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Columbia Mortgage Lenders

Columbia Mortgage Lenders serving our community with honesty, integrity, and expertise

Speak with a Loan Officer (913) 642-8300

Welcome To Metropolitan Mortgage Corporation – Mortgage Lenders Serving Columbia, MO.

For decades, we have served the residents of Columbia, Missouri, by providing potential homeowners with our experts whenever they’re interested in buying a home. Our vast knowledge about the real estate market in Missouri allows us to find some of the most suitable units and offers for our clients, streamlining the closing process on any home for them.

We’ve also had experience guiding clients looking to venture into a jumbo loan by providing them with the necessary information and opportunity they need to acquire larger-priced homes in the market. In addition, we work hand-in-hand with some of the most preferred service providers in the industry to create an exquisite mortgage experience for every homebuyer and real estate investor that turns to us for help.

Services We Offer In Columbia, Missouri

Some of the services we offer include:

Jumbo Loans

For larger-priced homes, we offer qualified borrowers the opportunity to take out a Jumbo Home Loan. These loans come with reasonable interest rates for borrowers with favorable credit scores and flexible terms for a 15- and 30-year period. The loans also work well with the purchase and refinance transactions and don’t require any private mortgage insurance with a minimum loan limit of $484,351 and a maximum amount of $3,000,000 for Missouri.

If you’re eligible for this kind of loan, we can walk you through the application process and guide you towards determining the most suitable rates once your pre-qualification checks out.

Conventional Loans

Also known as a conforming loan, this loan option isn’t insured by any recognized government program and tends to be regulated by Fannie Mae and Freddie Mae. Our conventional loan services require a down payment that’s as low as 3%, with the option of choosing either fixed or adjustable interest rates. The terms of this kind of loan can run from 10 to 30 years with no PMI and a 20% down payment.

However, any conventional loan with PMI can be put off once adequate equity is collected. As an experienced mortgage lender, we can guide you in finding the right conventional loan terms for your financial goals and a suitable lending program.

FHA Home Loans

We also provide our esteemed customers with FHA home loans insured and regulated by the Federal Housing Administration and designed to help low to average income loanees make a suitable down payment that won’t strain their budget. These loans typically help seniors, first-time homebuyers, and other individuals with credit limitations as they offer flexible and reasonable loans at a lower credit score. In addition, our mortgage officers can walk you through the qualification requirements and guide you in applying for a suitable loan once you’re re-qualified for it.

VA Home Loans

Supported by the Department of Veterans Affairs (VA), these types of loans are only eligible to military members, veterans, and their recognized surviving spouses. VA mortgage loans are designed to recognize the contributions of these men and women by providing favorable loan terms at low fixed rates.

The interest rates for this loan are negotiable, and it also limits the amount that a borrower can be charged for closing fees. With a down payment of at least 5% and an exception for veterans receiving VA compensation, our VA mortgage deals can help you find the peace you need in your home after a long time of service.

USDA Home Loan

These loans are also referred to as USDA Rural Development Loan Program and are typically offered to low-to-moderate income homes within eligible rural locations. A USDA loan doesn’t require any down payment unless the borrower chooses to provide one from a gift or documented asset.

Our polished team would review your income status, credit, and assets to read you for a pre-approval that can determine the amount of loan you’re eligible for.

Vacation Homes

Many individuals fancy the thought of a 2nd home or luxurious investment property but can’t purchase them in cash. At Metropolitan Mortgage Corporation, we offer borrowers vacation home loans for a 15- and 30-years loan plan. Then, with a pre-qualification from our team, you can raise your bargaining power today and take out that loan quickly.

30 Year Fixed Loan

For individuals who plan to stay in their homes for more than 30 years, this type of loan is suitable as it provides consistent fixed payments. In addition, we can help you plan your budget with consistent mortgage payments at low-interest rates that would never change.

15 Year Fixed Loan

With this type of loan, the borrower would pay the principal every month through their agreed monthly payments. Being a fixed-rate mortgage, the interest rates don’t change and are a more affordable option than other loan types. Our mortgage officers can help you apply for the loan and get a pre-qualification that would determine your loan amount.

Looking to Settle in Missouri?

Contact us today to get a Jumbo Loan for your home in Columbia, along with a pre-qualification for any other type of mortgage loan you’re in which you’re eligible for.

Metropolitan Mortgage Corporation
7280 NW 87th Terrace Suite 200
Kansas City, MO 64153
(855) 313-2480

VIEW INTEREST RATES ONLINE

Prospective borrowers can view our mortgage rates and loan terms online. Our mortgage rates assume that homebuyers have a very good credit scores and are buying a single-family home in Columbia, MO.

Conventional interest rates are at historic lows, so homebuyers should act now to score the best rates on their dream home. Apply online or contact a loan officer for more information about our mortgage lending products.

MORTGAGE RATES KANSAS CITY

RUN CALCULATIONS ON OUR FREE MOBILE APP

Our free mobile app (“Loan Pro”) allows clients to run mortgage payments on the go. With Loan Pro, clients select can from all mortgage products. They can run USDA loans, FHA loans, VA loans, Conventional loans and Jumbo loan calculations. The payments include; Homeowners Insurance, Property Taxes, and Mortgage Insurance (MI)! Do you know of another app that can do that?

If you’re still unsure of which mortgage loan program is right for you, try our built-in Loan Genie matching tool. Or contact a Columbia Loan Officer today.

Homebuyer Guide

AVOID COMMON MISTAKES WITH OUR FIRST-TIME HOME BUYER GUIDE

Buying a home in Columbia is a major life decision and being an informed home buyer can save you from making costly mistakes. Your Loan Officer can guide you through each milestone of the home loan process. Check out our first-time home buyers’ guide and get started on your home buying journey. We are a Columbia Mortgage Lenders that makes it easy to prepare for buying your dream home.

SERVING COLUMBIA, MO

Columbia Mortgage Lenders
Columbia Mortgage Lenders

Contact our Columbia, MO Loan Officer today!

What are you waiting for? You’re just one step away from living in your dream home. Begin your loan process today!  Contact us online or Call a Loan Officer (913) 642-8300 in Columbia to receive a free, personalized rate quote from Columbia mortgage lenders you can trust. Take a minute and apply below:

Apply Online >

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