As a Local NC broker we treat all of our borrowers with the utmost respect. Our Carolina 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 or Refinancing our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the Residents of 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. 1st Metropolitan Mortgage offers many of the First Time Homebuyers Programs that are available today.

• My Community
• Home Opportunity
• House America
• HomeStyle Mortgage
• Community HomeStyle Mortgage
• FHA
• VA

These programs allow a buyer to purchase a home with zero downpayment. Currently FHA requires a 3% downpayment but it can be gifted or granted from a non profit agency which your mortgage broker will help you obtain.

Each program has its own unique characteristics. Some require a verification of prior rent some do not. Some will use Alternate Credit Some do not. A few of the programs allow for stated secondary or border income. Apply Today!

For this reason First Time Homebuyers should work with a broker and not with a lender. If you pick the wrong lender you might be disqualified because your situation does not "fit" their program. A good mortgage broker will work hard to put the buyer into the best loan that they have available to them.

Since we are a branch of a National Mortgage Broker, we have over 250 National and/or Regional Lenders that are available to us. We will be able to offer you a very competitive rate. A Rate that is actually available. We do not quote Low rates just to get you to sign an application. Get your rate quote today!

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.