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.
Free 1‑Year Temporary Rate Buydown
Rocklin Mortgage Broker is now offering a FREE 1-Year Temporary Buydown on eligible purchase loans — helping you secure a lower monthly payment during your first year of homeownership.
New DSCR 5-8 Units
- Cash out refinance or purchase 1-4 units and 5-8 units rental property – “Qualify based on rental income — not personal tax returns. DSCR loans make it easier to grow your investment portfolio with streamlined approvals.
REALTORS: This could be a GAME CHANGER for your buyers
Remember when Uber disrupted taxis?
This is a similar shift: VantageScore entering alongside traditional FICO
• UWM is now leveraging this to help close more deals — faste
What this means for YOU: ✔ More buyers can qualify sooner
✔ Lower costs = stronger, more competitive offers
✔ Deals that were stuck = back on track
Send me Denied buyers
“Almost approved” files
Canceled escrows
Let’s turn missed opportunities into closed transactions
construction loan
Available for primary, second home, and investment
5% down payment required on primary (1-4 units)
10% down payment required on second home
15%-20% down payment required on investment property construction 1-4 units
25%-30% down payment required on 5-8 units construction loan
Consumers Save an Average of $10,662 by Choosing an Independent Mortgage Broker
Source: Polygon Research. Savings estimate of $10,682 is based on a loan‑level APR analysis using HMDA rate spread, APOR, and single‑family agency disclosure data for a representative segment of the 2023 mortgage market, focused on 30‑year fixed‑rate purchase agency loans.
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
“A DSCR loan is an investment‑property mortgage that qualifies the borrower based on the property’s rental income, not their personal income”
Cash out from your rental or purchase rental easily
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
40-YEAR FIXED / 40-YEAR INTEREST ONLY
40 Year: Rental refinance interest only with bank statements only
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
Q: How Many Housing Units Added in Rocklin Since 2000?
Ans: 11,950 new housing units added since 2000.
Q: What is Projected Future Housing Growth (2021–2029 RHNA Cycle)?
Ans: 3,062 new housing units more by 2029 in Rocklin.
Realistically, Rocklin’s total housing stock could exceed 30,000 units by the end of the decade
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
Prime + 2% Products
SouthEndCapital
Commercial
real estate loans nationwide
No bank statements, tax returns, or financials are required
Raw land and residential investment property
Property cannot be a personal
residence (business and investment property
only) and must be in good
condition with no required rehab,
renovation, or construction.
50% maximum LTV and 1st lien position
only.
No occupancy requirement, and no
cash-flow or debt-service requirement
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
Local Update: New Construction – Sutter Pointe
Baseline and Highway 99 – First residential permits: Expected Fall 2025.
How many houses are in the first phase?
The first approved phase is Lakeside at Sutter Pointe, covering about 873 acres. It includes:
- 3,402 single‑family homes
- 399 multifamily units
Total: ≈ 3,801 homes in Phase 1
Full build‑out (long‑term projection)
The entire Sutter Pointe Specific Plan envisions:
47,000–49,000 future residents
17,500 total homes
This is a 20–30 year build‑out, effectively creating a brand‑new city in south Sutter County.
Ready to Explore Your Options?
Whether it’s a DSCR loan for your next rental property or a 2nd lien to unlock your home’s equity — we’ll walk you through every scenario, run the numbers, and tell you what actually makes sense for your situation. No pressure. No guesswork. Just 25 years of straight answers.
Schedule a Free Consultation Call Us DirectlyMAC Real Estate Services
Rocklin, California | RocklinBroker.com
Serving Rocklin • Roseville • Sacramento • Placer County & Beyond
No call centers. No runaround. Just answers.