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• I appreciate the update to my rate (5.5% is fantastic). I also appreciate how you handle these type of situations. I only wish I had a need to refinance my house more often. Thanks. Steve P.

• I previously refinanced my mortgage with you and had a good experience and you were able to obtain a very good rate and reasonable costs.  I now have a fellow physician who's in town to buy a house and I'd like to provide him with a quote from you if possible and then hopefully have him contact you to get preapproved.  Would you send me a quote for a 500K 30year mortgage including a GFE, assuming 20% down payment, and of course I don't have any info about insurance or taxes. Thanks and I look forward to hearing from you and hopefully I can send you some more business. - Dr. Keith W.

• I am in the course of preparing a Continuing Education seminar on the general subject of Predatory Lending.  A major segment of the course will center around Truth in Lending, particularly the Good Faith Estimate.  The attendees will be attorneys and other licensed professionals who need to fulfill CE hours to maintain their licenses (e.g., realtors, appraisers, title insurance licensees).Inasmuch as I have been in the title, escrow and closing business for over 20 years, I am finely atturned to the ways mortgage brokers deceive their borrowers while remaining in basic compliance with TIL.  In doing my own research on the internet - particularly at looking at the promotions of mortgage brokers - I came across your site.  I was startled by both the directness of your advertising and the absolutely right on visual analyses you display on how the lending system "really" works. May I have your permission to borrow your material - with full proper accredation of course - as an aid to this instruction?
  Edward D. Hayman, President/Attorney
  Rockwell Title
  1370 West 6th St.
  Cleveland, OH 44113
  

• "I was working with you, but during the process, I stumbled across a broker called "Bxxxxxxe Mortgage" from St. Louis Park, who claims to have the 'Best Rate'. Their rate was 1/4% better in their advertisments. Without getting upset over possibly losing my business, you explained how their bait & switch operation worked, and gave me the questions to ask them. HE WAS RIGHT. Their quoted rates were not real. They were NOT able to lock me at the rate they claimed without a full and complete file delivered to their real lender within seven days. I would have been in for a big surprise if I had gone with them. I closed my loan with Joe Metzler, and couldn't have been happier. Thanks Joe!"
  -Charles E.

• "If you come to my office with an approval letter from some internet mortgage company, or someone I've never heard of, I will NOT accept it. On the other hand, just knowing that you are working with Joe puts my mind at ease. If he says you are approved. You are!"
  -Chuck Stickler - Realtor. Coldwell Banker Burnett

• "Just wanted to thank you for the outstanding service we received from you and your company.  After the extremely poor and frustrating experience with Cendant Mortgage, we appreciated it."
  -Jeff & Suzanne O.

• "It has been a sellers market for some time now! There are very often multiple offers right away on homes. I can't afford to have my real estate clients offers rejected because I submitted it with an approval letter from Jimbo Bob's Fly By Night Mortgage. Agents in the Twin Cities area know Joe has a solid reputation as a completely reliable lender. That goes a long way in our offers getting maximum consideration. I tell buyers that supposedly saving $100 on closing costs with some out state internet lender isn't a deal. Heck, I won't even show people homes, let alone make an offer with an approval letter from those lenders!"
  -Steve Thurman. Realtor-GRI

• "You have a great web site! Thank you for providing this valuable information on-line. After reading your "Beware of the Bad Good Faith Estimate" page, I asked the Florida lender I was using for more information. It was like pulling teeth. I decided to go with them anyway. They offered the same great rate as you, yet "appeared" to be thousands cheaper. You told me their estimate numbers were not true, yet I didn't belive you! As you already know, at closing, nothing was the same. We did one thing right! We followed your advice, and walked out of the closing without signing anything. Thank you ever so much for closing our loan! You did it in just 5 days, and your numbers were right on! Congratulations on doing it right."
  -Pamela P.

• "I wish to say thanks for your time and devotion in financing our home. Our loan was probably an unthinkable task, you held the keys and knowledge to unlock our dreams. I NEVER thought I could buy a home until I talked with you!
   - Todd and Virginia

• "Thank you…for going above and beyond your job. You showed me how I could save $247.00 a month and still pay off my loan in 15 years"
   - Mike
• "Joe Metzler is very positive and helpful. We also looked at some of the big banks, but Joe was outstanding for service, warmth, understanding, and enthusiasm. He is a great asset to your company. He must be your top loan officer. I would recommend him to all our friends!"
   - Mike
• "Joe is truly an asset to your company. As a result of his dedication, we did not worry about the mortgage at all. He is knowledgeable, conscientious & innovative. We felt as if we were his only customer!
   - Lynette and Mike
• "My mortgage experience (which was a "painful" process on our first home) was upbeat, positive, professional and most of all personal. I couldn't begin to say enough positive things about Joe Metzler. He held our hand the entire way!
   - Tom & Courtney
• "Joe, you are the man! I was already approved with another lender who I thought was charging to much, but it was only three days until closing. You explained what to look for when I called him back. With your help, I saved over 1% in interest, and you didn't even do my loan. I tell ALL my friends about you! P.S. Next house, you are doing my financing!
   - Arlow
• "Joe Metzler was great to us! We thank him from the bottom of our hearts for giving us the opportunity to own our own home! We had talked with a couple of other lenders, none of them explained things like you did. Thank you very much!
   - Chris
• "We built a new home. Construction took 5 months. Joe's Good Faith Estimate was off only $11.23"
  - Gene & Natalya

• "Thank you again for all of your help on our mortgage. We had badly bruised credit, yet he put us in the house of our dreams. Thanks Joe"
   - Mark & Denise

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