due to lack of experience.

    Easy or hard, I appreciate the opportunity to assist you in making your home ownership dreams become reality. I am your partner from start to finish. So what sets me apart from everybody else? Communication, Responsiveness, Accuracy, Turnaround and most importantly…….. Close on Time, Every Time!!!

    • Experienced. I have been in the industry over 25-years and know how to get things done.
    • We meet your contract dates.
    • We give YOU Referrals to increase your business.
    • Joe is top rated both locally and nationally (see list below)
    • Prospect Campaign to ensure none of your valuable leads ever slip through the cracks.
    • Re-Marketing Campaign that can get you in front of thousands of your client’s co-workers, friends, and neighbors
    • Internet Marketing - We have over 10 specific loan program web sites to drive customers to both of us
    • Smoother Transactions. None of that broker crap. In-House Underwriting, Constant Communication, and No Surprises.
    • More than one source of funding in house and the ability to broker unusual files
    • Team approach. We will work together with you as a team during all aspects of the transaction. We cross sell how great you are, before, during, and after the transaction has closed.
    • Satisfied Clients. We have systems in place to ensure your clients are satisfied, with rave reviews for future referrals

    Our after close campaign

    • After Close Thank You Cards
    • Client Surveys
    • Birthday Cards
    • Quarterly Phone Calls
    • Annual Mortgage Review- We provide this service to our client’s friends and family which in turn will find you referrals. Of course the more prospects you refer for this service the more referrals this will generate for you.
    • We survey our clients to meet new referral partners such as Insurance Agents, CPA’s, and Financial Planners who we then work with to find you referrals.
    • Mailers every 60 days
    • Monthly E-Newsletters
    • Full Email Campaign with dozens of touches per year

    Call me or schedule a meeting below. Increase your income tomorrow!

    Finding a Loan Officer who provides top notch personal service to get more people approved and closed quickly without wasting your time is easy if you are looking in the right spot.

    Joe and Eric Metzler have the experience that you need. Over 40-years combined experience as a leader in the industry. Joe is a Certified Minnesota Mortgage Specialist (MMS), a Certified Home Ownership Accelerator Specialist, a founding member of the Honest Mortgage Brokers Association (UMB), and former Vice-President of Great Rivers Mortgage. Joe Metzler is also a 1998 graduate of the Residential Mortgage Lending School, a member of the National Association of Mortgage Brokers, and the Minnesota Mortgage Association.

    TOP RATED: Who are you working with? Did you know Joe Metzler was:

    • 2022, 2021, 2020, 2019, 2018 - Super Mortgage Professional
    • 2018 - Top 300 Loan Officer Nationwide (Origination News)
    • 2016 - Top 300 Loan Officer Nationwide (Origination news)
    • 2015 - Top 300 Loan Officer Nationwide (Origination News)
    • 2014 - Loan Officer of the Year (Minnesota Mortgage Association
    • 2011 - Next 40 Mortgage Professionals to Watch (National Mortgage Professional Magazine)
    • 2010 - Top 150 Loan Officer Nationwide (Origination News)



    • In-House Originating, Processing, and Underwriting.
    • Full Underwriter reviewed pre-approvals (not just the more common Loan Officer reviewed pre-approvals)
    • More qualified leads from us = more income to you
    • Prompt return of pages and messages
    • Smartphone app - Track your files instantly. Push notification of major file milestones Install App
    • Weekly updates on all loans in process to all Sales Associates
    • Automatic computerized "Loan Status Reports" on the customers loan progress
    • Point of Sale Approvals via Laptop Computers
    • Wide range of loans - Including:
      • Fannie and Freddie
      • FHA loans, including 203k rehab
      • VA loans
      • MHFA
      • First time home buyer and down payment assistance
      • USDA Rural Development
      • Non QM, like Bank statement loans, and asset based programs.
      • We are NOT limited to the single offerings of one bank, like you get with the typical in-house lender or big bank. We offer the products of multiple institutions nationwide, giving you and your customers the best financing opportunities. We offer the products of multiple institutions nationwide, giving you and your customers the best financing opportunities
    • Computerized database management of your prospects and joint mail outs for all prospective leads
    • Closing package delivered to title company a couple of days before closing of original date of closing. We even review the closing statement with each and every borrower BEFORE closing so there are no surprises.
    • I will handle all the details from application to closing. You will have only one number to remember and one person to talk to!
    • An Entire Team of Professionals Dedicated to Delivering the Service You Need and the Value Your Customers Deserve

    “My top priority is to be the best service oriented loan officer in the business.” - Joe Metzler

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