Metropolitan Mortgage Corporation

01/09/2026

What a difference a year makes!

🏠 Buying a $500k Home? See How Much You Could Save!
If you’ve been waiting for the right moment to enter the market, the numbers tell a compelling story. We compared a 7% interest rate against a 5.99% rate for a $500,000 purchase with 20% down ($100,000)—and the savings are significant.

Here is the breakdown of what a 5.99% rate means for your wallet:

📉 Monthly Payment: Save $265 every month compared to a 7% rate.

💰 5-Year Interest: Pay $20,230 LESS in interest over the first five years alone.

🚀 Lifetime Savings: You could save a staggering $95,608 in total interest over the life of your loan.

At Metropolitan Mortgage, we’ve spent nearly three decades helping families in Kansas City and Overland Park find their "More Affordable" path to homeownership. Don't let high interest be the "tax" you pay for waiting—let's run your numbers today!

👉 See what you qualify for: https://www.emetropolitan.com/interest-rates/kansas-city-mortgage-rates/

11/07/2025

https://www.emetropolitan.com/fannie-mae-removes-minimum-credit-score-du-november-2025/

Fannie Mae removes 620 minimum credit score from DU starting Nov 16, 2025. This update expands homeownership access. See if you qualify today.

11/03/2025

NEW 2026 Conforming Loan Limits for Kansas and Missouri

The Federal Housing Finance Agency (FHFA) has set the baseline conforming loan limit for 1-unit properties at $819,000 in 2026, applicable uniformly across all counties in both Kansas and Missouri (with no high-cost area exceptions).

This represents a modest increase from the 2025 baseline of $806,500, reflecting slower home price growth nationwide.
Limits by Property Type (All Counties):

1 Unit - $819,000
2 Unit - $1,049,000
3 Unit - $1,268,000
4 Unit - $1,576,000

For county-specific details or to confirm no variations:

https://www.emetropolitan.com/missouri-conforming-loan-limits-by-county/

https://www.emetropolitan.com/kansas-conforming-loan-limits-by-county/

These limits apply to conventional mortgages eligible for purchase by Fannie Mae or Freddie Mac. Loans above these amounts are considered jumbo and may have stricter requirements or higher rates. Contact us for personalized advice, as we are already originating loans up to these anticipated limits.

View the 2026 current conforming loan limits by county in the State of Kansas. See the max mortgage loan limit for each County in Kansas.

10/28/2025

Have you heard how much this year’s shift in mortgage rates could save you?

Monthly mortgage payments are now $280 lower than they were just a few months ago.

For some buyers, that’s the kind of change that can take buying a home from “not yet” to “let’s go.”

It’s the best affordability we’ve seen in 2.5 years.

If you want an estimate of what a mortgage payment could look like at your price point in our market, comment “LET’S GO” and we’ll run the local numbers for you.

10/06/2025

There’s a lot to digest when it comes to understanding how mortgage rates shift and change over time, and we aren’t going to get into all of that today. But if there’s one thing to watch on where they’re likely headed, it’s the 10-year treasury yield.

Basically, the 10-year treasury yield is a widely watched benchmark for long-term interest rates. And as the yield goes up or down, mortgage rates tend to follow.

The good news is – the gap between the two is starting to narrow. And with experts saying the 10-year yield should come down going into next year, that means there’s room for mortgage rates to come down too.

I know this is a lot to keep track of. And that’s exactly why you should have an expert on your side. I’ll do the heavy lifting for you and will keep you posted as new data comes out and as rates fall further.

Contact us with the ideal mortgage rate you’re looking for, and when we hit that number, we’ll be the first to let you know.

09/20/2025

Buyer demand is finally climbing again.

Why? Mortgage rates just dipped to their lowest level since last October and that was enough for some buyers to jump back in.
If you’ve been waiting to move – or your listing didn’t sell earlier this year – this could be your moment.

You’ve got the chance to list while demand is heating up and before other sellers catch on.

Reach out if you want to know my plan on how to take advantage of this moment – and get ahead of the competition in your neighborhood.

09/15/2025

Based on the latest economic data, the Fed is expected to cut the Federal Funds Rate more than once this year.

Here’s why that matters. Mortgage rates don’t follow the Fed’s actions directly, but they do respond to what financial markets expect the Fed will do. If markets believe cuts are coming, mortgage rates could move lower.

That’s great news for you, because even small drops in mortgage rates can make a big difference if you’re buying a home.

But all of this is going to depend on where the economy goes from here – and that’s something I’ll keep you posted on.

Want to see what today’s numbers could mean for your budget? Let’s connect.

09/10/2025

Mortgage rates just had their biggest one-day drop in over a year.

They fell to the lowest they've been since last October.

And that shift matters. Compared to when rates were at 7% earlier this year, that could mean your future monthly payment is now about $200 lower.

Want to know how much you could save if you’re looking to buy? Contact us and let’s talk it over.

09/04/2025

If you’ve owned your home for a while, you probably have some serious equity.

Right now, over two-thirds of homeowners have either paid off their mortgage entirely or have at least 50% equity.

That’s a powerful position to be in. Because that much equity gives you a strong financial cushion and an asset you can use to fund your long-term goals.

If you're thinking about moving, downsizing, or just curious what your home’s really worth, contact us and weI’ll give you a personalized estimate, because your equity might be able to get you there sooner rather than later.

08/31/2025

Everyone’s waiting for rates to fall. And according to NAR, the magic number they're hoping for is 6%. But is that number on the horizon?

Most forecasts say rates will stay in the mid-to-low sixes through the end of next year. But right after the latest weaker than expected jobs report, rates hit their lowest point so far this year (6.55%). And that sparked hope they’re on their way down.

Ultimately, what happens from here all depends on the next round of economic reports. As of right now, experts agree a bit drop isn’t expected, but small changes are possible. Here’s what to watch.

When rates do fall to 6%, it could unlock 5.5 million more buyers. So waiting would mean dealing with a lot more competition. And less negotiating power.

If you’re hoping to buy and you’re able to make the numbers work today, buying now might actually be to your advantage.

Want to talk about your options before the rush hits?

08/20/2025

Over the past few weeks, mortgage rates hit their lowest point of the year – and it was big news.

So, what you need to know if you’re buying a home is, whenever these shifts happen (whether they’re now or later), even a small change in rates can make a big difference in your monthly payment.

While major drops in mortgage rates aren’t projected for the rest of 2025, smaller declines are still expected – depending on where the economy goes from here.

If you want to see what the math looks like at another home loan amount or mortgage rate, contact us and weI’ll run the numbers for you, so you can plan ahead.

08/18/2025

Use our free Kansas City mortgage calculator to estimate your monthly home loan payments, including principal, interest, taxes, insurance, HOA fees, and PMI if applicable. Whether you’re a first-time buyer exploring options or refinancing in Overland Park, this tool offers personalized insights tailored to the Kansas City market. Adjust variables like loan term, down payment, and interest rate to see how they impact your payments.

https://www.emetropolitan.com/mortgage-calculators/mortgage-calculator/