First-Time Buyers
Understand down payment, closing costs, credit, income, debt-to-income ratio, escrow, appraisal, and the loan timeline.
Purchase loans
Buy the house. Skip the mortgage chaos.
Whether this is your first home or your next one, Heavy Metal Mortgage helps you understand approval, payment, cash-to-close, loan options, and what to expect before you make an offer.
Purchase mortgage guidance
Move-Up Buyers
Compare selling, buying, payment changes, equity, temporary housing challenges, and closing coordination.
Investment Buyers
Explore conventional investment financing, DSCR options, reserves, rent qualification, and long-term cash-flow strategy.