Business Details
Your Trusted Mortgage Broker in San Francisco
MetLife Home Loans was founded on the principle that expert mortgage guidance can transform the homebuying experience. With over 24 years of industry expertise, our team specializes in delivering tailored financing solutions to meet diverse client needs. We combine deep market knowledge with innovative tools like lightning-fast fintech HELOC applications and accelerated approval timelines to streamline the mortgage process. Our commitment to excellence is reflected in our track record of funding over $1 billion in loans and helping more than 3,000 families achieve homeownership. We maintain President's Club Honors annually and rank among the top 1% of loan officers nationally.Our services span specialized programs including VA, FHA, USDA loans, jumbo loans, and physician-specific financing options. We prioritize transparency through resources like our mortgage calculator and personalized rate consultations. Our San Francisco-based team brings West Coast innovation to mortgage lending while maintaining rigorous compliance with financial regulations. We focus on overcoming common barriers to homeownership through down payment assistance programs and low down payment loan options. Our affiliation with Rate, Inc. expands access to personal loan solutions while maintaining strict quality standards for all financial products offered.
Services
VA Loans
FHA Loans
USDA Loans
Jumbo Loans
Bank Statement Loans
Physician Loans
Foreign National Loans
Highlights and features
- We offer 24 years of mortgage industry experience with $1B+ in funded loans
- Our team ranks in the top 1% of national loan officers for production
- We provide specialized financing for physicians, veterans, and self-employed borrowers
- Our Same-Day program approves loans in just 24 hours with low down payment options
- We maintain President's Club Honors annually for exceptional service quality
Services
VA Loans
Specialized mortgage programs for military service members and families offering lower costs and favorable terms. These loans require no down payment in many cases and provide competitive interest rates. Our team helps veterans navigate the unique benefits available through the Department of Veterans Affairs.
FHA Loans
Federal Housing Administration insured mortgages requiring as little as 3.5% down payment. Ideal for first-time homebuyers, these loans offer flexible credit requirements and lower closing costs. We guide clients through the FHA loan application and approval process.
Jumbo Loans
Financing solutions for high-value properties exceeding conventional loan limits. These loans cater to luxury home purchases in premium real estate markets. Our experts help clients secure competitive rates for larger mortgage amounts with tailored underwriting criteria.
Bank Statement Loans
Mortgage programs for self-employed borrowers using bank statements instead of traditional income documentation. This option verifies financial stability through cash flow analysis rather than tax returns. Designed for entrepreneurs and small business owners.
Physician Loans
Specialized financing for medical professionals featuring paid mortgage insurance and 5% minimum down payments. These programs recognize the unique financial circumstances of physicians and healthcare providers. Our team offers tailored solutions for doctors at all career stages.
People
Tom Parke
VP of Mortgage Lending
With 24 years of mortgage industry experience, Tom Parke ranks in the top 1% of national loan officers. He has helped over 3,000 families secure home financing and leads MetLife Home Loans's San Francisco operations.
Questions
What mortgage loan options do you offer?
We provide VA, FHA, USDA, jumbo, bank statement, physician, and foreign national loans with down payment options ranging from 0-10%.
Do you offer down payment assistance programs?
Yes, we help clients access federal and local government grants to overcome down payment barriers for first-time homebuyers.
How quickly can I get mortgage approval?
Our Same-Day program offers loan approval in 24 hours with options as low as 3% down payment requirements.
Can self-employed individuals qualify for loans?
Yes, our Bank Statement Loan program allows self-employed borrowers to qualify using cash flow documentation instead of traditional income verification.
Do you serve international clients?
Yes, we offer Foreign National loans for non-US citizens without social security numbers or visa requirements.
How can I estimate my mortgage payments?
Use our online mortgage calculator or contact a loan expert for personalized payment estimates and rate consultations.
