Terms of Use
Last Updated: December 2025
By accessing or using the website located at www.emetropolitan.com (the “Website”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree, you must immediately discontinue use of the Website. “Metropolitan Mortgage Corporation,” “we,” “us,” or “our” refers to Metropolitan Mortgage Corporation (NMLS #227722).
1. Use of the Website
You must be at least 18 years old and legally capable of entering into contracts to use this Website. You agree to use the Website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use of the Website.
2. No Offer or Guarantee of Lending
Nothing on this Website constitutes a loan offer, commitment to lend, or guarantee of loan approval. All rates, terms, fees, and loan programs are subject to change without notice and are provided for informational purposes only. Loan approval is subject to complete underwriting review, verification of information, credit approval, property appraisal, and satisfaction of all lender conditions.
3. Accuracy of Information
While we strive to keep information accurate and up-to-date, we do not warrant that the content, calculators, rates, or other tools are complete, accurate, or error-free. You are responsible for verifying any information before relying on it.
4. Equal Housing Opportunity
We are an Equal Housing Lender. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex (including gender identity and sexual orientation), familial status, disability, marital status, age (provided the applicant has capacity to contract), because all or part of the applicant’s income derives from public assistance, or any other basis prohibited by federal, state, or local law.
5. Privacy Policy
Your use of the Website is also governed by our Privacy Policy, which is incorporated herein by reference. By using the Website, you consent to the collection and use of your information as described therein.
6. Intellectual Property
All content, trademarks, logos, text, graphics, images, and software on this Website are the property of Metropolitan Mortgage Corporation or its licensors and are protected by U.S. and international copyright and trademark laws. You may not copy, modify, distribute, or create derivative works without our prior written consent.
7. User Submissions
Any information you submit through forms (including pre-qualification or contact forms) becomes our property. You grant us a perpetual, royalty-free license to use, store, and process such information in accordance with our Privacy Policy and applicable law.
8. Third-Party Links and Services
The Website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of any third-party sites. Use of such links is at your own risk.
9. Disclaimer of Warranties
THE WEBSITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
10. Limitation of Liability
To the fullest extent permitted by law, Metropolitan Mortgage Corporation and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from your use of the Website — even if we have been advised of the possibility of such damages.
11. Indemnification
You agree to indemnify and hold harmless Metropolitan Mortgage Corporation and its affiliates from any claims, losses, or damages (including reasonable attorneys’ fees) arising from your violation of these Terms or your use of the Website.
12. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Website after changes constitutes acceptance of the revised Terms.
13. Governing Law and Jurisdiction
These Terms shall be governed by the laws of the State of Missouri, without regard to conflict of law principles. Any dispute arising from these Terms or your use of the Website shall be resolved exclusively in the state or federal courts located in Jackson County, Missouri.
14. Licensing and Regulatory Information
Metropolitan Mortgage Corporation is licensed and/or registered in multiple states. NMLS #227722. For state-specific licensing information, please visit the NMLS Consumer Access website.
15. Contact Us
For questions about these Terms, please contact:
Email: admin@emetropolitan.com
Company NMLS: 227722
By using this Website, you acknowledge that you have read, understood, and agree to these Terms of Use.