Apply Now
This is an application to work with Metrecx on a home purchase. It is not a credit application, it does not create an approval or a denial of credit, and it costs nothing to send. A person reads it and a person calls you back.
Start the application
Six short steps. It takes about ten minutes, you can stop partway and come back, and nothing you enter commits you to anything.
This is not an application for credit. Sending it creates no approval, no denial and no obligation on either side. Do not enter a Social Security number, an account number or a document anywhere on the site. Those go through the secure portal below.
Rather just talk?
Call the number below. There is no version of this where you have to fill out a form before a person will speak with you.
What this is not
Not a credit application. Not a pull of your credit without your say-so. Not an enrollment, and not a fee. Metrecx is not a bank, a mortgage company, or a real estate brokerage, and nothing here is an offer of credit.
Four steps, and you hear from a person at every one.
You send the application.
It goes to a person, not a scoring engine. Nothing is decided by the form itself and nothing on it commits you to anything.
Someone calls you.
Usually within a business day or two. This is a conversation about the situation, not a reading of your file back to you.
We evaluate the transaction.
About five business days. We look at the whole purchase, not just whether you fit something.
You get an answer in writing.
Either a structure laid out in plain language with the costs and the terms on it, or an honest no with the reason. Both are real answers.
Worth having in front of you
None of this is required to send the form. It just makes the call afterward a great deal more useful.
- Who is buying, and whether anyone is buying with you.
- Roughly what you are looking for and where, even if it is only a range.
- What you have available for the purchase, and what you need to keep in reserve.
- How you are paid. Salary, self-employed, commission, tips, benefits, more than one source.
- What has happened so far, including anything that went wrong. Especially that.
- Your real estate agent's name, if you already have one.
Paperwork is arranged with a person, never through email.
When it is time for pay stubs, tax returns, bank statements or identification, the person handling your file will set up a secure way to send them and will walk you through it on the call. Nothing sensitive should be sent by email, and you do not need to gather any of it before anyone has spoken to you.
Signatures are arranged the same way, with identity verification and a record of what was signed and when. If you ever get a request for documents that did not come from the person handling your file, it did not come from us. Call the number above and check before you send anything.