MetLife Home Loans

Purchase Loans
Buying your first home? Thinking of moving to a bigger house, a new neighborhood, or across the country?

No matter what your plans may be, I can help make the experience simpler and easier for you. MetLife Home Loans offers a variety of mortgage choices, which means you're assured of home financing that's a good fit with your budget and needs. You can also look forward to personal, friendly service that always puts your needs first.

Our inventory of home…

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Purchase Loans
Buying your first home? Thinking of moving to a bigger house, a new neighborhood, or across the country?

No matter what your plans may be, I can help make the experience simpler and easier for you. MetLife Home Loans offers a variety of mortgage choices, which means you're assured of home financing that's a good fit with your budget and needs. You can also look forward to personal, friendly service that always puts your needs first.

Our inventory of home loans features two basic types of financing:

Fixed-Rate Mortgages: These are traditional loans that feature a fixed interest rate for the life of your loan.

Adjustable Rate Mortgages: These loans, often described by the acronym ARM, feature a lower interest rate for the first 1 to 10 years of your loan's term. Eventually, an ARM will adjust or "reset" to a new interest rate, which may be lower or higher than the introductory rate.

Both fixed- and adjustable-rate mortgages are available in a variety of terms and options. After discussing your personal preferences and financial needs, we'll recommend one or more loans to you.

For example, we may recommend a government-insured loan product like an FHA or VA loan, or a Jumbo loan if you're buying in a high-cost area. If you don't want to put down a large down payment, we have several products that only require 3% down.

To learn more, visit Fixed-Rate Mortgages or Adjustable-Rate Mortgages. After you review our loans in more detail, check out Choosing The Best Loan, a checklist that asks you a series of questions about your loan preferences before recommending a product.

Refinance Loans
If current market interest rates are lower than your home loan's rate, it may be an ideal time to consider refinancing. With our help, you can maximize your savings and improve your future outlook in several ways:

You can lower your monthly mortgage payments, freeing up more cash
You can apply for a "cash-back" refinance and use the funds for anything from college tuition to home renovations
You can shorten your home loan's term for additional savings
You can convert an adjustable-rate mortgage (ARM) into a fixed-rate loan for lasting peace of mind
You can consolidate a first and second mortgage -- often called a first and second lien -- into a single loan.

Fixed-rate or ARM?

A refinance offers the same options as your home's original mortgage, which means you may be able to choose from:

Fixed-Rate Mortgages: These offer the predictability of a fixed interest rate for the life of your loan.

Adjustable-Rate Mortgages: These enable you to take advantage of lower introductory interest rates and monthly payments
Start saving money faster with streamlined refinancing
If you have a FHA or VA mortgage, you may qualify for a Streamline Refinance. These offer lower monthly payments with less paperwork, and you may save on closing costs and fees, too.

Learn About Reverse Mortgages:

Use your equity to keep living in your home. If you’re a homeowner age 62 or older, you may be able to use the equity you've built up in your home to help supplement your income without depleting your savings – all while you continue to live in your home. Categories:   Consumer Loans | Real Estate Loans

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