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MHFA and FHA Home Loans - First Time Home Buyer Experts
Serving Minneapolis, St. Paul, all of Minnesota, and Western Wisconsin

(651) 552-3681
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PLEASE DO NOT KEEP US A SECRET FROM YOUR FRIENDS!

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(651) 70-LOAN1
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Minneapolis St Paul Business Journal has recognized Mortgages Unlimited as one of the top 25 locally owned mortgage lenders in Minnesota.

Who are you thinking of doing business with?

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About Mortgages Unlimited, Inc  and the Joe Metzler Team

As a Direct Mortgage Lender, our combination of loan programs, rates, and services are unsurpassed in the marketplace.  We deliver value-added loan solutions to fit every clients needs. Our goal is simple—to offer the unlimited loan options of a major lender with the personal service and feel of a family-owned business. We take great pride in our corporate values—strong ethics, family values and teamwork.

Direct Lender - Banker & Broker
As a private, locally owned Minnesota based direct lender, established in 1991. We have funded over $3 billion dollars worth on local loans,  and we are consistently ranked as on of the top non-bank lender in Minnesota.  We are unique, as we are Mortgage Bankers and Mortgage Brokers. This means that we can lend our own money (giving you the best deal). Of course, if we don't offer a specific product, or if it is more beneficial to our borrower, we can broker the loan to our nationwide lender network. Furthermore, with our affiliation with Lenders One, we are part of the Nations largest lending coop. Nationwide buying power is combined with local knowledge and service. This means that now matter your situation, there is a strong possibility we can help you. Why shop anywhere else?

Our Philosophy "Customers for Life"
A strong and genuine belief in the "customer for life" principle of doing business is what fuels this company. Referrals from previous customers and local real estate professionals have always delivered the majority of the Company's production. We are committed to the ethical delivery of mortgage loans. View our
Satisfaction Guarantee, and Code of Ethics.

Low rates and fees through knowledge and technology
We use the most advanced technology available to close loans quickly, at a low cost. By combining the use of the Internet along with advanced processing software and automated underwriting systems we have taken the mystery out of approving and closing a home loan.

We have a large and varied portfolio of lending options that allow us to match your specific borrowing needs. We view our clients as partners and we strive to make the entire loan process simple and stress free by:

  • Communicating Throughout the Process
  • Providing Honest and Ethical Solutions
  • Building Trusting Relationships
  • Exceeding Your Expectations

The culture here mirrors that of many smaller companies—strong ethics, family values and teamwork—but the reality is a company poised for long-term, sustained growth.

The owners strongly believe in delivering trust making the home buyer’s needs a service priority. They view clients as more than customers. Mortgages Unlimited clients are partners, not just for the short term, but for life. It’s because of this concept that Mortgages Unlimited thrives, and is growing in today's market.

The team environment here ensures that clients’ finances are handled in a professional and efficient manner. From the application process to the closing date and beyond, the communication lines are always open. Our goal is to make the loan process simple and stress free.

My team and I have the ability to give you the personalized home mortgage loan experience you expect on these, and many other programs:

  • Purchase a home

  • Refinance your home

  • Jumbo Loans

  • Conventional financing

  • FHA Loans and VA Loans- Including FHA Streamline refinances

  • Zero down payment loans (including USDA Rural Development Loans)

  • First time home buyer

  • Cash-Out Refinance

  • No closing cost refinance

  • "Making Homes Affordable" refinance of both Fannie Mae and Freddie Mac loans up to 125% loan-to-value

Joe is also highly regarded in the mortgage industry, having been interviewed and quoted on TV, radio, and print press. Here are a couple of recent quotes from major publications:

See Joe Metzler on Fox 9 News
Read Joe Metzler quoted at BANKRATE.com
See what Joe Metzler has to say about current mortgage interest rates on MSNBC.com
See Joe Metzler quoted by Reuters News Agency

MY NUMBER 1 MORTGAGE SHOPPING TIP: Google the Loan Officer you are thinking of working with! Do you get any hits? What are they? Does the Loan Officer appear to be highly respected and quoted with lots of links? Then you are probably working with a professional. Can't find anything, or maybe just a listing on the company web site? That probably wouldn't be who I would pick to handle my largest financial transaction.

Check out what Google has to say about Joe Metzler
Check out what YAHOO has to say about Joe Metzler
Check out what BING has to say about Joe Metzler


"Who needs paid endorsers when customers say nice things about you for free!"
"Satisfied clients don't come easy.  It requires knowledge, commitment, and dedication, combined with excellent rates and costs" - Joe Metzler

  • Joe is genuinely concerned about finding the BEST loan for you. Very honest and hard working. I will refer all my friends to Joe. Emily S. (April 2006)

  • Very informative. Made the process easy. Joe worked with us as a client, not a loan number. Eugene and Linda G. (Oct. 2005)

  • Professional. Made a person feel very at ease.  Answered all my questions and concerns. Super good listener. Bruce S. (Aug. 2005)

  • Joe is very friendly and straight forward. I would recommend a friend, relative, or colleague to Joe. - Angela B. (Sept. 2005)

  • This is the second time we have used Joe as our loan officer. He is very good and works hard for his clients. We will use him again and would refer others to him!
    Robert and Emilie W. (Aug. 2005)

  • Thank you for taking the time to educate us - it helped us make the right decision. Education is the key to making good business and financial decisions. We appreciate the time and attention we were given. Alan and Laurie W. (Aug. 2005)

  • Hi, Joe and Eric, As I'm sure you assumed, everything went well yesterday.  I have developed a bad case of carpal tunnel...  Although you both have explained things to me, there are a few questions I might have, but I won't ask them until I have looked more carefully at the documents I brought home with me.  I have been telling everyone I talk to about you two; you may hear from one or two of them in the near future.  I hope you are still in this business when I am ready to do this again.  You are a valuable resource, and beyond that, you have both earned my trust, admiration and respect, and unwavering loyalty. As you told me that first time I talked to you, Joe, you truly have very little competition. Thank you. Ronda W. (July 1, 2005)

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    Joe Metzler, MMS, UMB
    Certified MN Mortgage Specialist
    33 Wentworth Ave E, #290
    West St Paul, MN 55118

    Ph (651) 552-3681
    Map
    Fax (651) 994-6425

    MAMB

     Minnesota Equal Housing LenderEqual Housing Lender - Our services available only for properties located in Minnesota and Wisconsin. PLEASE DO NOT KEEP US A SECRET from your FRIENDS. Licensed as Mortgages Unlimited, Inc. As a Lenders One partner, we are part of the 3rd Largest Retail Mortgage Originators in the country. We were constantly ranked as one of the largest 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 Copyright 1998-2010. Metzler Enterprises, LLC. All Rights Reserved.

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