Mid Michigan (989) 723-3859 | West Michigan (231) 425-5555 | California, Florida and Illinois (310) 892-6053

Local Experts — Exceptional Service

We are a small company that takes pride in having a vested personal interest in your financial success.

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How do I know what price house I qualify for?2019-10-13T19:45:01-04:00

When we qualify you for a home, what we try to determine is how much payment you can afford. Based on your payment comfortability, we can give you a price range to start searching in. Due to the many factors that go into calculating a monthly payment, you may be able to qualify for a $100,000 house but not an $80,000 house. We will look at each house you are interested in individually and give you customized figures before you make an offer.

How Do I Know What Programs I Qualify For?2019-10-13T19:44:45-04:00

We offer FHA, RD/USDA, Conventional, VA, MSHDA, Rehab/Repair, and New Construction loans. We will take all your information and consider you for all programs. Based on your specific needs and long term goals, we will help you select which program is best for you.

Are there any first-time home buyer programs available?2019-10-13T19:44:53-04:00

Yes. We have a wide range of programs to meet many needs which include programs for first-time homebuyers.

Why Choose Metro?

You have many options to choose from when selecting your mortgage partner. We’ve found success doing business a little differently than most others in the industry.

If you are looking to work with a lender who has flexible programs, low rates and excellent service, you can be confident in choosing Metro Mortgage.

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See what our clients say…

See What Our Customers Say…

John took all the stress away from us as first time home buyers. He answered every question we had and was always available. I would recommend John to anyone.

Derek Woltjer Avatar
Derek Woltjer

John was fantastic to work with! The process was so smooth, and he was so great in answering any questions I had along the way. Definitely recommend!

Stephanie Speers Avatar
Stephanie Speers

I have worked with Metro Mortgage on the purchase of my home, cabin and refinance of my home. Each time working with John Emerson. He has been fantastic to work with and extremely helpful. if you have ever had to get a mortgage, you know how daunting and time consuming it can be. John was with us every step of the way, making sure we had all the information we needed and guiding us thru the process. When the interest rates had dropped (pre-COVID) he reached out to let me know. By doing that, we made the decision to do so. We were able to get a better interest rate with a shorter mortgage length and ended up with a bit lower monthly payment! If you are looking to purchase a home...Call John at Metro Mortgage. You won't be sorry!

Happy Wife Avatar
Happy Wife

We had an excellent experience working with Metro Mortgage. John was always quick to help with questions as they came along, and he worked with us many times after hours and outside normal business hours to fit our scheduling needs. He provided options, education, and support every step of the way during the process. We highly recommend working with John for any of your mortgage needs!

Emily Bickel Avatar
Emily Bickel


Find the Right Program For You

Learn about the major loan and mortgage programs and find out which might be the right option for you!

Rural Development – RD

Build A Home

We can work with our local homebuilders to create a construction loan.

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Buy A Home

Buying a home can seem daunting and it’s hard to know where to start. Let us help.

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Meet The Team


(NMLS #137885)

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(NMLS #137683)

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(NMLS #138145)

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(NMLS #1622182)

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(NMLS # 1455365)

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(NMLS #1379144)

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Metro Mortgage is proud to offer home loans to residents of these cities and all of Michigan
Ludington | Manistee | Hart | Pentwater | Scottville | Shelby | Whitehall | Big Rapids | Fremont | Chesaning | Perry | Durand | Swartz Creek | Fenton

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