Business Details
28 Years
experience
Your Trusted Mortgage Lending Partner in Saint Paul, MN
Mortgages Unlimited, led by Joe Metzler, has been a trusted mortgage lending partner since 1998, serving clients across Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, and Florida. Our team combines over 50 years of combined industry experience with a commitment to personalized service, ensuring each client receives tailored mortgage solutions that align with their financial goals. We specialize in a wide range of loan programs, including FHA, VA, jumbo, and cash-out refinance options, while leveraging technology for streamlined digital processes and real-time loan updates.Recognized as the 2024 Mortgage Broker of the Year by the National Association of Mortgage Brokers, we prioritize transparency, competitive rates, and exceptional customer support. Our approach blends the efficiency of modern tools with the irreplaceable value of human expertise, guiding clients through every step of the homebuying or refinancing journey. With a 98% client recommendation rate, we remain dedicated to simplifying mortgage complexities and delivering stress-free experiences for first-time buyers, investors, and everyone in between.
Services
Mortgage Loan Origination
Refinancing Services
FHA Loans
VA Loans
Cash-Out Refinance
Jumbo Loans
First-Time Homebuyer Programs
Investor Mortgage Solutions
HomeStyle Renovation Loans
USDA Loans
Details
- Year established: 1998
Highlights and features
- We offer 50+ years of combined mortgage industry experience.
- Our team won the 2024 National Mortgage Broker of the Year award.
- We provide personalized service with 24/7 availability for clients.
- Our streamlined digital process includes real-time loan updates via app.
- We guarantee competitive rates and transparent closing cost estimates.
What people say
Very informative
Great trouble shooters
Made the process simple
Experts in their fields
Competitive rates
Services
Mortgage Loan Origination
Mortgages Unlimited specializes in customized mortgage origination for first-time buyers and experienced homeowners. We analyze your financial situation to recommend optimal loan programs, including conventional, FHA, and VA options. Our streamlined process features digital applications, electronic signatures, and real-time status updates through our mobile app.
Cash-Out Refinance
Our cash-out refinance program helps clients consolidate high-interest debt into lower-rate mortgages. This solution simplifies payments while potentially reducing monthly obligations. We guide clients through equity assessment, documentation requirements, and rate-lock strategies to maximize financial benefits during the refinancing process.
VA Loans
We offer specialized VA loan services for eligible veterans and active-duty personnel. Our team handles certificate of eligibility verification, funding fee calculations, and streamlined refinancing options. These zero-down-payment loans feature competitive rates and flexible underwriting standards to honor military service members' homeownership goals.
First-Time Homebuyer Programs
Our first-time homebuyer services include educational resources, down payment assistance guidance, and specialized loan programs. We explain mortgage basics, credit requirements, and closing cost estimates while connecting clients with local and national support initiatives for new homeowners.
Jumbo Loans
Mortgages Unlimited provides jumbo loan solutions for high-value properties exceeding conventional loan limits. Our experts navigate complex underwriting requirements, offering competitive rates and flexible terms for luxury home purchases or refinancing in premium real estate markets across our service areas.
People
Joe Metzler
Loan Officer
With over 25 years of mortgage expertise, Joe Metzler leads Mortgages Unlimited's team as a licensed professional in seven states. His client-focused approach combines deep industry knowledge with personalized guidance, earning national recognition as 2024 Mortgage Broker of the Year.
Eric Metzler
Loan Officer
Eric Metzler brings specialized skills in complex loan scenarios, including asset depletion and investor financing. As a licensed mortgage professional, he collaborates with Joe to deliver tailored solutions for clients' unique financial situations across multiple states.
Questions
What mortgage loan types do you offer?
We provide FHA, VA, jumbo, conventional, USDA, and cash-out refinance loans, along with specialized programs for first-time buyers and investors.
How can I get pre-approved for a mortgage?
Start with our online quick quote form or full application. We'll review your financial details and provide a pre-approval letter within 24-48 hours.
Do you offer mortgage services outside Minnesota?
Yes, we serve clients in Wisconsin, Iowa, North Dakota, South Dakota, Colorado, and Florida with licensed professionals in each state.
What is your refinancing process?
Our refinancing process includes a personalized rate quote, document submission, and streamlined approval. We help clients evaluate cash-out options, rate reductions, and loan term adjustments.
How do I check current mortgage rates?
Visit our website for daily rate updates or complete a quick quote form for a personalized rate based on your specific financial profile.
