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  Metro City Bank Home Mortgage Loans
Metro City Bank Home Mortgage Loans
in Home Purchase Mortgages from Metro City Bank · NMLS ID #874399
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Metro City Bank Home Mortgage Loans

Unaffiliated
in Home Purchase Mortgages from Metro City Bank · NMLS ID #874399
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Highlights
Loan Amount N/A
Loan Term (Years) Up to 15 years
Credit Score Range 600 - 850
No Origination Fee N/A

Metro City Bank Home Mortgage Loans Review

Metro City Bank Home Mortgage Loans is offered by Metro City Bank (NMLS #874399), a bank founded in 2014 and based in Doraville, GA. Metro City Bank Home Mortgage Loans is available in 7 states across the USA.

Key Takeaways
  • Only offers one mortgage pogram. Metro City Bank Home Mortgage Loans only provides
  • Financing for a variety of property types. Offers home loans for manufactured, single, and multi-family homes.
  • Standard interest rates types. Metro City Bank Home Mortgage Loans offers adjustable-rate mortgages and fixed-rate mortgages.
  • Primary and secondary homes considered. Investment homes, such as rental properties, do not qualify for financing. However, Metro City Bank Home Mortgage Loans does offer financing for primary and secondary homes (e.g. vacation properties).
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
  • Fair credit accepted. Borrowers with a credit score as low as 600 may qualify for Metro City Bank Home Mortgage Loans.
Metro City Bank Home Mortgage Loans Pros & Cons
Pros Cons
  • Considers applicants with fair credit.
  • Offers financing for single family, multi-family, and manufactured homes.
  • Charges an origination fee.
  • Charges prepayment fees.
  • Only available in 7 states.
Metro City Bank mortgage FAQ

What is the maximum loan term you can get with Metro City Bank mortgage?

Metro City Bank mortgage offers mortgages with a maximum term of 15 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What mortgage rates does Metro City Bank offer?

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

Do they charge mortgage origination fees?

Yes, Metro City Bank mortgage may charge a loan origination fee.

What mortgage programs are available?

Besides conventional mortgages, Metro City Bank mortgage offers the following mortgage types:

What property usage types does Metro City Bank mortgage allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Metro City Bank mortgage allows the following property usage types: 

  • Primary home

What is the support contact email?

The support contact email for this business credit card is HelpDesk@metrocitybank.com.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 4:00pm
  • Friday 9:00am - 4:00pm
  • Saturday 9:00am - 1:00pm

Other Services by Metro City Bank

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Business Checking Accounts

2 Products

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1 Reviews

Metro City Bank Business Checking Account

Metro City Bank Business Interest Checking Account

CD Accounts

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Checking Accounts

4 Products

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Metro City Bank Personal Checking Account

Metro City Bank Personal Interest Checking Account

Metro City Bank Metro Platinum Checking Account

Metro City Bank Senior Checking Account

Money Market Accounts

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Savings Accounts

3 Products

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Metro City Bank Personal Savings

Metro City Bank Gold Personal Savings

Metro City Bank Diamond Personal Savings

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Business Loans

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Availability

  Available in 7 states
  • Alabama
  • Florida
  • Georgia
  • New Jersey
  • New York
  • Texas
  • Virginia

Feature Breakdown

Credit Score Range 600 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Intended Use Primary Home
Joint Loan Applications Accepted
  • Individual Applications
Minimum Age 18
Property Type
  • Manufactured/Mobile Home
  • Multi-Family Home
  • Single Family Home
  • Townhome
Verification Documents Required
  • Recent Pay Stubs
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
  • Recent Bank Statements
  • Social Security Number
  • Driver License (or other photo ID)
Primary Residence
Loan Term Up to 15 years
Interest Rate Types Offered
  • Fixed-Rate Mortgage
  • Adjustable-Rate Mortgage (ARM)
Mortgage Programs N/A

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