How It Works
The general idea, before any of the details.
A home purchase is a transaction, not a product. Metrecx works on the transaction: how it is put together, where the money moves, and what you are left holding. This page explains the approach. The specifics belong in a conversation about your situation, because that is the only place they are true.
Most buyers are handed one structure and told to fit it.
The standard path has exactly one shape. A lender decides whether your file matches a program, and everything else in the purchase arranges itself around that decision. If the file matches, the structure is fixed. If it does not, there is no second question, just a no.
That works for a lot of people. It also means nobody in the transaction is assigned to ask whether the structure serves the buyer. The agent represents you on the home. The lender represents the loan. The title company records what everyone else decided. The part in the middle, how the purchase itself is built, is nobody's job.
Metrecx takes that part. We look at the whole acquisition, including how much of your cash the transaction consumes before you own anything, which of those costs are actually movable, and whether a different way of putting the purchase together leaves you in a stronger position.
Four steps, and none of them start with an application fee.
Tell us the situation.
Not a form that scores you. A conversation about what you want to buy, what you have to work with, and what has gone wrong so far if something has.
We evaluate the whole transaction.
Where your money goes, which costs are movable, what the acquisition actually requires, and whether a different structure would leave you better off than the one in front of you.
You see the structure in writing.
What it would take, what it would cost, and what you own at the end. If there is no honest version that helps you, we say that instead of selling you something.
You shop, your agent works, we build the path.
You choose the home on the open market. Your agent represents you. Metrecx arranges the private funding and the paperwork behind the purchase.
There is no single Metrecx structure. There are several, they work differently, and they suit different situations. Anyone who tells you the answer before hearing the situation is selling, not advising.
What you'll want to know before you talk to anyone
- Metrecx is not a bank, a mortgage company, or a real estate brokerage. Nothing here is a loan offer.
- There is more than one way to structure a purchase, and they are not equivalent. Some transfer title to you at closing and some do not. Which one applies to you is written down before you commit to anything.
- Your own real estate agent stays in the transaction from the first conversation through closing.
- Credit, income and available cash are all flexible and all depend on the situation. There is no published cutoff to clear, because there isn't one.
- Beyond a credit report fee, the normal costs of buying a home still apply: earnest money, inspection, appraisal, insurance, and your funds to close.
If we cannot explain it to you in your own words, it is not ready.
Mortgage language exists to move risk from the page to you. Metrecx writes the structure out in ordinary sentences and walks through it with you before anything is signed, including the parts that are not in your favor.