MCA MORTGAGE CENTRAL ACCESS
Ā MORTGAGE LOANS FOR MOST REAL ESTATE NEEDS

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GAS STATION FOR SALE

12 UNIT APARTMENT COMPLEX

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MCA is a Direct Hard Money lender. We directly lend first and second deeds of trust to credit / income challeged borrowers.  Our loans are equity based.  If you are in a  huury, have a notice of default or need to consolodate your consumer debt we have answers.

After your financial issues are corrected we can locate loans with improved terms.

MCA offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:

Mortgages for purchase, refinance and investment property.  Depending on your credit, income and equity we can get you the maximum loan amount and best terms.

Hard money loans when you need money fast, need to avoid default. 

 
APARTMENT COMPLEX FOR SALE
ARM ADJUSTABLE RATE MORTGAGE
COMMERCIAL PROPERTY FOR SALE
CONFORMING FIRST
DO NOT SEE WHAT YOU WANT ? JUST ASK.
GAS STATION FOR SALE
HARD MONEY FAST-EQUITY BASED NO INCOME OR CREDIT QUALIFICATIONS
HARD MONEY HELOC
HARD MONEY PUCHASE FOR THE INVESTOR
HELOC HOME EQUITY LINE OF CREDIT
JUMBO LOANS
NOTICE OF DEFAULT
PITI PAYMENT, INTEREST, TAXES, INSURANCE 2 MONTH RESERVE
Quick Cash
Quick sale, in contract on foreclosure property.
SECOND MORTGAGE
SUB PRIME 2ND DEEDS OF TRUST.

APARTMENT COMPLEX FOR SALE

12 UNIT APARTMENT COMPLEX FOR SALE

RENO

7%+ CAP

 

FINANCING IN PLACE


ARM ADJUSTABLE RATE MORTGAGE

ARM ADJUSTABLE RATE MORTGAGE  3 YEAR JUMBO

Term: 30 years   Maximum Amount: $1,000,000
 

THIS ADJUSTABLE RATE MORTGAGE WILL HAVE A FIXED 3 YEAR TERM THEN ADJUST UP OR DOWN ACCORDING TO FUTURE RATES.  THESE AND THE OTHER ADJUSTABLES MAY HAVE RATES SIMILAR TO 30 YEAR FIXED, WITH THE RISK OF RATE INCREASES BUT MAY BE EASIER TO AQUIRE.


COMMERCIAL PROPERTY FOR SALE

80,000 square feet, commercially zoned property.  financing in place.

prime development site.

 

top location for developer


CONFORMING FIRST

CONFORMING FIRSTS LOAN LIMIT 417,000 TO 80% LOAN TO VALUE

Term: 30 years   Maximum Amount: $417,000

DO NOT SEE WHAT YOU WANT ? JUST ASK.

IF YOU DO NOT SEE THE LOAN YOU WANT JUST ASK, WE WILL FORWARD YOU TO A LENDER WHO HAS THE PRODUCT.  


GAS STATION FOR SALE

THIS AND OTHER PROPERTIES ARE AVAIALBLE FOR SALE

TOP LOCATION

NORTHERN CALIFORNIA

CALL OR EMAIL FOR MORE DETAILS

BRUCESM2006@YAHOO.COM

510 501 9026

 

 

WE CAN CARRY THIS 100%


HARD MONEY FAST-EQUITY BASED NO INCOME OR CREDIT QUALIFICATIONS

HARD MONEY  THESE ARE EQUITY BASED PRODUCTS, DO NOT REQUIRED CREDIT OR INCOME REQUIREMENTS IN ORDER TO QUALIFY.

THE INTEREST RATES ARE HIGHER, THE FEES HIGHER AND THE LENGTH OF TIME TO GET THESE IS SHOTER.

CHECK IN HAND WITHIN 10 DAYS OF FULL SUBMISSION.

 

Term: 5 years   Maximum Amount: $1,000,000
 

HARD MONEY, SO CALLED BECAUSE THE LOANS ARE EXPENSIVE TO SERVICE.

USE THIS LOAN WHEN YOU HAVE BAD CREDIT OR A IN A TIME CONTRAINT SITUATION LIKE DEFAULT.

YOU MUST HAVE EQUITY.

 


HARD MONEY HELOC

Similar to regular heloc's just designed for credit challenged.

 


HARD MONEY PUCHASE FOR THE INVESTOR

HARD MONEY PURCHASE LOANS these are loans based on purchase price, real value and cross collateralized.  100% purchase possible.

This direct loan is for the bargain hunter/distresed property buyer.  Answer in 2 days, funding in 10 days.

 

 

 

Get pre qualified for this loan product.  Be prepared to pull the trigger on any real estate deal.  Single families only.


HELOC HOME EQUITY LINE OF CREDIT

HELOC HOME EQUITY LINE OF CREDIT  TYPICALLY TO 95% CLTV

Term: 15 years   Maximum Amount: $200,000
 

HELOCS ARE FAIRLY EXPENSIVE TODAY AS THE PRIME RATE IS UP NEAR 8%

OFTEN IT MAY BE BETTER TO GET A LARGER FIRST.


JUMBO LOANS

The Junbo loans are available in a variety of types, including fixed and ARMs.

Loan amounts to $ 2,000,000. 

Term: 2 years   Maximum Amount: $2,000,000

NOTICE OF DEFAULT

NOTICE  OF DEFAULT IF THIS HAS HAPPENNED CALL EMMIDIATELY.

IF YOU HAVE SUFFICIENT EQUITY WE SAVE YOUR PROPERTY.

 

IT IS CRUCIAL THAT YOU CALL/EMAIL AND FAX ASAP.

510 501 9026 CELL

775 402 3759 FAX

BRUCESM2006@YAHOO.COM EMAIL

LEAVE YOUR NAME, THE PROPERTY ADDRESS, THE AMOUNT OF CASH YOU NEED.

LEAVE CONTACT NUMBERS AND BEST TIMES TO CALL.

 

Term: 5 years   Maximum Amount: $1,000,000

PITI PAYMENT, INTEREST, TAXES, INSURANCE 2 MONTH RESERVE

IF YOU NEED 2 MONTHS PITI RESERVES WE CAN HELP.

GET SOME QUICK CASH TO BUILD A FOUNDATION FOR A WELL PRICED LOAN


Quick Cash

Quick Cash is a loan product from a private investor, will take only a few days to get.

The rates and terms are expensive.   

Why would anyone use this product?  For several reasons all related to the fiscal situation of the borrower.  This would be if you are cash poor, need money right away.  These are equity based loans. 

 

 

 

Term: 5 years   Maximum Amount: $100,000

Quick sale, in contract on foreclosure property.

If you have a real estate contract, have an estimated 30% equity after the sale we have a short term loan you can use.  For investors only, for investment property only.

Funds can be available in 7 business days.  You must have on file, the contract, your 1003, credit and the appraisal for the subject property.  Some states restricted.

Term: 6 months  
 

Do not bring ARV valuations.

No mobiles/trailers unless converted.


SECOND MORTGAGE

SECOND MORTGAGE  - OFFERED TO SUBPRIME BORROWERS WITH ADEQUATE EGUITY.   USE THIS TYPE OF LOAN WHEN YOU HAVE VERY GOOD TERMS ON YOUR FIRST, OR HAVE CREDIT ISSUES.

RATES AND TERMS WILL VARY ALOT DEPENDANT ON CREDIT/EQUITY AND INCOME.

IF YOU HAVE EQUITY YOU WILL QUALIFY FOR THIS GET THIS LOAN.

 


SUB PRIME 2ND DEEDS OF TRUST.

WE ARE DIRECT LENDERS ON 2ND DEEDS OF TRUST, CAN GO TO 80% LOAN TO VALUE CAN CLOSE WITHIN 10 BUISINESS DAYS OF COMPLETE SUBMISSION.

USE THIS LOAN TO GET  FAST DEBT C-ONSOLODATION WITHOUT  GOING TO THE EXPENSE OF REFINANCING YOUR FIRST.  IDEAL FOR PEOPLE WITH CHALLENGED CREDIT.

 

Term: 5 years   Maximum Amount: $100,000
 

EASY, SHORT TERM TYPE LOAN.  YOU MUST HAVE EQUITY TO QUALIFY.



RATES ARE SUBJECT TO CHANGE.


Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $4,170. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $10,000. Your actual APR may be different depending upon these factors.

SEND ME SECOND MORTGAGE INFORMATION

SECOND MORTGAGE RATE SHEET

CREDIT REPAIR SIGN UP AND INFORMATION SHEET