Do I need great credit to get a mortgage?

Not necessarily, but it's a factor in the decision process. At Metro, we offer personalized attention to help you find the right mortgage. Connect with a mortgage specialist today to get started!

What type of mortgage is best for me?

A mortgage is one of the biggest financial decision most people make. That’s why at Metro we offer a wide variety of options to meet your needs, including for first-time home buyers and veterans. We also offer programs for those seeking a low down payment or in need of credit assistance. Connect with a mortgage specialist who can help you figure out the best mortgage for your needs.

What documentation should I gather?

Income verification (last two years' tax returns, W-2s, 1099s, and paystubs from the last 30 days). Drivers' license and Social Security card (or alternative ID). Bank statements from the last two months. Proof of funds to close (and an explanation of where they came from, if it's not obvious). If some or all of your down payment is coming as a gift, you will need a gift letter from the source of the funds confirming it is a gift, not a loan.

Metro can help find the right mortgage for your…

Mortgages

Buying a home is a big decision. We can help!

We offer different types of mortgage options for all types of buyers and we will help you find that right product that fits your lifestyle. Whether you’re a first-time homebuyer looking for a home loan, an existing homeowner looking to refinance your current home mortgage, or just someone looking for mortgage information, Metro can help. All our mortgages offer competitive rates. Get a personalized rate quote for your home mortgage right now:

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Fixed Rate Mortgages

Your monthly payment will not change
Choose from a variety of loan terms
Available for purchase or refinance
No points/no closing costs options

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Bi-Weekly Mortgages

Pay half the monthly amount every two weeks so you pay down your loan sooner by making an additional payment each year
Build equity faster
Get a lower rate than our standard mortgages

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Jumbo Mortgages

Fixed rate and adjustable rate options
Monthly and bi-weekly financing for purchase or refinance
Investment and multi-family financing available
Maximum loan amount $2.5 million

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Additional Mortgage Options

Adjustable rate mortgages
Government sponsored loan programs
Low and no down payment home loans
First-time homebuyer programs
Mortgage refinancing
MassHousing program

Visit your local branch

877.MY.METRO

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Questions? We have answers.

Income verification (last two years' tax returns, W-2s, 1099s, and paystubs from the last 30 days).
Drivers' license and Social Security card (or alternative ID).
Bank statements from the last two months.
Proof of funds to close (and an explanation of where they came from, if it's not obvious).
If some or all of your down payment is coming as a gift, you will need a gift letter from the source of the funds confirming it is a gift, not a loan.

This calculator is provided for illustrative purposes only. No guarantee is made that the quote or interest rates are accurate, current, or suitable for any particular purpose. Metro Credit Union does not make any warranty, guarantee, or promise regarding the accuracy or timeliness of this content. Your quote and rate will be different depending on your credit history. Not all applicants will qualify. All loans are subject to underwriter approval.

Contact one of our Mortgage Specialists today to learn more about our mortgages or apply online to get personalized rates and a mortgage recommendation designed for you.

Programs, rates, terms and conditions subject to change without notice. Quote may not include taxes and insurance escrows, actual payment may be greater. Homeowners insurance required and flood insurance where necessary. All loans are subject to credit approval. Available for residences located in MA or NH. Credit Union membership is required; members must maintain a membership account with a minimum of $5.00. Fees may apply. See the Membership Account Agreement for details.