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Proudly serving clients across AZ, CA, FL, IL, IN, MI, NC, NM, NV, TN, TX, WA
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass Joe is always quick to reply. DeniseTularosa, NM Sep 11
Joe is always quick to reply.
Rating: 5.0 out of 5.0 from Encompass Joe was amazing he walked us through every step of buying our first home and went above and beyond to make sure we got the best. He was very knowledgeable and we would definitely work with him again . EzequielHigh Rolls Mountain Pa, NM Sep 05
Joe was amazing he walked us through every step of buying our first home and went above and beyond to make sure we got the best. He was very knowledgeable and we would definitely work with him again .
Rating: 5.0 out of 5.0 from Encompass He is an amazing communicator and gets everything done on time. He goes the extra mil!!!! ChristineHigh Rolls Mountain Pa, NM Sep 05
He is an amazing communicator and gets everything done on time. He goes the extra mil!!!!
Rating: 5.0 out of 5.0 from google I worked with the Joe and Clarissa Metzl team. It’s hard to explain how amazing they were to work with but caring and hardworking are the best way to explain it. We established a relationship and they treated us as family. They were the perfect blend of caring, professional, respectful, and punctual. I would absolutely recommended them to all my ... Robert Aug 31
I worked with the Joe and Clarissa Metzl team. It’s hard to explain how amazing they were to work with but caring and hardworking are the best way to explain it. We established a relationship and they treated us as family. They were the perfect blend of caring, professional, respectful, and punctual. I would absolutely recommended them to all my ...
Rating: 5.0 out of 5.0 from google Joe is awesome! He and Clarisa made sure I knew what was happening every step of the way. Jeffrey Aug 31
Joe is awesome! He and Clarisa made sure I knew what was happening every step of the way.
Rating: 5.0 out of 5.0 from google Joe was great to work with! He was quick to reply to any questions and would often call to explain in great detail to ensure our questions were answered. He made our home buying experience easy and kept us informed every step of the way. Josh Aug 31
Joe was great to work with! He was quick to reply to any questions and would often call to explain in great detail to ensure our questions were answered. He made our home buying experience easy and kept us informed every step of the way.
Rating: 5.0 out of 5.0 from google Joe Metzl and his team were amazing to work with, I highly recommend him to people wanting to get their loan done in an efficient and timely manner. Steve Aug 31
Joe Metzl and his team were amazing to work with, I highly recommend him to people wanting to get their loan done in an efficient and timely manner.
Rating: 5.0 out of 5.0 from google Joe took care of us like we were his only customer. We never felt rushed. He always explained everything very well and made sure we understood. He kept in contact with us all the time with information we should know. He is the person we will send our friends and family to. Very happy customers!!! :) Laura Aug 31
Joe took care of us like we were his only customer. We never felt rushed. He always explained everything very well and made sure we understood. He kept in contact with us all the time with information we should know. He is the person we will send our friends and family to. Very happy customers!!! :)
Rating: 5.0 out of 5.0 from google Joe and his crew made this the easiest transaction I could have ever wished for. He communicated with me every step of the way. He was extremely supportive and knowledgeable anytime I had questions or concerns. I will definitely use him again. I’ve also told all my family and friends and encourage anyone to use his services. Tracey Aug 31
Joe and his crew made this the easiest transaction I could have ever wished for. He communicated with me every step of the way. He was extremely supportive and knowledgeable anytime I had questions or concerns. I will definitely use him again. I’ve also told all my family and friends and encourage anyone to use his services.
Rating: 5.0 out of 5.0 from google Joe and Clarisa are the best! The entire process, from pre-approval to closing, Joe has gone above and beyond. We are so thankful for his help and guidance in making our dream cabin become a reality! Stephan Aug 31
Joe and Clarisa are the best! The entire process, from pre-approval to closing, Joe has gone above and beyond. We are so thankful for his help and guidance in making our dream cabin become a reality!
Rating: 5.0 out of 5.0 from google Highly recommend, friendly and professional . Would advise my friends and family to reach out to him. mike Aug 31
Highly recommend, friendly and professional . Would advise my friends and family to reach out to him.
Rating: 5.0 out of 5.0 from google I cannot say enough wonderful things about Joe Metzl at Sierra Pacific Mortgage. From our very first conversation to the day we closed, Joe made what could have been an overwhelming process feel remarkably smooth and manageable. From the beginning, Joe took the time to walk us through every single step of the mortgage process. He never made us feel... S Aug 31
I cannot say enough wonderful things about Joe Metzl at Sierra Pacific Mortgage. From our very first conversation to the day we closed, Joe made what could have been an overwhelming process feel remarkably smooth and manageable. From the beginning, Joe took the time to walk us through every single step of the mortgage process. He never made us feel...
Rating: 5.0 out of 5.0 from google Joe was very helpful and kept us updated on the progress toward closing. His wealth of knowledge regarding mortgages gave us comfort throughout the process . M Aug 31
Joe was very helpful and kept us updated on the progress toward closing. His wealth of knowledge regarding mortgages gave us comfort throughout the process .
Rating: 5.0 out of 5.0 from google It was very helpful to me that I could get a quick response to my questions, thoughts and suggestions throughout the process. Also, the information I received was consistent throughout, which helped me to feel confident in the process. B Aug 31
It was very helpful to me that I could get a quick response to my questions, thoughts and suggestions throughout the process. Also, the information I received was consistent throughout, which helped me to feel confident in the process.
Rating: 5.0 out of 5.0 from API Joe expertly walked me through my first house-buying process and was more than willing to answer any and all questions I had! Loved working with him! SARAHNC Aug 31
Joe expertly walked me through my first house-buying process and was more than willing to answer any and all questions I had! Loved working with him!
Rating: 5.0 out of 5.0 from API Overall Joe was positice and communicative. We really felt supported during the process. VICTORIAAZ Aug 31
Overall Joe was positice and communicative. We really felt supported during the process.
Rating: 5.0 out of 5.0 from API Thanks for all of the help and patience! ZACHARYAZ Aug 31
Thanks for all of the help and patience!
Rating: 5.0 out of 5.0 from API Everything went well! STEVENFL Aug 31
Everything went well!
Rating: 5.0 out of 5.0 from API Joe was so easy to work with and made the process of buying my first home a breeze. Thanks, Joe! LONINC Aug 31
Joe was so easy to work with and made the process of buying my first home a breeze. Thanks, Joe!
Rating: 5.0 out of 5.0 from API Great communication anf clarity working With Joe was like working with a friend WILLIAMNC Aug 31
Great communication anf clarity working With Joe was like working with a friend
Rating: 5.0 out of 5.0 from API Joe was very helpful and kept us updated on the progress toward closing. His wealth of knowledge regarding mortgages gave us comfort throughout the process . MIKALTX Aug 31
Rating: 5.0 out of 5.0 from API Joe took care of us like we were his only customer. We never felt rushed. He always explained everything very well and made sure we understood. He kept in contact with us all the time with information we should know. He is the person we will send our friends and family to. Very happy customers!!! :) WILLIAMAZ Aug 31