Find Your Perfect Mortgage
Discover the Right Mortgage Program for You
Navigating the world of home financing can be complex, but finding the right loan is the first step toward homeownership or maximizing your current investment.
At Metropolitan Mortgage Corporation, we are a direct lender offering a full spectrum of home loan products designed to meet diverse financial situations and goals—whether you’re a first-time homebuyer, a seasoned investor, or a veteran. We provide competitive rates, flexible terms, and a streamlined application process to help you close quickly and confidently across the markets we serve.
We encourage you to explore our core loan categories below.
Featured Home Loan Programs & Mortgages
Below are the primary loan programs we offer. Click on any program name to explore the detailed requirements, benefits, and local resources specific to each product.
Conventional Loan
As low as 3% down · Best rates · Flexible terms
Jumbo Loan
Financing above conforming limits · Luxury & high-value homes
VA Loan
0% down · No PMI · For veterans & active-duty military
USDA Loan
0% down · Rural & suburban properties · Low rates
Home Equity Loan
Tap your equity for renovations, debt consolidation, or major expenses
Bank Statement Loan
Self-employed? Use bank statements instead of tax returns
DSCR Loan
Investor loans based on property cash flow · No personal income required
HomeReady Loan
3% down · Income flexibility · First-breaking buyer friendly
Bridge Loan
Short-term financing to “bridge” the gap when buying before selling
First Time Home Buyer Program
0% down options · Low 3% down · Up to 20% down payment assistance
Self-employed Borrowers
Bank statement loans · No tax returns needed · Fast & flexible
Investment Property
DSCR loans · 15-25% down · Based on rental income, not personal income
Start Your Home Financing Journey Today
Ready to find out which loan program is right for you? Our mortgage advisors are experts in pairing clients with the perfect product and are ready to provide personalized guidance.
Take the next step:
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Get Pre-Approved: Understand your borrowing power and solidify your purchase offer.
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Request a Quote: Receive a customized rate and payment estimate.
❓ Common Questions About Mortgage Programs
What is the difference between conventional and FHA loans?
Conventional loans typically require higher credit scores and allow borrowers to eventually cancel Private Mortgage Insurance (PMI). FHA loans are more accessible, requiring lower credit scores and smaller down payments, but they require mortgage insurance for the life of the loan.
How does the mortgage loan process work?
The process generally involves Pre-Approval (determining how much you can borrow), Application (formal submission and documentation), Processing (underwriting and appraisal), and Closing (signing documents and receiving the keys).
What is required for loan pre-approval?
You will typically need documentation of income (W-2s, pay stubs, tax returns), assets (bank statements), and permission for a credit check. Pre-approval gives you a clear budget before you start home shopping.