Home Mortgages

Whether you're buying your first home, trading up to a bigger one or maybe just looking to lower your monthly payment, Metro Credit Union in Massachusetts has a solution for you. When you choose Metro for your home mortgage, you can take advantage of -

A full lineup of programs. From affordable and first-time home buyer programs to jumbo mortgages, we have a mortgage program that’s the perfect fit for you.
Free pre-approvals. Shop for your new home with confidence with a free pre-approval. If you apply for your mortgage now, we’ll issue an approval subject to your finding the perfect home. We’ll instantly issue an online pre-approval letter to you. Use it to assure real estate brokers and sellers that you are a qualified buyer, and gain a valuable negotiating advantage with sellers. Obtain a free pre-approval now.
Expert guidance every step of the way. When you choose Metro for a mortgage, you will receive the highest level of service and the most competitive rates in the area. We offer three easy ways to apply:
Apply online in as little as 20 minutes and get instant approval.
By Phone: Call 877-MY-METRO (877-696-3876) ext. 7589 to speak with a Mortgage Specialist.
In Person: Visit any of our convenient branch locations.

Mortgage Resources

Get a customized rate quote
Check our current rates
Get Rate Alerts
Calculate mortgage payments
Use our online Resource Center
Contact us by email
Call us at 1-877-696-3876 ext. 7589 (Mortgage Applicants)
Call us at 1-877-696-3876 ext. 7591 (Existing loan inquiries)
Schedule automatic mortgage payments
Request a mortgage loan payoff
View the Mortgage Servicing Fee Schedule

Loan Option	Your best choice if…	Features
Fixed-rate home mortgage	You want a predictable monthly payment for a fixed period of time. You plan to live in your home for several years.	Fixed monthly payments make budgeting easier. Choice of terms.
Bi-weekly home mortgage	You want to quickly build equity in your home. You want to reduce the term of your loan. You want to reduce your overall interest.	Payments are made biweekly. You can take up to 8 years off a 30-year mortgage. Lowers interest charges.
Adjustable-rate home mortgage	You expect your income to rise and want to keep your monthly payments lower initially. You plan to live in your home for a short period of time.	Your rate stays fixed for an initial term then adjusts annually. Interest rate caps limit the amount your interest rate can change, giving you peace of mind.
First-Time Home Buyers	You have limited down payment funds. You are looking to eliminate or reduce upfront costs.	Reduced closing costs. Flexible down payment options Discounted rates.
Affordable Housing Programs	You have low-to-moderate income. You have limited down payment funds.	Expanded debt-to-income ratios make qualifying easier. Discounted rates. Expanded terms available.