Buying a home with Metro Mortgage
Purchasing a home isn’t only a dream — it’s probably one of the biggest investments you’ll make in your lifetime. Getting a home loan financed is a complex process, and it pays to be prepared before you take that step.
At Metro Mortgage LLC, an experienced mortgage advisor is always ready to answer your questions and walk you through the loan application. We’re with you at every step, until you open the door to your new home.
How buying with us works
- Talk to us about your goals. We review your income, assets, debts and credit, and explain the programs that fit.
- Get pre-qualified. Shop knowing your budget, with a letter you can include with your offers.
- Find your home and make an offer. We work with your real estate agent on timing and contract details.
- Apply and lock your rate. Complete your application through our secure online portal and lock your rate when the timing is right.
- Processing, appraisal and underwriting. We gather documents, order the appraisal and keep your file moving.
- Close and get your keys. You’ll review your Closing Disclosure before closing day, then sign and move in.
See the full mortgage process for what happens at each step.
Choosing the right loan
- Conventional loans: fixed- or adjustable-rate financing for buyers with solid credit.
- FHA loans: flexible credit guidelines and a low down payment, popular with first-time buyers.
- VA loans: for eligible veterans, service members and surviving spouses, with no down payment for eligible borrowers.
- Jumbo loans: for loan amounts above the conforming limit, common in Northern Virginia.
Buying for the first time? Our first-time home buyer guide covers assistance programs in Virginia, Maryland and DC.