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Loan Programs

There are several types of loan programs available for homebuyers, each with its own features, benefits, and eligibility requirements. Here are some of the most common loan programs:

Conventional (Fannie Mae & Freddie Mac) Loans

  • As Low as 3% Down Payment
  • Down Payment Assistance Available (Restrictions Apply)
  • 620 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • Down Payment Can be Gifted
  • Monthly Mortgage Insurance
  • Not Required with 20% or More Down Payment
  • Automatically Cancels at 78% LTV (Loan-to-Value)
  • $726,200 Maximum Loan Amount

Apply NowLearn More

FHA (Federal Housing Administration) Loans

  • 3.50% Down Payment
  • Down Payment Assistance Available (Restrictions Apply)
  • 580 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • Down Payment Can be Gifted
  • 1.75% Upfront Mortgage Insurance Premium
  • Financed into Loan Amount
  • 0.55% Monthly Mortgage Insurance
  • Remains for Life of Loan (if Down Payment is < 10%)
  • $472,030 Maximum Loan Amount

Apply NowLearn More

FHA 203k (Home Renovation) Loans

  • 3.50% Down Payment
  • Streamline 203k Loan
  • Use for Cosmetic and Common Repairs up to $35,000
  • Standard 203k Loan
  • Use for Extensive Repairs Over $5,000
  • 620 Minimum Credit Score
  • Down Payment Can be Gifted
  • 1.75% Upfront Mortgage Insurance Premium
  • Financed into Loan Amount
  • 0.55% Monthly Mortgage Insurance
  • Remains for Life of Loan (if Down Payment is < 10%)
  • $472,030 Maximum Loan Amount

Apply NowLearn More

VA (Veterans Affairs) Loans

  • Zero Down Payment – 100% Financing
  • 580 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • 2.30% Upfront Mortgage Insurance Premium (First-Time Use)
  • Financed into Loan Amount
  • Will Vary Depending on Down Payment and Subsequent Use
  • No Mortgage Insurance
  • No Maximum Loan Amount

Apply NowLearn More

First-Time Homebuyer Loans

  • Down Payment Requirements
  • Conventional – 3% (Can be Gifted)
  • FHA - 3.50% (Can be Gifted)
  • VA - 0% (Zero Down Payment)
  • USDA – 0% (Zero Down Payment)
  • Down Payment Assistance
  • Conventional – Up to 3% (Restrictions Apply)
  • FHA – Up to 3.50% (Restrictions Apply)
  • Credit Score Requirements
  • Conventional – 620+
  • FHA – 580+
  • VA – 580+
  • USDA – 640+

Apply NowLearn More

USDA (Rural Development) Loans

  • Zero Down Payment – 100% Financing
  • 640 Minimum Credit Score
  • 1.00% Upfront Mortgage Insurance Premium
  • Financed into Loan Amount
  • 0.35% Monthly Mortgage Insurance
  • Remains for Life of Loan
  • Income and Property Areas Restricted

Apply NowLearn More

Investment Property Loans

  • 20% Down Payment
  • 620 Minimum Credit Score
  • DSCR (Debt Service Coverage Mortgage)
  • Qualify Based on Rental Income

Apply NowLearn More

Jumbo Loans

  • As Low as 10% Down Payment
  • 680 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • No Mortgage Insurance Option
  • Loan Amounts Over $726,200

Apply NowLearn More

Each loan program has its own unique features and requirements, so it's important for homebuyers to research and compare their options carefully to find the loan that best suits their financial needs and goals.

How We Can Help Buy Your Dream House

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Shop For Best Rate

We will use our network of lenders to shop for the best rates and loan program to fit your needs.

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  • icon Shop Multiple Lenders
  • icon Lower rates, Lower Payments
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Fast Funding

Our team will use our expertise to make sure your loan gets funded fast! We make funding a breeze.

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Fund Your New Home

Welcome To MD Mortgage and Loans

At MD Mortgage and Loans, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

With over 40 years of experience in the real estate industry, I specialize as a commercial and residential mortgage broker, workout specialist, and in managing complete informal settlements. My primary focus is on matching the right properties with the correct buyers quickly and efficiently. I have expertise in short sales, foreclosures, and handling problematic properties. My strong relationships with banks, insurance companies, and asset managers allow me to secure Real Estate Owned (REO) properties exclusively for sale.  I'm continuously seeking investors interested in engaging in real estate at a wholesale level. My objective is to make dreams come true for our clients, with all investments secured by real property. I thrive on challenges and finding solutions. Beyond financial assistance, I offer strategic thinking to maximize investment outcomes. Whether you're investing in a new home, warehouse, shopping center, apartment building, or land, I guide you through the process with ease, ensuring minimal costs and secure investments, typically yielding 8% to 12% returns for lenders.

We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!

Our team at MD Mortgage and Loans is fast, friendly, experienced and here to help you every step of the process!

Our Satisfied Clients

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Monthly Buydown Calculator

Use this calculator to see how you can initially lower your monthly payments.

* Please note: this calculator is for illustration payments and actual payments may vary.

Purchasing

We work conforming and non-conforming real estate loans.

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Monthly Payment Mortgage Calculator*

Use this calculator to see monthly payments for different loan amounts.

* Please note: this calculator is for illustration payments and actual payments may vary.

The MD Mortgage and Loans Advantage

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Local Knowledge

We know the area and the market and we're part of your community, not a bot on the net :)

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Fast Processing

We work to close your loan as quickly as possible. We can even hit curveballs!

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Best Service

We offer a hybrid approach of new technology to speed closing and old fashioned customer service and communication.

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Utilizing Technology

We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!

The MD Mortgage and Loans Address

Contact Us:

Phone: (818) 335-6836

Address: 6262 Van Nuys Boulevard, Van Nuys
Los Angeles, CA
91401

Office Hours:

Monday-Friday: 9am to 6pm
Saturday: 10am to 2pm
Sunday: Closed

Refinance

We can help you lock in a long term fixed rate and get out of your ARM.

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Get started with our easy online application.

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*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.