Florida Home Loans
Metro Mortgage Company
Your Florida Home Loan Experts
Welcome to Metro Mortgage Company. We are a federally regulated Mortgage Banker that specializes in residential lending services providing Conventional, Jumbo and FHA/VA loans in Florida including Bonita Springs, Cape Coral, Ft. Myers and Naples.
The company is privately held and has originated nearly $225M in mortgage loans over the past 17 years. Metro is approved in 20 States to originate and sell mortgages to some of the largest wholesale lenders in the country, including JP Morgan Chase, Wells Fargo and Citigroup to name a few. These types of relationships are what allows us to offer some of the most competitive interest rates in Florida.
The firm focuses on originating residential conventional and jumbo loans for A and A- credit clients including construction permanent and select portfolio financing products. Metro also offers many diverse residential lending solutions and government (FHA/VA) loans for first time home buyers and veterans.
Owned by an Underwriter
Metro differentiates itself from most other Florida mortgage lenders by being owned by a senior underwriter. Since only an underwriter can actually approve a mortgage loan, Metro's mortgage loan approval procedures are geared towards our clients starting the process with the person who will make the final decision, the underwriter. This method is faster, more accurate, and eliminates last minute closing surprises.
By having direct contact with the underwriter from the start, Metro Mortgage Company ensures you will not spend monies on inspections, appraisals or other costly items without knowing for sure you are approved for your Florida mortgage financing needs. And, if you are looking to get pre-approved before you purchase a Southwest Florida home, which is a must in today's real estate marketplace, Metro will provide you with an "actual" commitment letter, typically on the same day you apply. Peace of mind about your buying power, and confidence that when you place your offer that you are approved for the monies, indicates to the Seller you are a serious buyer and reduces the stress level when it's needed most.
Metro will consult with you regarding your future plans in order to guide you in the decision making process for your selection of a loan program that fits your needs. There are hundreds of variations of fixed and adjustable rate mortgages and your mortgage plan is as important as the home purchase itself. If your situation is such that you will only be living in a new home for two or three years while you grow in your job or save to build your dream home, then a 30 year fixed rate mortgage, may not be in your best interest.
Florida Residential Lending Options
In today's world, educated borrowers know to treat their mortgage as the investment asset it is. That means spending a little more time thinking about your future and what is best for you. It also means getting the best financial advice you can in order to make an informed decision. Every individual's life is different and so are their plans for the future. At Metro, our goal is to give you the options and information necessary to make that informed and educated decision for yourself.
More Information About Florida Mortgages
If you'd like to find out more about how we can help with your Florida mortgage, please contact us. We'll be happy to assist you. And, if your not sure where to begin, visit our SW Florida mortgage library pages. They're full of residential lending information about what is necessary e.g. FICO Scores, in order to successfully apply for a Florida home loan.
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