01Metro specialty
Condo & Co-op
The building matters as much as the borrower. We underwrite both — starting day one.
- Non-warrantable condo options
- HOA review handled in-house
- Co-op board package support and deadline tracking
- Litigation and reserve-study review before you're in contract
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02Most popular
Conventional
The workhorse. Sharp fixed rates, flexible down payments, fast approvals.
- As little as 3% down for qualified buyers
- 15, 20, and 30-year fixed terms
- PMI drops automatically at 78% loan-to-value
- Underwritten in-house for speed
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03High balance
Jumbo
Big-city prices need big-city loan limits. Financing up to $3.5M.
- Loan amounts above conforming limits, up to $3.5M
- Competitive fixed and ARM options
- Asset-based and self-employed income accepted
- 10% down available with strong reserves
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04Low down
FHA
Government-backed flexibility for buyers still building credit or savings.
- 3.5% down with a 580+ credit score
- Flexible debt-to-income guidelines
- Gift funds allowed for the full down payment
- FHA-approved condo lookup handled for you
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05Own already
Refinance
We run the break-even math before you commit. If it doesn't pencil, we'll say so.
- Rate-and-term and cash-out options
- Drop PMI when your equity qualifies
- Streamline options with reduced paperwork
- Side-by-side savings breakdown, no obligation
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06New to this
First-Time Buyer
Your first closing shouldn't feel like a second job. We translate everything.
- Down payment assistance program matching
- Plain-English walkthrough of every fee
- Rate lock protection while you shop
- Dedicated loan officer from application to keys
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