Whitman Metropolitan, Inc. is a CA & FL Broker currently licensed in the States of California & Florida. Whitman Metropolitan, Inc isCOMMITTED to providing the best possible service to our clients at the lowest possible cost. We understand the importance of a good value in times when the real estate market isn't always offering it.
Whitman Met strives to provide quotes that are not only appealing to our potential clients because of ourfair rates and fees, but also, we strive to provide quotes that are whollyhonest. Give us a call and enjoy the experience working with someone who is patient, understanding, and happy to help you select the best possible loan for you, rather than just trying to sell you something.
Whitman Met strives to provide quotes that are not only appealing to our potential clients because of ourfair rates and fees, but also, we strive to provide quotes that are whollyhonest. Give us a call and enjoy the experience working with someone who is patient, understanding, and happy to help you select the best possible loan for you, rather than just trying to sell you something.
Services
Need financing options on a California home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel likeplaying whack-a-mole. We're here to make the home loan processa whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREEpre-approval letterrequest.
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper.
We're here to make the home loan processa whole lot easier, with tools and expertise that will help guide you along the way, starting with ourFREE30-Year Fixed Rate Mortgage Qualifier.We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.
We're here to make the home loan processa whole lot easier, with tools and expertise that will help guide you along the way, starting with ourFREE30-Year Fixed Rate Mortgage Qualifier.We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.
This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you'll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years.
An ARM is an Adjustable Rate Mortgage. Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically.
The intial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
The intial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan processa whole lot easier, with tools and expertise that will help guide you along the way, starting with ourFREE FHA Loan Qualifier.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan processa whole lot easier, with tools and expertise that will help guide you along the way, starting with ourFREE FHA Loan Qualifier.
Reviews (21)
Kimberly R.
May 27, 2020
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Great experience!! Kat is top notch! I can't say enough good things about her, very knowledgeable, responsive, helpful and professional. From our first conversation Kat provided honest feedback and recommendations for my refinance. Kat got me a great rate with rebates! Nick will help you through the underwriting process to ensure that everything is flowing smoothly.
Best team in the business! I am extremely happy, and I highly recommend them. I have already referred a few friends their way.
Best team in the business! I am extremely happy, and I highly recommend them. I have already referred a few friends their way.
Robert Erler
Apr 22, 2020
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Bernadette P.
Mar 07, 2020
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I was recommended by a co-worker when I wanted to re finance my home, I first started the process with a huge refi company which i will not mention (because they could not get my paperwork I emailed to them like 3x) I sent Kat the offer paperwork from them and she said it was ok to go with them if I wanted to..... BUT her personality and her willing to help me with someone else's offer and she did not brush me off made me go with her Whitman Metropolitan - Kat made it easy breezy!! she helped me with stuff I did not understand and tried to help me with some tax stuff that i had no idea I
Dondi G.
Feb 27, 2020
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Kat was referred to us by a friend who raved about the amazing service that he received when he refinanced his homes. And when it was time to refi another property, Kat delivered again. I spoke to a few lenders and didn't get such a great vibe from any of them. But with Kat, right off the bat, you knew and felt it right away that she is the way to go. She was EXTREMELY knowledgeable at her job. She answered all our questions and concerns. Presented us with all our options and took the time to go over the pros and cons with each option. After we decided and locked on a rate, the whole
Joe Flesher
Dec 10, 2019
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Kat Whitman helped me for the first time, and I couldn’t believe how smooth the transaction was. We closed my refinance in 10 days (unbelievable). She was upfront and honest with the entire transaction, which I loved. Before I came to her, I was halfway through a refi, and she was able to save me not only .5% but also a whole heap of money on my closing costs. Thank you, Kat! I will be back.
Anne Suarez
Nov 25, 2019
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Kat and Nick are the best of the best!! Very knowledgeable and very professional. They look out for the best interest of their clients. I was so impressed with the speed of the whole process. Keeping me updated all the time. They are easy to work with and we felt like we have known them for a long time! I highly recommend Whitman Metropolitan Inc for all your home financing needs!
Fernando V.
Oct 22, 2019
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I was recommended to work with Whitman Metropolitan on my refi by a coworker. Kat helped me obtain a low interest rate and with high credits to cover all closing costs. She is very knowledgable and responsive. She works with big lenders and can help you get the best rates. I had an issue with my original deed when I purchased my house, and she helped me pressure the previous escrow company to fix my issue. Kat and Nick work well together. I highly recommend them.
Jim I.
Sep 09, 2019
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Kat helped me with finding a loan for my first home purchase, as well as a subsequent refinance for that loan.
Both times, she was super responsive and helpful. She provided several different loan scenarios to help us make the right choices. Most importantly she always made herself available - fast email responses and always willing to jump on a quick call.
I would highly recommend Kat for any loan needs.
Both times, she was super responsive and helpful. She provided several different loan scenarios to help us make the right choices. Most importantly she always made herself available - fast email responses and always willing to jump on a quick call.
I would highly recommend Kat for any loan needs.
Peili H.
Sep 07, 2019
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Tl;dr I absolutely love Kat. Use her, you won't regret it.
I first started using Kat a little over five years ago on a refinance. After my first loan experience (with someone else), I was not expecting much. In fact, the experience was so bad the only reason why I refinanced was because rates had dropped by almost 2% (couldn't keep throwing money away). Working with Kat was a whole different experience.
First off, Kat is methodical, extremely methodical, and will have her ducks in a row before executing the process. You never have to worry about extending loan contingencies, or fine
I first started using Kat a little over five years ago on a refinance. After my first loan experience (with someone else), I was not expecting much. In fact, the experience was so bad the only reason why I refinanced was because rates had dropped by almost 2% (couldn't keep throwing money away). Working with Kat was a whole different experience.
First off, Kat is methodical, extremely methodical, and will have her ducks in a row before executing the process. You never have to worry about extending loan contingencies, or fine
Kendra Amaro Niedziejko
Aug 25, 2019
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Kat and her Loan Processor, Nick, are some of the best in the business. My brother highly recommended Kat, and she was even better than advertised. Both Kat & Nick were extremely responsive, knowledgeable and proactive in moving the process along. I got a SCREAMING deal refi-ing my 20 yr fixed rate from 4.375% to 3.375% with only $400 in total… all-in closing costs. I applied on 7/31 and my loan was fully funded on 8/16. I work in Finance, and previously worked at E-LOAN for 7 years - I know what good mortgage people look like, and these guys are some of the best I've ever worked with
Mike P.
Jul 26, 2019
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I worked with Kat to refinance my house. We were able to drop our interest rate by a percent from late last year. Not only was the process more smooth than I thought it could ever be, but the rate we got on the refinance was the best we could find. Kat went above and beyond to make the process easy. She was honest and upfront about all the options we had, the fees associated with them and looked out for our best interests. I would highly recommend Whitman Metropolitan for any first purchase or refinance loans.
Philipp A. Schaedler
Jul 23, 2019
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Best in the mortgage business! Outstanding efficiency and results!
Kat Whitman has helped me with my initial mortgage and most recently with refinancing my 30 year fixed mortgage lowering my interest by one percent to 3.9%. There is no one I have come across in the mortgage business that is more knowledgeable, dedicated and efficient (she literally works every day) than Kat Whitman. I refer all my clients to Kat Whitman because I can rest assured that my clients are getting the best possible deal with their mortgage.
Kat Whitman has helped me with my initial mortgage and most recently with refinancing my 30 year fixed mortgage lowering my interest by one percent to 3.9%. There is no one I have come across in the mortgage business that is more knowledgeable, dedicated and efficient (she literally works every day) than Kat Whitman. I refer all my clients to Kat Whitman because I can rest assured that my clients are getting the best possible deal with their mortgage.
Jayson Angove
Jul 06, 2019
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Absolutely Amazing. Kat called us out of the blue to let us know that interested rates had fallen and she guided us through every step of the process. We went from a 4.5% to 3.99%. She went above and beyond to make sure we understood everything we were getting ourselves into and guided us through every step of the process. Would absolutely recommend her to anyone looking for financing or refinancing.
Pam M.
May 14, 2019
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Michael LaFrenais
May 04, 2019
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Joy Young
May 02, 2019
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Kat is the very best mortgage agent I’ve ever worked with! So refreshing...she finds solutions for your specific situation and is great at this! She’s an excellent communicator all along the way, explaining the pros and cons of every option. She will give you so much of her time to make the loan the very best deal possible for you. Kat is more ethical and generous than other lenders I’ve worked with, by far. I will always use her for my mortgage needs and refer all of my friends to her because she’s amazing.
Robert C.
Mar 07, 2019
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Go ahead, delete all the mortgage contacts from your phone. Just do it. Why? Because Whitman is the only contact that you need. (You can thank me later for doing all the leg work for you)
Kat and Charles are hands down THE BEST that you will find if you need a loan or refinance. I was recently involved in a home purchase that encountered a number of obstacles. I cannot remember how many times I told myself "I'm so happy they are in my corner". Their level of communication, customer service, and expediency are the finest in the industry. You can sense this from the very
Kat and Charles are hands down THE BEST that you will find if you need a loan or refinance. I was recently involved in a home purchase that encountered a number of obstacles. I cannot remember how many times I told myself "I'm so happy they are in my corner". Their level of communication, customer service, and expediency are the finest in the industry. You can sense this from the very
Joe F.
Feb 28, 2019
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Kat and Charles did a fabulous job in providing our refinance. We were able to work through electronic communication and the process was well organized and effective, including working with the home appraiser and notary.
Kat did an exceptional job of keeping updated on rates and changes until we locked in.
Kat did an exceptional job of keeping updated on rates and changes until we locked in.
DeDe C.
Oct 31, 2018
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This was my third time purchasing a home, but my first time working with Kat and Charles. And, wow, what a difference! I recall my previous financing experiences being tedious, stressful and time-consuming. Kat and Charles made it easy, fast, and explained everything with the perfect amount of detail. To say they were amazing to work with would be an understatement. I did not know either of them and sent them a cold email requesting a pre-qualification letter on a Sunday evening. Within 30 minutes, I had a response listing exactly what I needed to provide. After providing the documents that night
Megan B.
Aug 30, 2018
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Kat Whitman is the best!! She was so helpful throughout the entire process of buying our first home, I truly don't know what we'd do without her. She was patient with the insane amount of questions I asked, always was clear in what information I needed to provide, and consistently ahead of where we needed to be every step of the way. She was so quick to respond, I honestly wonder if this woman ever sleeps... So lucky to have found her, because I'll go directly back to her next time!
David W.
Dec 19, 2017
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Kat was amazing throughout the entire loan process when I purchased my condo. The lender was quite picky and she navigated the process flawlessly, updating me immediately, even if it was late in the evening. She also went above and beyond working with both my agent and the seller's agent. It was a difficult process due to a job change and having the seller being located in China, but Kat acted as a professional project manager throughout the entire process, doing things that a normal mortgage broker would never do. I would 100% recommend Kat for anyone looking for a mortgage or refinance.
