If you currently have an FHA Mortgage, you can "Streamline Refinance" your current mortgage.
What exactly does "Streamline Refinance" mean?
In most cases 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 1 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
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
If you are looking for the lowest rate on Jumbo Mortgages, and you live in Virginia, or North Carolina, you have found the right place.
We currently have a Lender which we feel has the lowest rates for both a 5/1 Arm and a 7/1 Arm Program.
The following are the LTV's that the lender will go to on a Purchase or a Rate and Term Refinance:
upto $850,000 - 80%
1,500,000 - 75%
2,000,000 - 70%
2,500,000 - 60%
3,000,000 - 50%
For New Construction (homes never lived in) reduce LTV by 15%
Minimum Fico Scores are a 650 for Wage Earner and a 700 the Self Employed Interest Only optios are available.
1st Metropolitan Mortgage
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
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
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I am a mortgage professional that is all about communication and customer service. Besides the normal conforming mortgage programs, I offer FHA, VA, and USDA Mortgage loans on a National Level.
As a Local Charlotte, 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.
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. 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. APPLY NOW!
Since we are a branch of a, 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
Your Foundation for a better Future
1st Metropolitan Mortgage is the mortgage source for fast, friendly service providers, working hard to maximize your financial resources, and enabling you to realize your goals of homeownership. While any mortgage company can offer to process a loan, 1st Metropolitan Mortgage strives to provide higher standards of diversified mortgage services while maintaining our status of industry excellence, quality care, and unsurpassed customer service. We may be close to Charlotte, NC but we write mortgages in every county of NC with the same great service. Are you looking to Refinance or Purchase a home we, handle all types of mortgage lending. Visit 1st Metrolpolitan Mortgage today.
We are a national retail brand offering all types of loans through our unique relationships with top lenders. 1st Metropolitan Mortgage was ranked 4th largest Mortgage Broker for 2004. Are you a First Time Home Buyer? We have many programs for you to qualify from.
Putting Customers First
We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers.
Lower Mortgage Costs Through Cutting-edge Mortgage Origination Technology
Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available. In a rush? We welcome you to try our mortgage calculators! The Internet, advanced mortgage processing software, and automated mortgage underwriting systems are coordinated to speed the mortgage process and deliver the best rate and terms.
Highest Quality Mortgage Services
From mortgage processing and underwriting, to loan closing and funding, our expert mortgage staff will efficiently expedite your entire transaction. We'll keep you informed every step of the way. We're committed to building rewarding, long-term customer relationships. With that in mind, you'll receive the highest quality mortgage services.
Meeting Every Challenge
We rapidly respond to new opportunities made available in today's dynamic mortgage markets. As a result, the requirements of our mortgage customers are consistently met through mortgage underwriting flexibility and delivery of unique mortgage programs. We often identify niche mortgage programs that are essential to satisfying individual mortgage customer needs.
1st Metropolitan Mortgage - 44720 Piedmont Row Circle Suite 200, Charlotte, NC 28210
Office Phone: (704) 490-4733 Fax: (704) 454-5660 Cell Phone: 704-796-5440
Toll Free Phone: 1-888-327-8657
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