Duluth, Superior, and Northern Minnesota and Wisconsin FHA, VA, USDA, and Conventional Home Mortgage Loans

You Mortgage rates in Duluth, MNdon't have to work with some Out-Of-State Lender to get the Best Mortgage Rates and lowest closing costs on a Minnesota or Wisconsin Home Loan. We are your Local Minnesota Based Discount Direct Mortgage Lender.

Direct Mortgage Lender - Not a Broker and Not a Bank


Banks and Credit Unions charge more because they can! They know you have your checking account there, so you stop in at "your bank" for a mortgage too.  Most people just assume the bank is OK, then never shop awesome places like us.
Mortgage brokers are not mortgage lenders. Their middleman fees raise the cost of your refinance, as a Direct Lender you pay no Broker Fees.
We have the authority to underwrite and close your loan, and we do it in as little as 15 days right here in Minnesota and Wisconsin
The big banks are so backed up with refinances, many raised their rates to slow down volume.
To a big bank you are just a number, and will most likely work with an unlicensed application clerk at an out of state call center.  Yikes!

Mortgage Rate Quote Duluth Minnesota Superior WisconsinNo Games, BBB A+ Rated, and Licensed Loan Officers

Most mortgage loan officers are actually unlicensed application clerks. NOT HERE! All our Loan Officers are licensed, not simply registered.  This means accurate assessments, no stress, and no surprises at closing.

MN Based Lender

Not some out-state internet lender, or giant bank. We lend and help home buyers and home owners in Minnesota and Wisconsin only. We would love to meet you in person, although you are welcome to complete the entire process over the phone, or internet. it's completely up to you.

5 Year Refinance Promise

When you obtain your loan from The Joe Metzler Team at Mortgages Unlimited, if you should decide to refinance it, for whatever reason, over the next 5 years, we pledge to do so with absolutely NO COST on behalf of Mortgages Unlimited (3rd party fees and escrows may still apply). There's no fine print, other than you must hold the initial loan for at least 180 days. It's as simple as that, and only valid with The Joe Metzler Team only.

Check today's Duluth, MN / Superior, WI area Mortgage Interest Rates and Closing Costs, including No Lender fee Options

Pre-Qualify Now - Call (218) 303-5626

Loan officer in Duluth, MNDuluth area FIRST TIME HOME BUYER Programs

First Time Home Loans can be stressful if you do not have the right company behind you. Sit back, relax, and let our friendly loan specialists walk you through the entire loan process so you can enjoy this unforgettable experience!

VA loans for active or Military Veterans in Duluth
These are some of the most popular first time home buyer loans.

USDA Rural Development - Zero Down in Duluth / Superior
No down payment for homes in rural areas!
Low Down Payment FHA Loans = Just 3.5% down
These loans are designed for little or NO down payment.

Pre-Qualify Now

HARP 2 - Home Affordable Refinance Program in Duluth
Special refinance program for homes that have lost value


FHA Streamline Refinance Program in Northern MN / WI
No appraisal required. No out of pocket costs.


MHFA Start Up and Step Up Down Payment Assistance Loans
Up to $5000 in down payment assistance for qualified home buyers.


Apply Online or Call to speak with a Duluth MN area loan officer today!
(218) 303-LOAN

Loan Testimonials

Thanks for helping us get this done. You did my original home loan. You called saying you were monitoring my loan, and that mortgage interest rates were lower. 
Angie - Duluth, MN

Joe and Eric made the entire process very easy, from filling out the mortgage paperwork to closing. Things were handled in a very timely manner and from loan application to closing was only about 2 weeks."
Mike M. - Brainerd, MN

"We can't say enough about how well we were treated. This has been a very stressful time for us and your loan officer did everything possible to help us. We truly appreciate the way we were treated."
John S. -  Superior, WI

"...they claim to "Beat the Banks", and boy was that true.  It may not seem like a lot, but I save $32 per month for the next 30-years over what the bank offered, and that adds up"
Kristi S. - Moorhead, MN

"Our Mortgage Loan Officer, Joe Metzler, was extremely helpful and knowledgeable about home mortgage loans. I was a first time home buyer, and had never done this type of loan before, he explained everything step by step. I appreciated all of his help with my many phone calls I had to make to her with my questions! Joe's a great asset to your company."
Nicole W, St Cloud, MN



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Serving all of Minnesota and Wisconsin, including Minneapolis, St Paul, Duluth, MN, Hermantown, Ely, Superior, WI, St Cloud, Cloquet, Brainerd, Little Falls, International Falls, Sauk Center, Little Falls, Moorhead, Bemidji, Roseau, Crookston, Detroit Lakes, Fergus Falls, Alexandria, and surrounding areas.

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