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Best Mortgage Companies and Loan Officers in Minnesota, Wisconsin, Iowa, North Dakota, and South Dakota.

Let's face it. Getting a mortgage loan can feel overwhelming, even for the most seasoned homeowner. 10% of the success of your home loan transaction has to do with the mortgage company you choose. 90% of the success is the Loan Officer you trust to handle the largest financial transaction of your life. Choose wisely! Don't just choose anyone. Be smart. Check references. Check Experience, and be sure to work with only a licensed loan officer.

Who are you working with?

As an 25+ year experienced Licensed Mortgage Professional, with thousands of Minnesota, Wisconsin, Iowa, North Dakota, and South Dakota closed loans under his belt, Joe Metzler and his team are frequently called upon to offer their insights on mortgage news, interest rates, and other topics related to the way people buy, sell, finance, and mortgage their homes - Including a contributing editor right here on Lender 411.

It seems there is a Loan Officer on every corner, all claiming how awesome they are. It may be hard to pick, especially with a Real Estate Agent always telling you to pick "their guy." But the choice is always yours, and you should pick who YOU want.

Awards and Recognitions:

  • 2020, 2021, 2020, 2019, 2018 Super Mortgage Professional (Minneapolis St Paul Business)
  • 2018 Top 300 Loan Officer Nationally (Origination News)
  • 2016 Top 300 Loan Officer Nationally (National Mortgage News)
  • 2015 Top 100 Loan Officer Nationally (Origination News)
  • 2014 Minnesota Loan Officer of the Year (Minnesota Mortgage Association)
  • 2011 Most Influential Mortgage Professional to Watch (NMPM)
  • 2010 Top 150 Loan Officers in the Nation by Dollar Volume (Origination News)

Click HERE to APPLY for a Mortgage Loan In MN, WI, IA, ND or SD

Known for his straight forward, consumer-friendly advice and the ability to demystify even the most complex topics, Joe has made recent media appearances on many radio shows, local TV, and has been quoted and interviewed by Fox9, Reuters, Kiplingers, MSNBC, and, among others.

The media trusts Joe and his team, and so should you. If you would like to apply with Joe as your trusted mortgage professional, please contact him directly by calling (651) 552-3681 or just apply online at his web site;

Cambria Mortgage is owned by the same people that bring you the industry leading Cambria quartz countertops, a family owned, American made product and name you can trust.

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Great VA loan experience
I have had the most wonderful experience dealing with Joe Metzler on my VA home loan. I was miss lead by past companies, with the realization of how much time has passed with maybes and still no preapproval. I had gone from sick to my stomach, to feeling comfortable without all the sugar coating of maybe getting into a home loan. Joe spent 76 minutes with me over the phone initially discussing what I needed to do and what he could do for me. Wonderful part about the conversation is not once did I here" let me check with my supervisor, or can u hold, so we can transfer you to the next processor. I had received all my information in one voice, Joe Metzler. Thank you for taking your time, as well making my phone conversations personal and to the point to get my VA loan closed. I may now get these teeth fixes from all the sugar I received from other companies.
By RobertsJK on February 15, 2013
Comment by JoeMetzler: You are welcome! Every home loan application is treated this way. 10% of the success of a home loan transaction is the company you pick. 90% of the success is the loan officer you pick. Don't just call some 800#. Make sure you are always using an experienced, and licensed loan officer - not just a bank application clerk.
on February 15, 2013
Joe was great! Right here in St Paul
I called my bank, and I was less than excited. I then decided to check out the internet and stumbled on this site. I contacted a few people here, and again was less than excited with the people, except for Joe and Mortgages Unlimited. He is very knowledgeable, and super easy to work with. This interest rates and closing costs were right there with the big internet lenders, yet is right here in town. I'll use him again, and again, plus I'm going to tell everyone I know of my great experience with Joe and my poor experience with the banks
By Mark23 on September 14, 2012
I recommended Joe and Mortgages Unlimited in St Paul MN to anyone and everyone
First and foremost, I recommended Joe and Mortgages Unlimited in St Paul MN to anyone and everyone. He exceeded every expectation I had, answered all of my questions, and made sure I was comfortable with all of the answers. This was my first time buying a home and this process was made enjoyable due to his knowledge of the industry and his exceptional staff. Every time I contacted him he either answered right away or got back to me within a few minutes. This also is true for emails every time I sent an email I received a prompt response. This was dramatically different than the treatment I was initially receiving when dealing with the Loan Officer at the Realtors office who treated my like I was annoying her anytime I asked a question. My realtor make me feel like I had to use her lady, but I found out I didn't. I am soooooo happy I switched. Joe Metzler is extremely professional and knowledgeable.
By LoanShopperGuy on April 17, 2011
Minneapolis, MN: VA home loans are a true benefit to our military personal, with no down payment required, no monthly mortgage insurance, and rates lower than conventional home loans. But as with all government backed loans,...
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2013 Home Value Growth Best in 8-years A little real estate history lesson... In most areas, home prices peaked around 2006, started crashing in 2007, bottomed out in 2009, held steady through 2011, and have grown since 2012....
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