Mortgage Lender Bucks Industry Collapse by Selling Innovative New Loan

The Metzler Group at Mortgages Unlimited bucks mortgage industry collapse by selling new Home Ownership Accelerator® Loan. Introduced in the US in 2005, innovative all-in-one home loan combines personal checking with mortgage to help borrowers save thousands in interest payments.

Saint Paul, MN, April 02, 2008 --( Fighting against the most challenging reversal in the mortgage market in decades, Mortgages Unlimited has significantly expanded sales by focusing on the only growing loan product in America, the new Home Ownership Accelerator® loan, ( Introduced just a few years ago in July 2005, the Accelerator loan has seen its popularity double in 2007 even as sales of traditional loan products have collapsed.

“We are very fortunate to have gotten certified to sell a loan program that actually is in tune with the new thinking in the marketplace,” said Joe Metzler. “People can no longer count on appreciating home values to build equity, so they need a new solution. The Accelerator provides it, building equity faster by accelerating the reduction of debt.” Metzler credits the Accelerator with bringing Mortgages Unlimited and the Joe Metzler Group through the current credit crunch “in much better shape than most mortgage brokers, many of whom have closed their doors.”

The new loan is modeled on a popular Australian home loan program called the “all-in-one” loan that has a proven record of helping borrowers pay off their home loans years faster and save them thousands of dollars in interest payments. This home financing tool works by combining a home loan and a full-service checking account. This innovation can produce large interest savings and loan payoffs in as little as half the time without changing the borrower’s spending habits. This product is timely because a large group of Americans, especially Baby Boomers, are realizing that they must stop extracting home equity and build it back up if they want to retire mortgage-free.

“The Home Ownership Accelerator is the first loan since the 15-year mortgage to help borrowers get done with their debt more quickly,” said Joe Metzler. “For decades, the lending business has innovated new ways to make homes affordable to buy. Now we finally offer more help to borrowers to better manage debt and get debt-free more quickly, if that is their financial goal,” added Metzler, “or to manage their equity more effectively and efficiently if they are harvesting home equity for other financial projects.”

Homeowners can access their funds to pay expenses just like they would with a checking account, using the unlimited checks, ATM/Visa point-of-sale card, and free online bill-pay that come with the account. While the homeowner’s funds are not being used, they keep the principal balance lower, thereby saving interest. It essentially creates a higher effective return on those funds. A short film about how it works can be found on a special web site just for this new loan: (

“This is a huge win for homeowners,” said Metzler. “Finally, here’s an opportunity to shift the focus from simply minimizing payments to actually paying off efficiently, quickly, and with no change to lifestyle. It’s not magic. It’s simply takes the interest spread the banks had and gives it to the consumer.”

“This is the most revolutionary product to hit the U.S. mortgage industry in years,” said (president of local mortgage broker association). “The Home Ownership Accelerator offers consumers a unique opportunity to significantly reduce the amount of interest paid on their home loans without any change to their spending habits.”

“It’s not for everyone,” said Doug Nesbit, National Sales & Marketing Director for CMG Mortgage, the developer of the Home Ownership Accelerator® loan program. “You need to have positive cash flow, very good credit, and be disciplined about your use of equity. But for those people, the benefits can be amazing.”

The Home Ownership Accelerator is offered exclusively through mortgage brokers who have completed a mandatory certification course offered by CMG. The Home Ownership Accelerator® is currently available in 40 states around the country.

Anyone who does not chose their mortgage company and broker carefully is doomed to struggle if they are advised to take out the wrong loan, and probably go-under when recession really hits. Allow Joe Metzler ( to earn your trust and business.

Joseph Metzler
Metzler Mortgage Group at Mortgages Unlimited, Inc

Mortgages Unlimited, a private, locally-owned company established in 1991, Mortgages Unlimited is one of the largest and fastest growing mortgage lenders in Minnesota. Mortgages Unlimited has closed well over $3 billion in residential mortgages.

Metzler Mortgage Group at Mortgages Unlimited
Joe Metzler