M.C.R Financial Services provides great service.

Don’t Qualify? We’ll work it out!

We work with low fico scores in order for our customers to reach their dreams of buying a home.

Experienced Advisors

Seasoned professional guiding you through your entire loan process.

Low Direct Lender Rates!

We offer the widest variety of mortgage programs at great rates.

Low Costs, Fast Closings

We handle all aspects of the loan transaction in-house, from application all the way through closing. That keeps costs low, and turn-times fast!

Your first step to homeownership starts here.

Let’s Go!

Conventional Loan

Wide range of options to suit many unique needs.

3%

min. down payment

Loan highlights 

  • Fixed-rate options

  • 15-, 20-, or 30-year terms offered

  • PMI required with <20% down

A conventional mortgage loan of $225,000 for 30 years at an interest rate of 5.0% with a 5.3% APR, and a down-payment of $45,000, will have a monthly payment of $966.28. Taxes and insurance are not included in this estimate; the actual payment obligation would be greater.

A conventional mortgage loan of $225,000 for 20 years at an interest rate of 4.5% with a 4.94% APR, and a down-payment of $45,000, will have a monthly payment of $1,138.77. Taxes and insurance are not included in this estimate; the actual payment obligation would be greater.

A conventional mortgage loan of $225,000 for 15 years at an interest rate of 4.25% with a 4.59% APR, and a down-payment of $45,000, will have a monthly payment of $1,354.10. Taxes and insurance are not included in this estimate; the actual payment obligation would be greater.

A conventional mortgage loan of $200,000 for 30 years at an interest rate of 5.0% with a 5.309% APR, and a down-payment of $6,000 will have a monthly payment of $1,041.43. Taxes and insurance are not included in this estimate; the actual payment obligation would be greater.

A conventional mortgage loan of $200,000 for 20 years at an interest rate of 4.75% with a 5.059% APR, and a down-payment of $6,000 will have a monthly payment of $1,253.67. Taxes and insurance are not included in this estimate; the actual payment obligation would be greater.

A conventional mortgage loan of $200,000 for 15 years at an interest rate of 4.25% with a 4.559% APR, and a down-payment of $6,000 will have a monthly payment of $1,459.42. Taxes and insurance are not included in this estimate; the actual payment obligation would be greater.

FHA Loan

For first-time buyers or buyers with lower credit scores.

3.5%

min. down payment

Loan highlights 

  • Popular with first-time buyers

  • Flexible credit requirements

  • Mortgage insurance is required

An FHA mortgage loan of $200,000 for 30 years at an interest rate of 5.0% with a 6.02% APR, and a down-payment of $7,000, will have a monthly payment of $1,054.19. Taxes and insurance are not included in this estimate; the actual payment obligation would be greater.

An FHA mortgage loan of $200,000 for 30 years at an interest rate of 4.75% with a 5.59% APR, and a down-payment of $7,000, will have a monthly payment of $1,527.48. Taxes and insurance are not included in this estimate; the actual payment obligation would be greater.

VA Loan

No down payment and no PMI required

0%

min. down payment

Loan highlights 

  • Competitive interest rates

  • Reduced closing cost

  • No PMI

A VA mortgage loan of $225,000 for 30 years at a rate of 5.0% with a 5.11% APR, and a down-payment of $0.00, will have a monthly payment of $1,247.71. Taxes and insurance are not included in this estimate; the actual payment obligation would be greater.

A VA mortgage loan of $225,000 for 30 years at a rate of 4.25% with a 4.52% APR, and a down-payment of $0.00, will have a monthly payment of $1,748.48. Taxes and insurance are not included in this estimate; the actual payment obligation would be greater.

USDA Loan

Exclusively for homes in qualified rural or suburban areas.

0%

min. down payment

Loan highlights 

  • Competitive fixed interest rates

  • Closing costs can be seller-paid or rolled into the loan

  • Reduced mortgage insurance

An USDA mortgage loan of $150,000 for 30 years at a rate of 4.875% with a 5.46% APR, and a down-payment of $0.00, will have a monthly payment of $801.83. Taxes and insurance are not included in this estimate; the actual payment obligation would be greater.

We have loans tailored for you.

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