Turned down for a mortgage? You may still own a home without a traditional bank.
Metrecx helps buyers across the United States who have credit as low as 600, no traditional down payment, and a real path to ownership through seller financing. See if you qualify.
Honest answers only. Nothing here affects your credit score.
The honest version
This is a real path to ownership, not a sales gimmick.
Metrecx is a team that helps distressed home buyers find a workable path to ownership when traditional banks say no. That means we can look at your whole situation instead of just a credit score. It also means being straight with you: this is not rent-to-own, and we will never promise guaranteed approval. What we can offer is a clear, honest way to buy a home when a traditional mortgage has said no.
- Credit as low as 600 is welcomeStill rebuilding? You can still start the conversation.
- No traditional down payment requiredMany of our buyers start with very little saved.
- Every income type countsEmployed, self-employed, commission, or contract based.
- You own the home, not rent itA transparent path toward building your own equity.
How the check works
Five quick questions, then a real conversation.
Answer five questions
About your timeline, price range, credit, income, and what has held you back. No documents, no credit pull.
See where you stand
We show you honestly whether the program looks like a fit for your situation right now.
Book a free call if you qualify
A specialist will walk through your path to ownership. No pressure, just a real conversation.
When do you want to be in your new home?
What price range are you shopping in?
Home prices vary by area, so an estimate is fine.
What range best describes your credit score?
Credit challenges are welcome. We work with scores from 600 and up.
How can you document your income?
We work with W2s, tax returns, bank statements, and contract income.
How much do you have saved for a down payment?
Many buyers start with little saved. This program is built for that.
Where should we send your results?
We will call you to discuss next steps. Have your recent pay stubs or tax returns handy so we can move quickly. Answering honestly speeds up the whole process.
Good news: you look like a strong fit for our program.
Based on your answers, our seller-financed path could be a real option for you. The best next step is a short, honest conversation about how it would work for your situation.
Book your free 15-minute strategy call
Pick a time within the next 4 days that works for you. You will talk with a Metrecx specialist about your path to ownership.
Equal Housing Opportunity
Metrecx is a team that helps home buyers find alternative paths to ownership. We are not a bank and do not make loans. Participation is subject to approval.
You are closer than you might think.
Based on your answers, you may not be quite ready for the program today, and that is completely okay. A few small steps can put ownership within reach, and we would love to help you get there.
- 1Build documented incomeSteady, provable income is the biggest lever. Self-employed and commission income count, as long as you can document it with recent bank statements or tax returns.
- 2Save a small starter amountYou do not need a traditional down payment, but setting aside even a few hundred dollars a month builds real momentum.
- 3Keep your credit moving above 600On-time payments and lowering balances help. You do not need perfect credit, just steady progress.
Equal Housing Opportunity
Metrecx is a team that helps home buyers find alternative paths to ownership. We are not a bank and do not make loans. Participation is subject to approval.