We are Minnesota's Premier Mortgage Lender. Our combination of loan programs, rates, and services are unsurpassed in the marketplace. We are one of the largest, and fastest growing independent mortgage companies in Minnesota. We provide mortgage financing for the purchase or refinance of one to four unit family residences throughout Minnesota, western Wisconsin, and Florida. We have closed in excess of $2 billion dollars in residential loans as one of the metro areas biggest correspondent direct lenders.

As a direct lender, we are able to avail ourselves to the latest state-of-the-art automated origination and underwriting systems. By investing millions of dollars in research and development, top lenders are are now able to know in a matter of minutes that your loan is going to be approved. This has taken most of the stress of buying or refinancing a home out of the transaction.

As a result of our affiliation with numerous major national investors, and as a correspondent direct lender, we are able to offer highly attractive mortgage rates and a complete range of products that are extremely competitive within the general marketplace for people with all credit situations.

Through the years, we have learned that you need to understand that providing excellent service to every customer is what sets you apart from your competitors. This has demanded that we continue to provide good old-fashioned courteous service in a very high tech environment, at fantastic rates.

We are in the business today of making peoples home buying dreams a reality. All of our efforts are focused on those things that produce happy and loyal customers. Customers for life! In a time when institutions seem less personal and more distant, we strive for QUALITY, INTEGRITY, and PRIDE. These three business fundamentals are at the core of our philosophy. Unfortunately in today's society, they are often forgotten by those looking to make a quick dollar. With us, customer referrals and past customer business is our #1 source of new loans. We believe that providing exceptional service, and getting you the right home loan, at exceptional rates is always our FIRST priority.

TwinCityHomeLoans.com is simply the name of this web site, which is run by The Joe Metzler Group. The Joe Metzler Group consists of loan officers who work for, and close loans in Minnesota, Wisconsin, and Florida as Mortgages Unlimited, Inc, and also in Minnesota as Great Rivers Mortgage, LLC. Mortgages Unlimited and Great Rivers Mortgage are licensed and regulated according to the laws of the states we do business in.

Our Commitment to you as Mortgage Consultants

• We will return phone calls promptly.
• We will keep all parties informed, every step of the way.
• We will endeavor to resolving problems quickly.
• We will following through on each transaction right through to moving day.
• We will endeavor to act in the best interests of the customer at all times.
• We will establish a price for services upfront, in writing, based on information provided by the customer (a Good Faith Estimate), so that there are no surprises.

*The price or prices will cover all the services provided by us.

*On third party services, such as an appraisal, ordered by us, but paid for by the customer, I will provide the invoice from the third party service provider at the customer’s request.  Alternatively, I may have the payment made directly by the customer to the third party service provider (example: you pay the appraiser when he is at your home).

• We will endeavor to make my Good Faith Estimate as accurate as possible (unlike the "sunshine lenders", who quote rates & closing costs which are unrealistic, in order to get your business - then surprise you later).
• We will use my best efforts to determine the loan type, features, and lender services that best meet the customer's needs, and to find the best wholesale price for that loan.
• When directed by the customer, We will lock the terms (rate, points, and other major features) of the loan, and will provide a copy of the written confirmation of the rate lock.
• If a customer elects to float the rate/points, we will provide the customer the best rate available to that customer on the day the loan is finally locked.

Fill out our easy  Online Loan Application!

Phone (651) 456-5750

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