Bookmark and Share You've probably already talked to the bank, so you'll be happy to know we can close home loans faster, with lower interest rates, and lower closing costs than the big banks and the national internet lenders.

Since 1991, as a Minnesota based Direct Mortgage Lender, Home Mortgages are all we do. No checking accounts, no car loans. Just amazing home loans done right, and closed fast.

Our combination of home loan programs, mortgage rates, and great services are unsurpassed in the marketplace. We offer you; Purchase, Refinance, Jumbo, Conventional, MHFA Loans, FHA Loans, VA Loans, Zero Down USDA Rural Development, City Living program, Dakota County first time home buyers, reverse mortgages, plus dozens of other first time buyer options to help you clear the path to your new home. read more

When looking for a new home, smart consumers first seek pre-approval by one of our NMLS licensed mortgage professionals. You'll gain the negotiating power of a cash buyer. When making offers, you'll know you have the mortgage program to back it safe in hand.

Refinancing? We do that too...

Call (651) 705-6261 to speak with an experienced  NMLS licensed Loan Officer. This is the best way to obtain an accurate rate quote and estimate of settlement expenses.  

  1. READY TO APPLY? Use our Secure Online Mortgage Application. No Application Fee to apply for a home loan and we will NOT move forward once the application is complete without your permission.

  2. NEED JUST A QUOTE? Complete the Online Mortgage Rates Quote Form on this page. This option allows Loan Officers the opportunity to research current mortgage rates and programs, then get back to you with our accurate quote.

There are hundreds of mortgage lenders and mortgage brokers in the Minneapolis St Paul MN area to choose from all claiming to be the best:


  1. Low competitive mortgage interest rates with Rock bottom LOWEST real closing costs

  2. Mortgage Lender AND Mortgage Broker - The best of both worlds
  3. Not just call center clerks. Highly trained and licensed experts to help you select the right mortgage program
  4. Honesty and Integrity. Top MN lender 2007, 2008, 2009, 2010

Get real rate and closing cost estimates so you can see specific numbers right up front with the confidence of no surprises at closing. Our rates are typically 0.125% to 0.25% lower than the big banks and little mom-and-pop mortgage brokers, with lower closing costs, too.

We can close your loan in half the time of most of the big banks, and we keep it simple and easy! Slick advertising is not our game. We are a top MN lender, and it's not just because of our LOW rates. Its because we offer the whole package! We provides fully automated processing, with all of the latest instant approval systems. We even give you instant Email notification for each step of your loan!

With our low mortgage interest rates and low closing costs, you might be wondering about the kind of service or expertise you'll receive. You're in for a pleasant surprise. We've gone to great lengths to streamline the loan process and make it the easiest, most convenient experience imaginable. No appointment needed. No account numbers or shoebox full of financial papers. Just the information that's in your head.

Find out how good it feels to work with a Minnesota mortgage lender that delivers on both price and service, and read a few real customer comments. Then you'll know why we enjoys a 98.0% overall recommendation rating, which we'd like to point out is a far higher standard than mere satisfaction.


Home Lost Value? Home Affordable Refinance Program (HARP) can help

Interest Rates BETTER than the Banks
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Minnesota Mortgage Application
Do you want the lowest possible rate and cost combination for your mortgage loan, but are tired of trying to compare the fine print and determine the bottom-line differences between the quotes made by the various lenders?

I will guarantee you the lowest bottom-line rate and closing cost combination on your conventional fixed rate mortgage.

Free Mortgage Good Faith Estimate

Mortgage Calculator:
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Mortgages Unlimited Minnesota
33 Wentworth Ave E, St Paul, MN 55118
(651) 552-3681

Member, Minnesota Mortgage Association

Search for homes for sale - for free

Mortgages Unlimited, Inc. NMLS # 225504. Joe Metzler NMLS # 274132