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(651) 552-3681 Service Sets Us Apart
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Best MN and WI
Mortgage Rates, Home Loans, and Closing Cost
Information - 3 Easy Options
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"Thanks
for helping us get this done, didn't really think it would
happen. I called on a whim because you had placed my
original mortgage on this house. Now we will be enjoying a
lower house payment for years to come. Best wishes to you."
- Angie W.
(Read
our client testimonials)
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Option 1)
Call the Metzler Group at Mortgages Unlimited at (651) 705-6261. Speaking with a live experienced Loan Officer is
easily the best way to apply, or to obtain an accurate interest rate quote and a
Good Faith Estimate of
closing costs.
Option 2)
READY TO APPLY ONLINE? Our Secure Online Mortgage Application is available 24/7. Mortgages
Unlimited does not charge an application fee to apply, and we will only move
forward with your permission.
Option 3)
WANT JUST QUICK QUOTE? Complete the Online
Mortgage Rate Quote Form. This option allows
Loan Officers the opportunity to research current interest rates and
programs, then get back to you with our accurate quote.
As a
Direct Mortgage Lender, we BEAT THE BANKS
everyday with our
combination of loan programs, rates, and services. We do it all, and we do it cheaper,
faster, and with better service. Buying a home loans, Refinancing loans, Jumbo
loans, Standard Conventional loans (Fannie Mae / Freddie Mac), FHA loans, VA loans, MHFA CASA, USDA
Rural Development zero
down, Dakota County First Time Home Buyer, City Living, first time
home buyer, grants, HUD
homes, Fannie Mae HomePath, reverse mortgages, mortgages for
self-employed people, and more.
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TOP
REASONS YOU SHOULD HAVE US HELP YOU:
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- Minnesota based - not some out-state 800 number
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Professional highly trained
experts to help you select the right mortgage
program
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Not just application takers.
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Honesty, Integrity, Experience.
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We make the process easy, convenient, and painless |
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Conducting Your Minnesota or Wisconsin Mortgage Rate and Lender Search
Shopping for a home loan has never been this easy. To obtain the
most accurate and up-to-date mortgage rate quote for your loan scenario, call us toll
free at 651-70-LOAN1 (651-705-6261). If you are simply shopping for a
mortgage, you can fill-out our easy Rate Quote Form and someone will usually
contact you within minutes with that information. You can also initiate the
application process by completing our Secure Online Application. We advertises
our services in many places and we are committed to honoring the displayed rates
and mortgage closing costs as defined by the various publishers' guidelines. You
can always count on Mortgages Unlimited for great rates and low mortgage closing
costs. Please do not hesitate to contact us with any questions. We are always
here to address your concerns and offer you up-to-the minute mortgage quotes and
home loan advice.
We keep it
simple! Slick advertising is not our game. We are a
popular site on the Internet 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!
Smart people know
Mortgages Unlimited is your St Paul, Minneapolis best lender choice for your home loan needs. Our staff of Loan Officers
are thankful for the opportunity to provide you with comprehensive mortgage
rate
quotes and mortgage closing cost information. Your Loan Officer will be
happy to provide you with a Good Faith Estimate and Truth-In-Lending
Statement so that you can better compare Mortgages Unlimited to other
Mortgage providers. We at wish you the best during your mortgage rate
search, and remind you that a low quote is only part of your overall
satisfaction!
Get
real rate and closing cost estimates so you can see
specific numbers right up front. No surprises. 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.
With our low rates
and low fees, 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 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.
I have closed thousands
of loans in my career. That's a lot! Those customers contributed to
our continuing success because they know WE GOT THEM A BETTER DEAL!
We
can do the same for you! So if you
are checking mortgage rates
in Minneapolis, St Paul, all of Minnesota or Wisconsin, we can help you get the lowest cost mortgage
of anyone on your area, saving you thousands of dollars!
BIG Bank Loan Officers
versus SAFE ACT Licensed Loan Officers? You Make the Choice!
Washington has been
busy protecting consumers from bad lenders right? Wrong!
While they made a lot of changes, most of them are
pretty meaningless to the consumer, and some have been clear disasters (the
new Good Faith Estimate, and the new HVCC Appraisal rules are good
examples). They have done a poor job, and to make it worse, the general
perception by the public as to who is the better lender
choice is completely wrong. Most people feel the brokers
and the non-bank mortgage lenders have created all the
problems. This isn't true. Just the opposite. So who is fooling who?
Fat cat banking industry lobbyist are spending your tax
dollar with their bail-out money to portrays themselves
as innocent victims, and have done a wonderful job
getting that incorrect message sent to Washington, so
Congress leaves the banks alone, while attacking others.
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Here is a chart to
show the differences: |
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Non-Bank SAFE ACT Loan
Officers |
Bank LO’s |
| Licensed |
Yes |
No |
| FBI
Background |
Yes |
No |
|
Fingerprinted |
Yes |
No |
| Surety
Bonded |
Yes |
No |
| 20 hours
upfront education |
Yes |
No |
| 8 hours
continuing education |
Yes |
No |
|
Personal Credit checked |
Yes |
No |
| Federal and
State testing |
Yes |
No |
| Complaint
mechanism's |
Yes |
No |
| Licensing
fees and renewals |
Yes |
No | |
Effective January
1, 2011 all
Mortgage Bankers and Mortgage Brokers across
the county will be require to meet
new strict standards, and to be licensed according to the
S.A.F.E. Act. -
UNLESS they work at one of the
big banks!
An exemption in
the consumer protection laws allows Loan
Officers at the big Interstate Chartered Banks to
NOT have to follow the same rules! Who are these banks?
All the big names (Wells Fargo, Chase, Bank of America,
etc.), plus plenty of smaller ones.
Now I am not trying to
make this into a David versus Goliath story, but I am
trying to emphasize the huge differences
and implications these changes have on the consumer.
As the new requirements have been rolling out across the
country, many of the current Loan Officers who have been unable to meet the new
requirements, and especially those who have failed the new tests, have simply
gone to the large banks to work. The gap is growing and the difference is
clear.
I
think the choice is clear. Who
would YOU rather be working with on the largest
financial transaction of your life?
The funny part is the cost for the service based on
rates and fees are usually about the same, but more
often than not, non-bank lenders are slightly cheaper in
both rate and costs, close the loans faster, and have
more knowledgeable and experienced Loan Officers. Plus,
based on the new laws, the banks are about to get even
worse.
The best SAFE ACT Loan Officer
(non-Bank) analogy I can use is having a choice of
working with a CPA to
do your taxes vs. using Turbo Tax,
but paying the same price. |
Equal Housing Lender
