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John Popp Charlotte Home Loan and FHA Source

brightgreen mortgage campaign - Prius Sweepstakes - Go Green

1st Metropolitan Mortgage Introduces BrightGreen Mortgage Campaign; Toyota Prius Sweepstakes CHARLOTTE, N.C., Oct 8, 2008 – 1st Metropolitan Mortgage, a national mortgage originator, has made a commitment to making the mortgage origination process more environmentally friendly by introducing its national BrightGreen Mortgage campaign. The program will give originators the tools and support to produce more environmentally-friendly mortgages while saving consumers time and money. Participating branches will operate in a greener and far more sustainability way than the current industry standard to produce mortgages. “We do not have to be environmental activists or make complete lifestyle changes to have a significant, positive effect on our environment,” said Daniel Jacobs, 1st Metropolitan CEO. “Simple acts go a long way to preserving our future. 1st Metropolitan Mortgage has always said we have a solid foundation for a better future. The BrightGreen Mortgage initiative is just another way of demonstrating our commitment to the future.” The campaign has multiple facets from community initiatives to a hybrid vehicle sweepstakes to new technology and business practice better accomplish the mission of the BrightGreen Mortgage. “As a company in an inherently paper-saturated business, we believe it is imperative that we take the initiative to reduce paper and become even more environmentally socially responsible,” Jacobs said. “This campaign increases awareness within our organization of corporate social responsibility while also providing our originators a way to differentiate the goods and services they provide in a highly commoditized industry, which is not historically environmentally responsible. Consumers win, we win, the environment wins… and one lucky person will win a Toyota Prius.” There are several elements to the BrightGreen Mortgage campaign, including:

The company estimates that for every loan, 500 pieces of paper are used, which means for 17 closed loans, one tree is consumed, 811 gallons of waste water is created and 242 pounds of green house gases (CO2) are created. This does not take into consideration the loans that do not result in a closing. With the BrightGreen Mortgage, 1st Metropolitan plans to reduce these numbers substantially. “While we cannot eliminate 100 percent of the paper, waste water and green house gases used in the mortgage,” Jacobs said, “the BrightGreen mortgage is a major step toward greater sustainability and the reduction of squandering our environmental resources.”

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)

Hispanic Mortgage Originator

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

Bilingual in Spanish - Your Mortgage Expert

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

New Bilingual Mortgage Originator - Charlotte, NC

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

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)