Rocklin Mortgage Broker & Home Loan Experts – MAC Real Estate Services
Serving Since 2003 “Licensed by the California Department of Real Estate” DRE 01800662 NMLS 1133016
Local guidance. Real answers. 25 years of mortgage experience — without the runaround.
New Loan Products
IRA Account as Income
For owner occupied and non-owner-occupied properties
Total IRA account balance / 36 months = Income to qualify
Up to 90% loan for purchase or up to 80% cash out refinance
Fixed Rate Second Mortgage
Keep your Current Rate
Loan Amounts from $75K to $500K
Access your Home Equity
Available on Primary, Secondary homes & Investment properties
Cash out up to 85% (Combined: First + Second)
40 Year DSCR
Down payment: Only 20% required for purchase
Minimum FICO 640
Cash out up to 80% on refinance
DSCR
40-Year Interest Only
Maximum Loan Amount : 85%
Yellow 40 year interest only
Jumbo Interest Only
Prime Jumbo Released Fixed Interest Only is a 30-year loan with a 10-year interest-only period followed by a 20-year amortization period
Bank Statement 40-Year Interest Only
40-year structure with 10 years of interest-only payments followed by 30 years of fully amortized payments
Angelai
Standalone: 2nd – Cash Out Refinance -DSCR
A fixed‑rate second mortgage (HELOAN)
Investment property – Business purpose loan only
Single Family Residence (1 unit)
2-4 units / PUD / Townhome / Warrantable Condominium / Townhouse
Minimum loan amount: $75,000, Maximum =$500,000
Allowed: LLC, Joint Tenants, Individuals, Tenants in Common
100% Doctor Loan Program
Eligible Properties : • 1-unit Single Family Residence
• Planned Unit Development
• Warrantable Condominiums
• Townhouse
Properties greater than 40 acres allowed with requirements
New Loan Products
Bank Statements
Qualify self-employed and business owner borrowers using bank statements.
Business or Personal Bank Statements
Loan Amounts up to $3.5M
2-1 Buydown Available
Asset Depletion
Use a simple equation to qualify borrowers looking to use assets as income.
Income = Assets / 60 Months
Loan Amounts up to $3.5M
No Liquidation Required
Asset Utilization
Qualify borrowers using their assets—liquidation of assets not required.
Assets = Loan Amount + 60 Months Debt Obligations
Loan Amounts up to $3.5M
No DTI Requirements
CPA Prepared P&L
Qualify borrowers using their CPA Prepared P&L Statements.
No Expense Factor Required
Qualifying Income = Net Income / 12 / Percentage of Business Owned
Requires Minimal Business Bank Statements
IRA
Qualify borrowers using IRA income—combine with other income or use as standalone.
No Liquidation Required
Income = IRA Funds / 36 Month Continuance
Can Be Used Before Retirement Age
Real Estate Flipper
Qualify borrowers with RE Flipper income—combine with other income or use as standalone.
No Tax Returns Required
Loan Amounts up to $3.5M
Must Have At Least 25% Ownership in the Projects
10 years of interest only payments, and then a 30 year amortization period
Purchase, rate & term and cash-out refinance
Non-occupant co-borrowers eligible (co-signer)
Maximum CLTV = 89.99% (down payment 10%) Maximum 10 acres & 10 financed properties
Primary, second home and investment
First-time homebuyers eligible on primary homes ONLY
HELOAN 2ND Mortgage – Our Giant Program
30 Year Fixed Rate, Fully Amortizing Loan
DSCR Options
1 yr Self-Employed OK with 12 months BKST
No Prepayment Penalty
P & L
Primary, 2nd, and Investment Properties
SFH, 2-4 Unit, and Condo’s
1099 Only
Up to 90% CLTV
Loan Amounts up to $750K
Example
Our Jumbo Specials
30-YEAR FIXED
Maximum CLTV = 89.99%
Rental income from the subject property or other properties may be used to qualify
First-time homebuyers (FTHB) eligible
Maximum 10 acres, agricultural
40-YEAR FIXED / 40-YEAR INTEREST ONLY
Maximum CLTV = 89.99%
Maximum 10 acres, agricultural zoning
30-YEAR FIXED -Blue
Maximum CLTV = 89.99%
Purchase, rate & term and cash-out refinance – 1-4 units and condos
Cash-out refinances cannot be listed for sale within prior 6 months
3-4 units available for investment properties only
30-YEAR FIXED-Green
Maximum CLTV = 80%
Non-occupant co-borrowers eligible
Maximum 50 acres, agricultural zoning
First-time homebuyers eligible
Non-occupant co-borrowers eligible
30-YEAR FIXED -Yellow
Maximum CLTV = 90%
Transferred appraisals accepted
Non-occupant co-borrowers eligible
First-time homebuyers (FTHB) eligible
Maximum 40 acres, agricultural
30-YEAR FIXED -Pink
Maximum CLTV = 89.99%
Maximum CLTV = 89Purchase, rate & term and cash-out refinance – 1-4 units.99%
First-time homebuyers eligible
Non-occupant co-borrowers eligible
Transferred appraisals accepted
Jumbo ARMS
Maximum CLTV = 90%
Available products: 5/6, 7/6 and 10/6 SOFR ARMs
PRIME JUMBO INTEREST ONLY
30-Year Interest-Only Fixed
Max CLTV = 80%
10-Year Interest Only, 20-Year Amortization Period
PRIME JUMBO MAX ARMS
Maximum CLTV = 90%
7/6 and 10/6 SOFR ARMs
Have a jumbo scenario? Apply here or call us today for expert guidance.
Any Question?
Text: 916-917-2393