The Basics
 

• Think You Can’t Qualify? Let an Underwriter Review Your File.
• Need Down Payment Help? Let’s Explore Your Options.
• From Pre-Qualification to Closing—We’re With You Every Step.

BUYING A HOME? LET'S FIND THE RIGHT LOAN FOR YOU
Your home. Your finances. Your mortgage should fit your situation.

Whether you're a first-time homebuyer, moving up, self-employed, investing in real estate, buying a luxury home, or relocating to California, MGB Financial Services, Inc. can help you explore mortgage options designed around your individual financial situation.

30+ Years of Mortgage Experience
Your File Reviewed With an Underwriter's Perspective
Purchase • Conventional • FHA • VA • Jumbo • Down Payment Assistance • Self-Employed • Non-QM • Investor & DSCR • Specialty Financing

[ GET PRE-QUALIFIED ]
[ EXPLORE YOUR LOAN OPTIONS ]
NOT SURE WHICH LOAN PROGRAM IS RIGHT FOR YOU?
You don't have to figure it out alone.

A mortgage isn't simply about finding the lowest advertised rate. The right financing can depend on your income, credit history, monthly obligations, available down payment, assets, property type, occupancy and long-term goals.

At MGB Financial, we take time to understand your complete situation and help you explore available financing options.

EXPERIENCE MATTERS
With 30+ years of mortgage experience and an underwriting background, we understand that every loan file tells a different story.

If you've been told you don't qualify—or you're self-employed, have complicated income, recently changed jobs, own investment properties, or simply aren't sure where to start—talk to us before giving up on homeownership.

[ LET AN EXPERIENCED UNDERWRITER REVIEW MY OPTIONS ] WHAT IS A PURCHASE LOAN?
A purchase loan is a mortgage used to help finance the purchase of a home or other eligible property.

Instead of paying the entire purchase price in cash, you provide the required down payment and finance the remaining eligible amount through a mortgage.
Your monthly housing expense may include:
✓ Principal
✓ Interest
✓ Property taxes
✓ Homeowners insurance
✓ Mortgage insurance, when applicable
✓ HOA dues, when applicable
The loan program that's right for you will depend on your individual qualifications and the property you're purchasing.

START BEFORE YOU START SHOPPING
Knowing your potential financing range before you fall in love with a home can make the buying process easier.
[ FIND OUT WHAT I MAY QUALIFY FOR ]
FIND THE RIGHT HOME LOAN FOR YOU
There is no single mortgage program that's right for every buyer.
MGB Financial offers access to traditional and specialty mortgage programs so we can help you compare available options.

CONVENTIONAL LOANS
A popular financing option for qualified borrowers purchasing a primary residence, second home or investment property.
Potential benefits may include:
✓ Low-down-payment options for qualified borrowers
✓ Fixed- and adjustable-rate options
✓ Primary residence, second home and investment property financing
✓ Mortgage insurance may be removable when applicable
✓ Options for first-time and repeat buyers

[ EXPLORE CONVENTIONAL LOANS ]
FHA HOME LOANS
FHA financing is insured by the Federal Housing Administration and may provide an accessible path to homeownership for qualified buyers.
Potential features include:
✓ Down payment as low as 3.5% for qualified borrowers
✓ More flexible credit guidelines than some conventional programs
✓ Gift funds may be permitted
✓ First-time buyers are welcome—but you don't have to be a first-time buyer
✓ Eligible 1–4 unit properties may qualify
✓ FHA renovation financing may also be available

[ EXPLORE FHA LOANS ]
VA HOME LOANS
For eligible veterans, active-duty service members and certain surviving spouses, VA financing can provide powerful homeownership benefits.
Potential features include:
✓ No down payment in eligible circumstances
✓ No monthly private mortgage insurance
✓ Competitive financing options
✓ Flexible qualification guidelines
✓ Purchase and refinance programs available

[ EXPLORE VA LOANS ]
JUMBO & LUXURY HOME FINANCING
Buying a higher-priced California property?
Jumbo financing is designed for loan amounts above applicable conforming loan limits and may offer solutions for borrowers with higher income, significant assets or more complex financial profiles.
Ideal for:
✓ Luxury homes
✓ Move-up buyers
✓ High-balance financing needs
✓ High-income professionals
✓ Qualified self-employed borrowers
✓ Borrowers with substantial assets

[ EXPLORE JUMBO FINANCING ]
SELF-EMPLOYED? YOUR TAX RETURN MAY NOT TELL YOUR WHOLE STORY.
Business owners and self-employed borrowers can have strong cash flow while showing lower taxable income because of legitimate business deductions.
A traditional mortgage isn't necessarily your only option.

Depending on your circumstances and program availability, alternative-documentation programs may include:

BANK STATEMENT PROGRAMS
Qualifying income may be evaluated using eligible personal or business bank deposits rather than relying solely on traditional tax-return income.

PROFIT & LOSS (P&L) PROGRAMS
Certain programs may allow eligible self-employed borrowers to qualify using a qualifying profit-and-loss statement.

1099-ONLY PROGRAMS
Certain eligible borrowers receiving 1099 income may have financing options that use alternative income documentation.

ASSET-BASED PROGRAMS
Substantial eligible assets may help qualifying borrowers demonstrate the ability to repay under certain programs.

NON-QM / ALTERNATIVE DOCUMENTATION
Programs may be available for borrowers whose income, employment, assets or property circumstances do not fit traditional agency guidelines.

NO-TAX-RETURN OPTIONS
Certain alternative-documentation programs may not require traditional tax returns for income qualification.
Self-employed doesn't automatically mean you can't qualify.

[ CHECK MY SELF-EMPLOYED LOAN OPTIONS ]
REAL ESTATE INVESTOR? LET THE PROPERTY HELP TELL THE STORY.
Investment-property financing can be very different from financing your primary residence.

MGB Financial can help investors explore:
✓ DSCR Loans
✓ Conventional Investment Loans
✓ Rental Property Financing
✓ 1–4 Unit Investment Properties
✓ Purchase Financing
✓ Cash-Out Refinance Options
✓ Portfolio and alternative financing, when available

DSCR LOANS
A Debt Service Coverage Ratio (DSCR) program may qualify an eligible investment property primarily by evaluating the property's rental income in relation to its housing obligation, subject to program requirements.

This can be particularly useful for real estate investors who don't want to qualify solely through traditional personal-income documentation.

[ EXPLORE INVESTOR & DSCR LOANS ]
NEED HELP WITH YOUR DOWN PAYMENT?
A large down payment isn't always required to purchase a home.
Qualified buyers may have access to programs that can assist with eligible down payment and/or closing costs.
Availability and eligibility can depend on factors such as:
✓ Household income
✓ Property location
✓ Occupancy
✓ Credit qualifications
✓ Purchase price
✓ First-mortgage program
✓ Individual assistance-program requirements
Don't assume you need 20% down before asking about your options.

[ SEE IF I MAY QUALIFY FOR DOWN PAYMENT ASSISTANCE ]
MORE WAYS TO FINANCE YOUR HOME
Your situation may require something beyond a standard mortgage.

Ask MGB Financial about available options for:
PHYSICIAN & PROFESSIONAL PROGRAMS
Specialized financing may be available to eligible physicians and other qualifying professionals.

MANUFACTURED HOME FINANCING
Financing options may be available for eligible manufactured homes, subject to property and program requirements.

RENOVATION FINANCING
Buying a property that needs improvements? Certain programs may allow eligible purchase and renovation costs to be combined into financing.

CONSTRUCTION FINANCING
Building instead of buying an existing home? Ask about construction financing options.

ADU FINANCING
Interested in adding or financing an Accessory Dwelling Unit? Ask us to review available financing options based on your project and property.

RELOCATION FINANCING
Moving to California? We can help you plan the mortgage side of your relocation before you begin seriously shopping for a home.

USDA FINANCING
Eligible properties in qualifying rural and certain suburban areas may qualify for USDA financing, subject to location, household-income and program requirements.

[ TELL US WHAT YOU'RE TRYING TO ACCOMPLISH ]
FIRST-TIME HOMEBUYER?
START WITH THE NUMBERS — NOT THE HOUSE.

Buying your first home can feel overwhelming because there are so many questions:

• How much home can I afford?
• How much money do I need for a down payment?
• What credit score do I need?
• Can my family give me gift funds?
• Can I get down payment assistance?
• What will my monthly payment be?
• Which loan program should I use?

You don't need to know all the answers before contacting us.
We'll help you understand the financing side of buying a home so you can make informed decisions before you start seriously shopping.

FIND OUT:
✓ Your potential homebuying range
✓ Estimated down-payment requirements
✓ Which programs may fit your situation
✓ Whether down-payment assistance may be available
✓ What documentation may be required
✓ What your next step should be

[ I'M A FIRST-TIME BUYER — HELP ME GET STARTED ]
HOW THE HOME PURCHASE PROCESS WORKS
1. INITIAL PRE-QUALIFICATION
We learn about your income, employment, credit, assets, debts, available down payment and homebuying goals to provide an initial understanding of your financing options.

2. MORTGAGE PRE-APPROVAL
When appropriate, we review supporting documentation and credit information to determine whether you may meet applicable program requirements.
A stronger financing position can also help demonstrate to sellers that you're a serious buyer.

3. FIND YOUR HOME
Work with your real estate professional to search for a property that fits your needs and financing range.

4. MAKE AN OFFER
Once you've found the right property, your real estate professional can help prepare and negotiate your purchase offer.

5. COMPLETE YOUR LOAN APPLICATION
Once you're ready to proceed, complete the required mortgage application and provide the necessary property and financial documentation.

6. PROCESSING & UNDERWRITING
The loan file is assembled and reviewed, and the underwriter evaluates the application against the requirements of the selected loan program.

7. APPRAISAL
When required, an independent appraisal is ordered to provide an opinion of the property's value for lending purposes.

8. FINAL LOAN APPROVAL
Once required underwriting conditions have been satisfied, the loan can proceed toward final approval and closing.

9. CLOSING & YOUR NEW HOME
You'll review and sign the required closing documents, complete applicable closing requirements and, once the transaction is completed, receive the keys to your new home.
HOW MUCH HOME CAN YOU AFFORD?
Your buying power isn't determined by income alone.
A mortgage professional may need to consider:
Income • Credit • Monthly Debts • Down Payment • Assets • Interest Rate • Property Taxes • Insurance • HOA • Property Type • Occupancy • Loan Program
That's why an online mortgage calculator can only tell you part of the story.
DON'T GUESS. LET US REVIEW THE NUMBERS.

[ FIND OUT WHAT I MAY QUALIFY FOR ]
WHICH BEST DESCRIBES YOU?
I'm a First-Time Buyer
→ Find out where to start.

I'm Self-Employed
→ Explore bank statement, P&L, 1099 and alternative-documentation options.

I'm an Investor
→ Explore DSCR and investment-property financing.

I'm Buying a Luxury Home
→ Explore jumbo and specialty financing.

I Need Down Payment Assistance
→ Check available assistance options.

I've Had Credit Problems
→ Let us review the situation before assuming you can't qualify.

I Was Turned Down Somewhere Else
→ A different program or underwriting approach may be worth exploring.

[ REVIEW MY LOAN OPTIONS ]
READY TO GET STARTED?
CHOOSE THE OPTION THAT FITS WHERE YOU ARE TODAY.
JUST EXPLORING?

Start with our short questionnaire. Tell us about your goals and financial situation so we can help identify possible next steps.
[ QUICK PRE-QUALIFICATION ]

READY TO APPLY?
If you're ready to provide complete information, start the full mortgage application.
[ COMPLETE FULL LOAN APPLICATION ]
BEFORE SOMEONE TELLS YOU “NO,” LET'S LOOK AT THE WHOLE PICTURE.

• Every homebuyer is different.
• Maybe you're a traditional W-2 employee.
• Maybe you're self-employed.
• Maybe you need down-payment assistance.
• Maybe you're an investor looking for DSCR financing.
• Maybe you're a physician buying your first home.
• Maybe you've had a credit issue.
• Or maybe another lender couldn't find a program that worked for you.

Don't assume you don't qualify without exploring your options.
With 30+ years of mortgage experience and an underwriting perspective, MGB Financial Services, Inc is here to help you understand the possibilities and the next steps.
YOUR HOMEOWNERSHIP JOURNEY CAN START WITH ONE CONVERSATION.

[ FIND OUT WHAT I MAY QUALIFY FOR ]
[ START MY PRE-QUALIFICATION ]
NEED HELP?
MGB Financial Services, Inc.
Call: 562-809-2643
Email: Loan@MGBFinancial.com
Website: www.MGBFinancial.com
30+ Years of Mortgage Experience
Purchase • Conventional • FHA • VA • Jumbo • Down Payment Assistance • Bank Statement • Non-QM • DSCR • Investor • Specialty Financing
More Programs. More Options. A Better Path to Homeownership.

[ GET PRE-QUALIFIED TODAY ]
IMPORTANT INFORMATION
Loan programs, rates, terms, down-payment requirements, credit requirements, documentation requirements, loan limits, property eligibility and underwriting guidelines vary by lender and program and are subject to change.

Not all borrowers or properties will qualify for all programs. Down-payment assistance, alternative-documentation, DSCR, manufactured-home, physician, construction, ADU and other specialty programs are subject to individual program availability and eligibility requirements.

Pre-qualification and pre-approval are not commitments to lend. All loans are subject to applicable underwriting requirements and final approval.
This information is provided for general informational purposes only.
© MGB Financial Services, Inc All Rights Reserved.

What is a purchase loan?

A purchase loan is a mortgage used to finance the purchase of a home or other eligible property. Instead of paying the entire purchase price in cash, you finance a portion of the cost and repay it over an agreed period of time.

The right mortgage depends on your income, credit, assets, down payment, property type, occupancy, and long-term financial goals.