John's Blog

Hispanic Mortgage Originator

1st Metropolitan Mortgage — Tue, 23 Sep 2008 13:21:12 -0500

De acuerdo al mercado actual ahora es el momento indicado para COMPRAR o REFINANCEAR. Los intereses acaban de bajar y los precios de las casas estan muy economicos. Usted podria entrar a su casa con una gran plusvalia ya adquirida en el valor de la compra de su casa. Este es el mejor momento para compradores porque tienen muchas grandes oportunidades de obtener una gran propiedad a un valor bajo y con una gran ganancia ya en su propiedad. Llameme si quiere que lo aconseje en este proceso tan importante de la compra de su CASA. Usted merece el mejor servicio de una compania con reputacion y de un agente de prestamo que en verdad se tome el tiempo de explicarle paso por paso el proceso de su compra o refinanciamiento con honesta preocupacion de su bienestar.

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 ext 105 Fax: 704-454-5660

Cell Phone: 704-208-8688

email: iyost@1stmetro.net

Bilingual in Spanish - Your Mortgage Expert

1st Metropolitan Mortgage — Tue, 23 Sep 2008 13:17:55 -0500

My name is Ivette Yost and I offer you and your Clients:

PROFESSIONAL Service, Security & Support for their Mortgage needs.
Access to Many of the top National and Regional Mortgage Sources.
Bilingual in Spanish and English
Licensed in North Carolina, South Carolina ( FHA and VA Mortgages only) and Virginia
A small Thank You Gift at close of Escrow

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 ext 105 Fax: 704-454-5660

Cell Phone: 704-208-8688

email: iyost@1stmetro.net

New Bilingual Mortgage Originator - Charlotte, NC

1st Metropolitan Mortgage — Tue, 23 Sep 2008 13:14:04 -0500

I would like to introduce you to our new Bilingual (SPANISH AND ENGLISH) Loan Specialist.

Ivette Yost served 4 years in the USAF. She has a degree in Logistics and Mgmt CIS. She has a vast understanding of the mortgage lending business including FHA Mortgages, VA Mortgages, USDA 100% Mortgages, ITIN Loans with the proper down payment, Down Payment Assistance Programs and many more. She has over 125 Lenders to help you or your clients get the right mortgage for their situation.

Please feel free to call Ivette or myself to discuss your mortgage options. I would be happy to answer your questions.

John D. Popp, Branch Manager

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 Fax: 704-454-5660

Toll Free: 1-888-327-8657

(1-888-FAST OKS)

Stated Income Mortgage Loans - Basic guidelines

1st Metropolitan Mortgage — Thu, 11 Sep 2008 13:29:30 -0500

There are very few Stated Income Loans left for borrowers who need to use them. The few programs left have very strict underwriting guidelines. Below is a list of borrower attributes that an automated underwriting engine will look at when qualifying a person on a stated income mortgage loan.

credit score above a 720
Liquid Assets must reflect stated income used to qualify
6 to 12 months of reserves in the bank
2 borrowers are preferred
5 years with the same employer or 5 years of self employment is needed.
Minimum of 10% down on a purchase - the more... the better chance you have of getting approved
90% LTV on a refinance is required

Even if you have all of the above positive attributes the automated engine may still not approve your request for a stated income mortgage. You will need to give a complete application so that we could run your information through the automated system to see if you qualify.

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 Fax: 704-225-9950

Toll Free: 1-888-327-8657

(1-888-FAST OKS)

New Risk Based Premiums for FHA Mortgage Insurance

1st Metropolitan Mortgage — Wed, 16 Jul 2008 10:58:05 -0500

Effective with new FHA Mortgage Loans Originated after July 14, 2008, FHA has implemented a new risk-based premium guideline on one-to four-unit single family mortgages. Before the new change the upfront mortgage Insurance Premium was 1.5% on all transactions and the Monthly MI Factor was 50bp. The monthly MI would not apply on 15 year mortgage loans with a LTV of 90 or less. Under the new guidelines, the upfront MI can be as low as 1% on a Streamline FHA to FHA Refinance to a high of 2.25% for a borrower with a credit score between 500 and 559. Feel Free to visit our website to see a matrix of FHA's risk based mortgage program.

John D. Popp, Branch Manager

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 Fax: 704-225-9950

Feel free to call me or any one of my originators with any questions you may have. We have a large variety of mortgage programs to choose from. We can also work with almost all types of credit problems.

USDA Mortgage Program with Credit Scores under 620

1st Metropolitan Mortgage — Fri, 18 Apr 2008 09:25:28 -0500

Updated USDA Credit Criteria

For Scores Below 620

In a recently released USDA Rural Development Administrative Notice (AN) Number 4346, Utilizing Credit Scores for Underwriting Single Family Housing Guaranteed Loans and (AN) Number 4345 Single Family Housing Guaranteed Program Applicant Traditional and Non-Traditional Credit History Verification, Rural Development has provided direction to USDA Guaranteed Rural Housing GRH) Originators regarding the use of credit risk scores as part of the underwriting decision, as well as how to address credit verification requirements for applicants with no credit risk score.

For Applicants with Credit Risk Scores between 580 and 620

The borrower must provide the originator documentation that the circumstances surroundingh the adverse information were temporary in nature, and were beyond the applicant's control, and have been removed so their reoccurrence is unlikely. A borrowers Job Stability will have more meaning to the decision process. Must show stability in Commission Income and Bonus Income if this type of income will be used to qualify.

Originator must evaluate new PITI for payment Shock. If new PITI is 100% or greater than current rent payment or borrower has no rent payment must look at how borrower is going to make new payment - has borrower been able to save money on a monthly basis?

If the borrower currently rents a 12 month VOR is required.

Applicants with Credit Risk Scores below 580 If any of the following apply borrower should be denied:

One or more late payments in the past 12 months
Foreclosure discharged less than 36 months ago
Outstanding Tax Liens or delinquent government debt with no payment arrangements currently due
Outstanding judgements within past 12 months
Two or more rent payments 30 days late with last 3 years
Accounts converted to collection in the last 12 months
Outstanding collection accounts with no payment arrangements that are currently due
Bancruptcy discharged less than 36 months ago

Extraordinary compensating factors that are extensively documented must be present!

Applicants with No Credit Score A minimum of three (3) non-traditional credit references must be developed, one (1) which mnust be a rental or housing payment history. If no housing or rental history than four (4) non-traditional references should be developed.

Originator should opt to have a non-traditional credit reporty completed. If no past rent or housing history the borrower should document a monthly pattern of savings or debt repayment over a 12-month period of time that is comparable to the proposed housing payment.

John D. Popp, Branch Manager

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 Fax: 704-225-9950

Toll Free: 1-888-327-8657

(1-888-FAST OKS)

Your Free Annual Credit Report

1st Metropolitan Mortgage — Wed, 16 Apr 2008 11:22:48 -0500

You are allowed to get a free copy of your Credit Report each year. Follow the below link to order your Annual Free Credit Reort. You will be able to order your Equifax, Transunion, and Equifax credit report.

Your Free Credit Report

We have many programs for people with bad or damaged credit. We will even let you know if you should wait and clear up some credit issues before you refinance.

Please feel free to call me to discuss your mortgage options. I would be happy to answer your questions.

John D. Popp, Branch Manager

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 Fax: 704-225-9950

Toll Free: 1-888-327-8657

(1-888-FAST OKS)

North Carolina Mortgage Guide

1st Metropolitan Mortgage — Wed, 16 Apr 2008 11:18:20 -0500

Local Charlotte North Carolina Mortgage Broker

97% and 100% Mortgage Financing with No Monthly Mortgage Insurance and with conforming rates!!!

Yes, we have several programs that are still available to homebuyers who are looking to purchase a home with no downpayment requirement.

DreamMaker Program - 97% Max LTV.... no property location restrictions, No Monthly Mortgage Insurance, 680 Minimum Credit Score - Non Traditional Credit is OK, Secondary Stated Income is OK

Rural Advantage Program - 97% Max LTV... some property location restrictions apply, No Monthly Mortgage Insurance, 680 Minimum Credit Score - Non Traditional Credit is OK, Secondary Stated Income is OK

USDA Rural Housing Program - 100% Max LTV... Property location restrictions do apply. This government subsidized mortgage product is for any borrower who is purchasing a home outside a major city area. No Minimum Credit Score, No Monthly Mortgage Insurance, First Time Home Buyers OK. Visit Website for complete details.

If you are looking to purchase a home in Mecklenburg, Cabarrus, Union or Gaston County call our mortgage branch for your free prequalification. Feel free to speak directly with John Popp, Branch Manager, who has over 21 years of mortgage experience.

Other Mortgage Products we offer:

First Time Homebuyer Programs Click Here
Home Equity Line of Credit (HELOC) Click Here
VA Mortgage Financing Click Here
Our Top 100% and 97% Mortgage Financing Programs Click Here
USDA Rural Development Program Click Here
USDA Single Close Construction Loan Click Here
97% Mortgage Program Click Here
FHA Streamline Refinance Click Here
Want to Refinance Your Current Mortgage Click Here
Need a Reverse Mortgage in South Carolina Click Here
Refinancing a Subprime Mortgage - check out our Subprime Product of the month Click Here
Need to Repair your Credit before applying Click Here
Commercial Loan Access (24 States) Click Here

Customers first

If you are looking for a mortgage loan in the Charlotte area of North Carolina call us Now or Apply On Line. As a Local Charlotte, NC broker we treat all of our borrowers with the utmost respect. Our Local Charlotte Mortgage Borrowers who are happy with the mortgage loan we helped them get are more important to us than anything else. Whether you are Purchasing and need a 100% First Time Home Buyer Mortgage or Refinancing for Debt Consolidation, Home Improvement or just to lower your payment our goal is to make the loan process as simple and worry-free as possible. We even offer the USDA Rural Housing Mortgage Program. We pride ourselves in offering the Residents of Charlotte, North Carolina the highest level of customer service, and appreciate the opportunity to earn your mortgage business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable transaction.

At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice. Whether you are located in Charlotte, Concord, Cary, Harrisburg, Mooresville, Wake Forest, Huntersville or any other city in North Carolina we are here to help you obtain your conforming mortgage, FHA mortgage, VA mortgage, USDA Mortgage or Subprime mortgage loan purchase or refinance at the best rate possible. Do not forget to check out our many First Time Home Buyer Programs if you are a First Time Home Buyer. Home loans is what we do best at low competitive rates. Call now and speak to a North Cartolina Mortgage Company Representative today!

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100% LPMI Mortgage Programs Changed to 97% LPMI Mortgage Programs

1st Metropolitan Mortgage — Fri, 11 Apr 2008 13:38:35 -0500

Lender Paid Mortgage Insurance Programs, LPMI

The 2 most popular Lender Paid Mortgage Insurance (LPMI) Programs are: Freddie Mac 100 (500.00 Min Borrower Contribution) As of March 31, 2008 this program has been changed to be a 97% program requiring 3% down.

720 Min Credit Score
3% Seller Concession allowed
No Income Limitations
Alternative Credit is not acceptable

Flex 100 Program ($500.00 Min Borrower Contribution) As of March 31, 2008, this program has been changed to to 97% LTV requiring 3% down

3% seller concession allowed
No Income Limitations
620 Min Credit Score Required
Alternative Credit is not acceptable

Benefits of LPMI Program - no monthly mortgage insurance

Call for more information 704-490-4733 ext 101

John D. Popp, Branch Manager

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 Fax: 704-225-9950

Toll Free: 1-888-327-8657

(1-888-FAST OKS)

Lender Paid Mortgage Insurance, LPMI

1st Metropolitan Mortgage — Fri, 14 Mar 2008 14:48:00 -0500

Lender Paid Mortgage Insurance Programs, LPMI

The 2 most popular Lender Paid Mortgage Insurance (LPMI) Programs are: Freddie Mac 100 (500.00 Min Borrower Contribution) AS OF March 31, 2008 this program will be a 97% program requiring 3% down.

720 Min Credit Score
3% Seller Concession allowed
No Income Limitations
Alternative Credit is not acceptable

Flex 100 Program ($500.00 Min Borrower Contribution)

3% seller concession allowed
No Income Limitations
620 Min Credit Score Required
Alternative Credit is not acceptable

Benefits of LPMI Program - no monthly mortgage insurance

Call for more information 704-490-4733 ext 101

John D. Popp, Branch Manager

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 Fax: 704-225-9950

Toll Free: 1-888-327-8657

(1-888-FAST OKS)

Loan Limit Increase Fact or Fiction or What?

1st Metropolitan Mortgage — Mon, 11 Feb 2008 19:31:11 -0600

For the past month I have been waiting for the conforming loan limits to increase to 625,000. Increasing the conforming loan limits automatically increases FHA Mortgage Loan Limits. This would have opened the flood gates with mortgage refinancing that up until this happens could not have been accomplished.

Today on yahoo I read Bush Acknowledges economic uncertainty AP. it stated that the loan limits will be temporarily increased to $729,750.00. Sounds good right?

Wrong... It turns out that the press seems to have it all wrong. This loan limit increase is not going to affect America on a national level as we are lead to beleive. The loan limits are going to be 417,000 or 125% OF MEDIAN HOME PRICES of an area - by county, with a cap of $729,750.00.

This is good news for those of you live in a high value area, but for the majority of America this stimulus package will have no affect.

sorry for the bad news....for most of you

Fha Streamline Refinance - Rates as low as 4.875% on a 30 yr fixed APR 5.23%

1st Metropolitan Mortgage — Thu, 24 Jan 2008 10:07:04 -0600

Rates are at an all time low call 704-490-4733 ext 101 to see what your new low payment will be!!!

If you currently have an FHA Mortgage, you can "Streamline Refinance" your current mortgage.

What exactly does "Streamline Refinance" mean?

There is no appraisal required, no income or asset information listed on your application. Most lenders will run at least 1 of the 3 credit agency reports to get your current payment history on your mortgage. While your current credit situation does not matter in doing a "Streamline Refinance" you should not have more than 2 30 day late payment on your current mortgage in the last 12 months. You must be able to supply the lender with a copy of your current "NOTE" from your last mortgage settlement. It should only take 2 weeks from the time of application to the actual closing date. To view my official Website Please Click HERE

If you are interested in an FHA Refinance and live in NC please give me a call. 704-490-4733

Purchasing a Home with an FHA Mortgage with no money down - apply now

Please feel free to call me to discuss your mortgage options. I would be happy to answer your questions.

John D. Popp, Branch Manager

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 Fax: 704-225-9950

Toll Free: 1-888-327-8657

(1-888-FAST OKS)

We are local to the Charlotte, NC area

100% Home Purchase Mortgage Financing in North Carolina

1st Metropolitan Mortgage — Mon, 14 Jan 2008 09:35:38 -0600

Local Mooresville North Carolina Mortgage Broker

100% Mortgage Financing with No Monthly Mortgage Insurance and with conforming rates!!!

Yes, we have several programs that are still available to homebuyers who are looking to purchase a home with no downpayment requirement.

DreamMaker Program - no property location restrictions, No Monthly Mortgage Insurance, 620 Minimum Credit Score - Non Traditional Credit is OK, Secondary Stated Income is OK

Rural Advantage Program - some property location restrictions apply, No Monthly Mortgage Insurance, 620 Minimum Credit Score - Non Traditional Credit is OK, Secondary Stated Income is OK

USDA Rural Housing Program - Property location restrictions do apply. This government subsidized mortgage product is for any borrower who is purchasing a home outside a major city area. No Minimum Credit Score, No Monthly Mortgage Insurance, First Time Home Buyers OK. Visit Website for complete details.

If you are looking to purchase a home in Mecklenburg, Cabarrus, Union, Iredell or Gaston County call our mortgage branch for your free prequalification. Feel free to speak directly with John Popp, Branch Manager, who has over 21 years of mortgage experience.

Other Mortgage Products we offer:

YES !!! We Write FHA Mortgage Loans

First Time Homebuyer Programs Click Here
4 Great purchase Mortgage Products that permit 100% Financing Click Here
Va Mortgage Financing Click Here
Home Equity Line of Credit (HELOC) Click Here
Top 100% Mortgage Financing Home Loans Click Here
USDA Rural Development Program Click Here
USDA Single Close Construction Loan Click Here
100% Mortgage Program Click Here
FHA Streamline Refinance Click Here
Want to Refinance Your Current Mortgage Click Here
Need a Reverse Mortgage in South Carolina Click Here
Refinancing a Subprime Mortgage - check out our Subprime Product of the month Click Here
Need to Repair your Credit before applying Click Here
Commercial Loan Access (24 States) Click Here
NEW: Subdivision Construction Loans Click Here

Customers first

If you are looking for a mortgage loan in the Charlotte area of North Carolina call us Now or Apply On Line. As a Local Charlotte, NC broker we treat all of our borrowers with the utmost respect. Our Local Charlotte mortgage Borrowers who are happy with the mortgage loan we helped them get are more important to us than anything else. Whether you are Purchasing and need a 100% First Time Home Buyer Mortgage or Refinancing for Debt Consolidation, Home Improvement or just to lower your payment our goal is to make the loan process as simple and worry-free as possible. We even offer the USDA Rural Housing Mortgage Program. We pride ourselves in offering the Residents of Charlotte, North Carolina the highest level of customer service, and appreciate the opportunity to earn your mortgage business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable transaction. Feel free to download our Home Buyer/Owner Metro Book Today!

Get fast answers

At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice. Whether you are located in Charlotte, Concord, Gastonia, Cary, Harrisburg, Huntersville, Lincolnton, Mooresville, Cornelius, Huntersville Wakesboro or any other city in North Carolina we are here to help you obtain your conforming mortgage, FHA mortgage, VA mortgage, USDA Mortgage or Subprime mortgage loan purchase or refinance at the best rate possible. Do not forget to check out our many First Time Home Buyer Programs if you are a First Time Home Buyer. Home loans is what we do best at low competitive rates. Call now and speak to a North Cartolina Mortgage Company Representative today!

100% Home Purchase Mortgage Financing in North Carolina

1st Metropolitan Mortgage — Mon, 14 Jan 2008 09:32:57 -0600

Local Charlotte North Carolina Mortgage Broker

100% Mortgage Financing with No Monthly Mortgage Insurance and with conforming rates!!!

Yes, we have several programs that are still available to homebuyers who are looking to purchase a home with no downpayment requirement.

DreamMaker Program - no property location restrictions, No Monthly Mortgage Insurance, 620 Minimum Credit Score - Non Traditional Credit is OK, Secondary Stated Income is OK

Rural Advantage Program - some property location restrictions apply, No Monthly Mortgage Insurance, 620 Minimum Credit Score - Non Traditional Credit is OK, Secondary Stated Income is OK

Other Mortgage Products we offer:

YES !!! We Write FHA Mortgage Loans

First Time Homebuyer Programs Click Here
4 Great purchase Mortgage Products that permit 100% Financing Click Here
Va Mortgage Financing Click Here
Home Equity Line of Credit (HELOC) Click Here
Top 100% Mortgage Financing Home Loans Click Here
USDA Rural Development Program Click Here
USDA Single Close Construction Loan Click Here
100% Mortgage Program Click Here
FHA Streamline Refinance Click Here
Want to Refinance Your Current Mortgage Click Here
Need a Reverse Mortgage in South Carolina Click Here
Refinancing a Subprime Mortgage - check out our Subprime Product of the month Click Here
Need to Repair your Credit before applying Click Here
Commercial Loan Access (24 States) Click Here
NEW: Subdivision Construction Loans Click Here

Customers first

If you are looking for a mortgage loan in the Charlotte area of North Carolina call us Now or Apply On Line. As a Local Charlotte, NC broker we treat all of our borrowers with the utmost respect. Our Local Charlotte mortgage Borrowers who are happy with the mortgage loan we helped them get are more important to us than anything else. Whether you are Purchasing and need a 100% First Time Home Buyer Mortgage or Refinancing for Debt Consolidation, Home Improvement or just to lower your payment our goal is to make the loan process as simple and worry-free as possible. We even offer the USDA Rural Housing Mortgage Program. We pride ourselves in offering the Residents of Charlotte, North Carolina the highest level of customer service, and appreciate the opportunity to earn your mortgage business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable transaction. Feel free to download our Home Buyer/Owner Metro Book Today!

Get fast answers

At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice. Whether you are located in Charlotte, Concord, Gastonia, Cary, Harrisburg, Huntersville, Lincolnton, Mooresville, Cornelius, Huntersville Wakesboro or any other city in North Carolina we are here to help you obtain your conforming mortgage, FHA mortgage, VA mortgage, USDA Mortgage or Subprime mortgage loan purchase or refinance at the best rate possible. Do not forget to check out our many First Time Home Buyer Programs if you are a First Time Home Buyer. Home loans is what we do best at low competitive rates. Call now and speak to a North Cartolina Mortgage Company Representative today!

100% Home Purchase Mortgage Financing in North Carolina

1st Metropolitan Mortgage — Mon, 14 Jan 2008 09:32:04 -0600

Local Charlotte North Carolina Mortgage Broker

100% Mortgage Financing with No Monthly Mortgage Insurance and with conforming rates!!!

Yes, we have several programs that are still available to homebuyers who are looking to purchase a home with no downpayment requirement.

DreamMaker Program - no property location restrictions, No Monthly Mortgage Insurance, 620 Minimum Credit Score - Non Traditional Credit is OK, Secondary Stated Income is OK

Rural Advantage Program - some property location restrictions apply, No Monthly Mortgage Insurance, 620 Minimum Credit Score - Non Traditional Credit is OK, Secondary Stated Income is OK

Other Mortgage Products we offer:

YES !!! We Write FHA Mortgage Loans

First Time Homebuyer Programs Click Here
4 Great purchase Mortgage Products that permit 100% Financing Click Here
Va Mortgage Financing Click Here
Home Equity Line of Credit (HELOC) Click Here
Top 100% Mortgage Financing Home Loans Click Here
USDA Rural Development Program Click Here
USDA Single Close Construction Loan Click Here
100% Mortgage Program Click Here
FHA Streamline Refinance Click Here
Want to Refinance Your Current Mortgage Click Here
Need a Reverse Mortgage in South Carolina Click Here
Refinancing a Subprime Mortgage - check out our Subprime Product of the month Click Here
Need to Repair your Credit before applying Click Here
Commercial Loan Access (24 States) Click Here
NEW: Subdivision Construction Loans Click Here

Customers first

If you are looking for a mortgage loan in the Charlotte area of North Carolina call us Now or Apply On Line. As a Local Charlotte, NC broker we treat all of our borrowers with the utmost respect. Our Local Charlotte mortgage Borrowers who are happy with the mortgage loan we helped them get are more important to us than anything else. Whether you are Purchasing and need a 100% First Time Home Buyer Mortgage or Refinancing for Debt Consolidation, Home Improvement or just to lower your payment our goal is to make the loan process as simple and worry-free as possible. We even offer the USDA Rural Housing Mortgage Program. We pride ourselves in offering the Residents of Charlotte, North Carolina the highest level of customer service, and appreciate the opportunity to earn your mortgage business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable transaction. Feel free to download our Home Buyer/Owner Metro Book Today!

Get fast answers

At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice. Whether you are located in Charlotte, Concord, Gastonia, Cary, Harrisburg, Huntersville, Lincolnton, Mooresville, Cornelius, Huntersville Wakesboro or any other city in North Carolina we are here to help you obtain your conforming mortgage, FHA mortgage, VA mortgage, USDA Mortgage or Subprime mortgage loan purchase or refinance at the best rate possible. Do not forget to check out our many First Time Home Buyer Programs if you are a First Time Home Buyer. Home loans is what we do best at low competitive rates. Call now and speak to a North Cartolina Mortgage Company Representative today!

100% Home Purchase Mortgage Financing in North Carolina

1st Metropolitan Mortgage — Mon, 14 Jan 2008 09:31:03 -0600

Local Charlotte North Carolina Mortgage Broker

100% Mortgage Financing with No Monthly Mortgage Insurance and with conforming rates!!!

Yes, we have several programs that are still available to homebuyers who are looking to purchase a home with no downpayment requirement.

DreamMaker Program - no property location restrictions, No Monthly Mortgage Insurance, 620 Minimum Credit Score - Non Traditional Credit is OK, Secondary Stated Income is OK

Rural Advantage Program - some property location restrictions apply, No Monthly Mortgage Insurance, 620 Minimum Credit Score - Non Traditional Credit is OK, Secondary Stated Income is OK

Other Mortgage Products we offer:

YES !!! We Write FHA Mortgage Loans

First Time Homebuyer Programs Click Here
4 Great purchase Mortgage Products that permit 100% Financing Click Here
Va Mortgage Financing Click Here
Home Equity Line of Credit (HELOC) Click Here
Top 100% Mortgage Financing Home Loans Click Here
USDA Rural Development Program Click Here
USDA Single Close Construction Loan Click Here
100% Mortgage Program Click Here
FHA Streamline Refinance Click Here
Want to Refinance Your Current Mortgage Click Here
Need a Reverse Mortgage in South Carolina Click Here
Refinancing a Subprime Mortgage - check out our Subprime Product of the month Click Here
Need to Repair your Credit before applying Click Here
Commercial Loan Access (24 States) Click Here
NEW: Subdivision Construction Loans Click Here

Customers first

If you are looking for a mortgage loan in the Charlotte area of North Carolina call us Now or Apply On Line. As a Local Charlotte, NC broker we treat all of our borrowers with the utmost respect. Our Local Charlotte mortgage Borrowers who are happy with the mortgage loan we helped them get are more important to us than anything else. Whether you are Purchasing and need a 100% First Time Home Buyer Mortgage or Refinancing for Debt Consolidation, Home Improvement or just to lower your payment our goal is to make the loan process as simple and worry-free as possible. We even offer the USDA Rural Housing Mortgage Program. We pride ourselves in offering the Residents of Charlotte, North Carolina the highest level of customer service, and appreciate the opportunity to earn your mortgage business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable transaction. Feel free to download our Home Buyer/Owner Metro Book Today!

Get fast answers

At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice. Whether you are located in Charlotte, Concord, Gastonia, Cary, Harrisburg, Huntersville, Lincolnton, Mooresville, Cornelius, Huntersville Wakesboro or any other city in North Carolina we are here to help you obtain your conforming mortgage, FHA mortgage, VA mortgage, USDA Mortgage or Subprime mortgage loan purchase or refinance at the best rate possible. Do not forget to check out our many First Time Home Buyer Programs if you are a First Time Home Buyer. Home loans is what we do best at low competitive rates. Call now and speak to a North Cartolina Mortgage Company Representative today!

100% Home Purchase Mortgage Financing in North Carolina

1st Metropolitan Mortgage — Mon, 14 Jan 2008 09:27:40 -0600

Local Charlotte North Carolina Mortgage Broker

100% Mortgage Financing with No Monthly Mortgage Insurance and with conforming rates!!!

Yes, we have several programs that are still available to homebuyers who are looking to purchase a home with no downpayment requirement.

DreamMaker Program - no property location restrictions, No Monthly Mortgage Insurance, 620 Minimum Credit Score - Non Traditional Credit is OK, Secondary Stated Income is OK

Rural Advantage Program - some property location restrictions apply, No Monthly Mortgage Insurance, 620 Minimum Credit Score - Non Traditional Credit is OK, Secondary Stated Income is OK

Other Mortgage Products we offer:

YES !!! We Write FHA Mortgage Loans

First Time Homebuyer Programs Click Here
4 Great purchase Mortgage Products that permit 100% Financing Click Here
Va Mortgage Financing Click Here
Home Equity Line of Credit (HELOC) Click Here
Top 100% Mortgage Financing Home Loans Click Here
USDA Rural Development Program Click Here
USDA Single Close Construction Loan Click Here
100% Mortgage Program Click Here
FHA Streamline Refinance Click Here
Want to Refinance Your Current Mortgage Click Here
Need a Reverse Mortgage in South Carolina Click Here
Refinancing a Subprime Mortgage - check out our Subprime Product of the month Click Here
Need to Repair your Credit before applying Click Here
Commercial Loan Access (24 States) Click Here
NEW: Subdivision Construction Loans Click Here

Customers first

If you are looking for a mortgage loan in the Charlotte area of North Carolina call us Now or Apply On Line. As a Local Charlotte, NC broker we treat all of our borrowers with the utmost respect. Our Local Charlotte mortgage Borrowers who are happy with the mortgage loan we helped them get are more important to us than anything else. Whether you are Purchasing and need a 100% First Time Home Buyer Mortgage or Refinancing for Debt Consolidation, Home Improvement or just to lower your payment our goal is to make the loan process as simple and worry-free as possible. We even offer the USDA Rural Housing Mortgage Program. We pride ourselves in offering the Residents of Charlotte, North Carolina the highest level of customer service, and appreciate the opportunity to earn your mortgage business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable transaction. Feel free to download our Home Buyer/Owner Metro Book Today!

Get fast answers

At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice. Whether you are located in Charlotte, Concord, Gastonia, Cary, Harrisburg, Huntersville, Lincolnton, Mooresville, Cornelius, Huntersville Wakesboro or any other city in North Carolina we are here to help you obtain your conforming mortgage, FHA mortgage, VA mortgage, USDA Mortgage or Subprime mortgage loan purchase or refinance at the best rate possible. Do not forget to check out our many First Time Home Buyer Programs if you are a First Time Home Buyer. Home loans is what we do best at low competitive rates. Call now and speak to a North Cartolina Mortgage Company Representative today!

FHA Streamline Refinance in South Carolina

1st Metropolitan Mortgage — Fri, 30 Nov 2007 15:13:26 -0600

Our current FHA Rate is 5.75% with an APR of 5.85% - Rates should be lower if Fed cuts rates again on Dec 11, 2007 - call now and have your documentation ready to take advantage of the lower rates today!

If you currently have an FHA Mortgage, you can "Streamline Refinance" your current mortgage.

What exactly does "Streamline Refinance" mean?

If you are interested in an FHA Refinance and live in NC please give me a call. 704-490-4733

Purchasing a Home with an FHA Mortgage with no money down - apply now

Please feel free to call me to discuss your mortgage options. I would be happy to answer your questions.

John D. Popp, Branch Manager

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 Fax: 704-225-9950

Toll Free: 1-888-327-8657

(1-888-FAST OKS)

FHA Streamline Refinance

1st Metropolitan Mortgage — Fri, 30 Nov 2007 15:06:08 -0600

If you currently have an FHA Mortgage, you can "Streamline Refinance" your current mortgage.

What exactly does "Streamline Refinance" mean?

If you are interested in an FHA Refinance and live in NC please give me a call. 704-490-4733

Purchasing a Home with an FHA Mortgage with no money down - apply now

Please feel free to call me to discuss your mortgage options. I would be happy to answer your questions.

John D. Popp, Branch Manager

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 Fax: 704-225-9950

Toll Free: 1-888-327-8657

(1-888-FAST OKS)

FHA Streamline Refinance

1st Metropolitan Mortgage — Fri, 16 Nov 2007 12:59:00 -0600

If you currently have an FHA Mortgage, you can "Streamline Refinance" your current mortgage.

What exactly does "Streamline Refinance" mean?

If you are interested in an FHA Refinance and live in NC please give me a call. 704-490-4733

Purchasing a Home with an FHA Mortgage with no money down - apply now

Please feel free to call me to discuss your mortgage options. I would be happy to answer your questions.

John D. Popp, Branch Manager

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 Fax: 704-225-9950

Toll Free: 1-888-327-8657

(1-888-FAST OKS)

FHA Streamline Refinance

1st Metropolitan Mortgage — Fri, 16 Nov 2007 12:58:03 -0600

If you currently have an FHA Mortgage, you can "Streamline Refinance" your current mortgage.

What exactly does "Streamline Refinance" mean?

If you are interested in an FHA Refinance and live in NC please give me a call. 704-490-4733

Purchasing a Home with an FHA Mortgage with no money down - apply now

Please feel free to call me to discuss your mortgage options. I would be happy to answer your questions.

John D. Popp, Branch Manager

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 Fax: 704-225-9950

Toll Free: 1-888-327-8657

(1-888-FAST OKS)

FHA Streamline Refinance

1st Metropolitan Mortgage — Fri, 16 Nov 2007 12:57:10 -0600

If you currently have an FHA Mortgage, you can "Streamline Refinance" your current mortgage.

What exactly does "Streamline Refinance" mean?

If you are interested in an FHA Refinance and live in NC please give me a call. 704-490-4733

Purchasing a Home with an FHA Mortgage with no money down - apply now

Please feel free to call me to discuss your mortgage options. I would be happy to answer your questions.

John D. Popp, Branch Manager

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 Fax: 704-225-9950

Toll Free: 1-888-327-8657

(1-888-FAST OKS)

FHA Streamline Refinance

1st Metropolitan Mortgage — Fri, 16 Nov 2007 12:56:11 -0600

If you currently have an FHA Mortgage, you can "Streamline Refinance" your current mortgage.

What exactly does "Streamline Refinance" mean?

If you are interested in an FHA Refinance and live in NC please give me a call. 704-490-4733

Purchasing a Home with an FHA Mortgage with no money down - apply now

Please feel free to call me to discuss your mortgage options. I would be happy to answer your questions.

John D. Popp, Branch Manager

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 Fax: 704-225-9950

Toll Free: 1-888-327-8657

(1-888-FAST OKS)

FHA Streamline Refinance

1st Metropolitan Mortgage — Fri, 16 Nov 2007 12:55:10 -0600

If you currently have an FHA Mortgage, you can "Streamline Refinance" your current mortgage.

What exactly does "Streamline Refinance" mean?

If you are interested in an FHA Refinance and live in NC please give me a call. 704-490-4733

Purchasing a Home with an FHA Mortgage with no money down - apply now

Please feel free to call me to discuss your mortgage options. I would be happy to answer your questions.

John D. Popp, Branch Manager

1st Metropolitan Mortgage

4608 Highway 49 S

Harrisburg, NC 28075

Phone: 704-490-4733 Fax: 704-225-9950

Toll Free: 1-888-327-8657

(1-888-FAST OKS)