See Today's LIVE Mortgage RATES
based on your Exact Personal Situation

MN and WI only

Today's Base Rates

Click HERE to apply online

Underwater? Has your home lost value? HARP (Home Affordable Refinance Program) can HELP.

Do to the nature of these loans, HARP Refinance Loans require a quote from an actual Loan Officer - Click here for a HARP Refinance Quote

While we do everything possible to make this information accurate, a full application, including a review of your supporting documents, including W2's, pay stubs, bank statements, a credit report, and appraisal are all required to guarantee the exact interest rate and closing costs you will be offered. Not an offer to extend credit per Regulation Z.

In order to receive a guaranteed rate, you must have applied for an application through the Metzler Team at Mortgages Unlimited and received a WRITTEN confirmation from a loan officer that your desired rate is locked. Your guaranteed mortgage rate will depend on factors such as current market conditions, loan product, occupancy, property type and your credit profile. Minnesota residents must receive a written confirmation as required by Minnesota Statute 47.206.

This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. Rates, points and programs are subject to change without notice and cannot be guaranteed.

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The Truth About Interest Rates: While you see interest rates online, or in printed material such as newspapers, you must understand all lenders have the same basic interest rates and hard costs. No one lender is able to be significantly better than anyone else. It is all about the advertising, and the rate and costs combinations. It is our belief that posting rates is basically unfair to the average customer. Rates listed here are a basic indication of where the market is at, as opposed to what you may actually receive, because:

1) Quoting rates without understanding the customers exact situation, or having a full application is VERY misleading. Many things effect your actual rate. Loan-to-value, credit scores, state the property is in, closing costs, and much more.

2) We are in a world economy and interest rate fluctuations occur around the clock. Interest rates are changing ever second of the day and unless you communicate with a loan officer and get information at that moment in time, you could be making a poor decision. Most lenders, as well as us, change their pricing throughout the day. It is nearly impossible to always keep a web site 100% current.

3) Quoting interest rates when you can’t lock (after hours), or when you haven't filled out a full application, therefore not being in an actual position TO lock, is not in your best interest.

4) If you are buying, and do not have a house picked out, many lenders knowing quote low to get your business and stop you from shopping because then do not have to honor what they quote today!

5) Most automated online rates quote systems (even ours) can only calculate a standard situation, and nothing is guaranteed until the lender has taken a full mortgage application, reviewed all documents v ital to your transaction, including W2's, pay stubs, banks statements, a credit report, and appraisal.

Why can rates on this web site be different from those with other company Loan Officers or branch office? Rates on this site are discounted due to the streamlined process we have for online approvals. If you need to talk to a loan officer about a loan at one of our other lending offices, the rates quoted may be different. This usually is because they have already professionally analyzed your complete application, and these rates may not apply to your exact situation.

Rates listed and quoted on this site are only available to those individuals who apply and are approved for a mortgage loan through a Metzler Team at Mortgages Unlimited, Inc web site or by calling (651) 552-3681.

About Interest Rates: Searching rates on home loans, or rates for refinancing your mortgage in MN or WI? We have some of the best rates on home loans!

Remember, no lender is able to quote 100% accurate rates until they have a full application, have reviewed credit, etc. Rates posted here are an indication of where the market is generally at, as opposed to what you may actually receive.

Although you may see Interest Rates published on the Internet and in the Minneapolis paper or your local newspaper, many times these are primarily "teaser" rates. Be careful of focusing too much on a published Interest Rate from sources such as the newspaper, or on the Internet, that appear to be objective, but are really items they push for their paid advertisers. They appear competitive, but may really be a representation of a product that does not relate to your situation, or more often, comes loaded with points or costs you do not want to pay. Your final interest rate will be determined by several factors, including credit, loan amount, loan-to-value ratio, and debt ratio.

We maintain the lowest TRUE closing costs in the industry, and the Minneapolis, St Paul Minnesota area. Even for first time home buyers! When comparing rates in Minnesota, be sure to compare closing costs too. An Interest Rate quote is just the tip of the iceberg, and basically meaningless unless you know who your dealing with, and fully understand the associated costs! There is so much more to your loan than looking at some low teaser rates through some automated web site quoting system! That is why you won't find rates here. We believe in accurate quoting based on your exact situation.

Get a Mortgage in MN! Our lender closing costs and Third Party Fees are extremely low, as we DO NOT add any junk fees to your closing costs. Don't sacrifice service, your time, and your credit scores shopping when we offer a Satisfaction Guaranteed Rate

We remain as one of the most popular Minnesota mortgage sites on the Internet and it's not just because of our LOW rates. Its because we offer the whole package!

We are a Minnesota based direct lender and mortgage broker, giving you the best of both worlds. We offer great rates, qualified Loan Officers, and a wide range of products. We keep it simple! Slick advertising is not our game. We think MATH and so should you! Before choosing any lender, read "Rate Shopping" and learn how to cut through the advertising BS!

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

Member, Minnesota Mortgage Association

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