Skip to main content

Own It – Make that Mortgage Yours!

Apply Now Mortgage Basics

House with Calculator
Mortgage Options

stop dreaming. start owning.

At Charlotte Metro, we’re dedicated to helping you achieve your homeownership dream. With step-by-step guidance and expert support, you’ll feel confident when choosing your mortgage solution for the biggest investment you’ll ever make.

House with Calculator

15- & 30-year fixed-rate mortgages

Make the most of your home investment. Our 15-Year Mortgages will help you own your home sooner and build equity fast. Both 15- and 30-Year Mortgages offer reduced fees and closing costs with as little as 5% down. No Private Mortgage Insurance (PMI) is required with a 20% down payment.

Apply Now

welcome home loan

Open the door to your future. Become a homeowner with as little as $1,500 for loans up to $300,000 with no PMI required. Chat with our Mortgage Specialists or find payment examples and comparisons between a Welcome Home Loan. FHA loan, and conventional loan.

Get the Details

adjustable-rate mortgage (arm)

Need more mortgage flexibility? Consider a 1-, 3-, or 5-year ARM. These plans start you out with a lower initial interest rate than a fixed-rate mortgage, a 5% minimum down payment, and no PMI for qualified mortgage programs. All ARMS are subject to upward adjustment restrictions or “caps.”

Apply Now

land loans

Ever considered building your perfect home? Or found the ideal spot for your future retirement? At Charlotte Metro, we’ll help you purchase or refinance vacant land at competitive rates and with minimal cost.

Apply Now

ok, so here’s the fine print:

The Process

how to apply for your mortgage

the-plan-step-1

which path...

Are you new here or already a member?

the-plan-step-2

take your pick

Apply online for your chosen mortgage solution.

the-plan-step-3

close your loan

With expert guidance throughout the entire mortgage process!

Step 4

welcome home

Easy online management of your new mortgage.

Just starting your house hunt?

get pre-approved

Take charge of your home buying journey with a pre-approval! Our team of mortgage specialists is here to help – submit this form and we’ll be in touch on or before the next business day.

get pre-approved

Take charge of your home buying journey with a pre-approval! Our team of mortgage specialists is here to help – submit this form and we’ll be in touch on or before the next business day.

Learning & Guidance

handy tools and resources to help you make your mortgage decision.