For more than 30 years, MGB Financial Services, Inc. has helped homebuyers, homeowners, self-employed borrowers, professionals, physicians, real estate investors, entrepreneurs and business owners explore financing solutions designed around their individual circumstances.
Every borrower is different. Every property is different. Every financial situation is different. That is why we start by understanding your goals, income, assets, credit profile, property, available documentation and overall financial picture before exploring financing options.
You don't have to know which mortgage program you need. Start with the option that is easiest for you.
We believe mortgage financing should never be treated as one-size-fits-all. Our goal is to understand what you are trying to accomplish and then help you explore financing programs that may be appropriate for your circumstances.
Whether you are purchasing your first home, refinancing, buying a luxury property, relocating to California, expanding an investment portfolio, purchasing an apartment building, financing commercial real estate or acquiring a business, we believe the process should begin with understanding the complete financial picture.
We Don't Just Ask Which Loan You Want. We Look at How the Loan May Be Evaluated.
Don't Guess — Let an Underwriter Review Your Options.
Mortgage qualification involves much more than a credit score. Lenders may evaluate income, employment, assets, reserves, monthly obligations, property characteristics, documentation and applicable program guidelines.
This approach can be especially valuable for self-employed borrowers, business owners, physicians, executives, professionals, real estate investors, high-net-worth borrowers and clients whose financial profiles do not fit neatly into a traditional mortgage box.
Select a category below to learn more. If you are not sure which program fits, let us review your situation first.
FHA, VA, Conventional, first-time buyer, Jumbo, luxury home and other purchase financing options.
EXPLORE HOME LOAN OPTIONS →Rate-and-term, cash-out, FHA Streamline, VA refinance, debt consolidation and other refinance solutions.
EXPLORE REFINANCE OPTIONS →Explore ways qualified homeowners may be able to access available home equity without automatically assuming a full refinance is best.
REVIEW HOME EQUITY OPTIONS →FHA purchase, low-down-payment and eligible FHA refinance options for qualified borrowers.
EXPLORE FHA LOANS →Financing options for eligible veterans, active-duty service members and other qualified VA borrowers.
EXPLORE VA LOANS →Traditional mortgage financing for qualified homebuyers, homeowners and eligible properties.
EXPLORE CONVENTIONAL LOANS →Qualified buyers may have access to programs designed to help address down-payment and eligible home-purchase costs.
EXPLORE DOWN PAYMENT OPTIONS →Bank statements, 1099, P&L, alternative documentation and other Non-QM financing possibilities.
EXPLORE SELF-EMPLOYED OPTIONS →Financing for qualified real estate investors, rental properties, investment purchases, refinances and cash-out transactions.
EXPLORE INVESTOR & DSCR LOANS →Mortgage options for qualified physicians and medical professionals, including borrowers relocating or beginning new employment.
EXPLORE PHYSICIAN FINANCING →Ground-up construction, construction-to-permanent, custom-home, land-plus-construction and eligible ADU financing.
EXPLORE CONSTRUCTION LOANS →Financing options for eligible manufactured homes, manufactured homes with land, purchases and refinances.
EXPLORE MANUFACTURED HOME LOANS →Explore reverse-mortgage solutions for eligible homeowners and determine whether this type of financing fits your objectives.
EXPLORE REVERSE MORTGAGE →Need additional time before traditional mortgage qualification? Explore an alternative path toward potential future homeownership.
EXPLORE LEASE OPTION TO BUY →Commercial real estate, multifamily, business acquisition, SBA, gas station, motel, bridge and other business financing.
EXPLORE COMMERCIAL FINANCING →Don't Assume You Need a Large Down Payment Before Exploring Your Options.
For many families, purchasing a home represents stability, independence and an opportunity to build a future.
Depending on borrower eligibility and program availability, qualified buyers may have access to FHA, VA, Conventional, low-down-payment and Down Payment Assistance programs.
Traditional mortgage qualification can sometimes be challenging for business owners and self-employed borrowers. Depending on the borrower and available program, alternative documentation options may be worth exploring.
Some financing situations simply do not fit neatly into traditional lending guidelines.
A previous decline does not necessarily mean every financing option has been exhausted.
We take time to understand the borrower, property and transaction before exploring a financing strategy.
Our underwriting experience helps us look for potential qualification issues and documentation needs early in the process.
From first homes and luxury residences to investment properties, commercial real estate and businesses.
We understand that physicians, executives, entrepreneurs, investors and self-employed borrowers may require a different approach.
Important financial decisions do not always happen between 9 and 5. We strive to remain accessible when clients need guidance.
Our objective is not simply one transaction. We want to remain a financing resource throughout different stages of your life.
Our commitment to professional service has resulted in recognition over the years, including:
While professional recognition is appreciated, one of our greatest accomplishments is the trust of clients who return and refer their families, friends, colleagues and business associates.
We listen first. We understand your goals. We evaluate the complete financial picture. Then we help you explore financing possibilities that may align with your objectives.
Because at MGB Financial Services, the transaction may be about financing— but the relationship is about you.
Tell us what you are trying to accomplish. We can review your situation and help you explore financing programs that may be appropriate for your circumstances.
Residential • Luxury • Investment • Commercial • Business Financing
30+ Years of Mortgage Experience
Phone: 562-809-2643
Email: Loan@MGBFinancial.com
Website: www.MGBFinancial.com
DRE #00984310
NMLS #257-608 / 280-127
Loan programs are subject to borrower qualification, underwriting approval, property eligibility, program availability and applicable lending requirements. Rates, terms, guidelines, documentation requirements and eligibility are subject to change. Not all borrowers or properties will qualify. This information is provided for general informational purposes and does not constitute a commitment to lend.