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From 1st time homebuyer to FHA , VA, HECM, Investor loans, Stated Income and Low Documentation loans to Bridge Loans and Commercial Loans.

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Loans

This document is intended to provide you with a general overview for obtaining a mortgage loan, how it works, and what important factors are involved in the process. As it is true with all investments, the most important factor to a mortgage lender is: how good of a risk you are as a mortgage applicant.

You are going to borrow a considerable amount of money for a relatively long period of time. Therefore, naturally, the lender is assuming a certain amount of risk by lending you the money. The lender needs to be assured that you will pay back the original loan amount plus the interest on that money.
The lender will evaluate all of your documents such as your credit report, your income and debt, etc. and based on that will decide whether or not the risk of extending credit to you falls within their guidelines. If it does, then they will map the risk, to an interest rate. In other word, the better risk you are, the lower the interest rate on your mortgage.

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There is a wide range of guidelines used by different lenders in approving a loan or matching an interest rate to an applicant. Generally lenders follow a set of guidelines by federal agencies and/or private investors that give them a better chance of selling the loan in the secondary market. 
The first step is an interview with your relationship manager, working with King And Butler Realty Group and Our Affiliated Lenders where we will discuss your options. Loan Officer considers your financial situation such as your assets, liabilities, income, available cash, credit history and the type and price of the property, and will recommend a number of loan options. In other words, the Loan Officer will tell you that you may be qualified for a certain amount of loan for a certain period of time with a certain interest rate. We have MANY LOAN PROGRAMS FROM FIRST TIME HOME BUYER TO INVESTOR LOANS, HARD MONEY LOANS, NO INCOME NO ASSET, NO DOWN PAYMENT, FHA/VA AS WELL AS CITY PROGRAMS AND REVERSE MORTGAGES AND VARIOUS OTHER LOANS FOR SENIORS AND NURSES, TEACHERS, POLICE ETC… too many to list … Fill out the Loan Application and let’s get started! Otherwise, it’s all just talk.. We are Action-Oriented and ready to SERVE YOU!  SOME LOANS NEED A BIT MORE STRATEGY… (our specialty!)

 

In general, you need to prepare the following documents for your interview:
  • Proof of income, W2’s & 1040’s (last 2 years) and one month of recent paystubs
  • Name and address of employer(s) (2 year history) proof of employment
  • Name and address of landlord or your mortgage holder (2 year history)  OR Mortgage Coupon Statement if you own a home
  • Last 3-months bank statements – all account #’s and balances: checking, savings, IRA’s, etc.
  • Open Credit accounts: include all accounts and balances
  • If Self-employed, we will need more months of bank statements unless your credit score is higher, then we MAY not need even these!
  • Social Security Card and Drivers License copy
  • LOE (Letters of Explanation) for whatever we wish to explain
You will need to complete the loan application (also known as the form 1003), which is the most important piece of information. Once the lender receives all this information, they will verify them and start the decision making process. 
The law requires that the lender provides you with an advance disclosure of the Good Faith Estimate of the cost of closing a loan, as well as a Truth-In-Lending disclosing, among other things, the Annual Percentage Rate, also known as the APR. 
The lender starts processing the loan after the receipt of your full application. There are a number of guidelines and criteria they will look into:
  • Are you making enough money?
  • How much is your debt?
  • Are you credit worthy?
  • Can you pay for the down payment and the other costs associated with the loan?
  • Is the house you are buying worth the money?
  • What are you trying to do i.e Investor Loan, VA loan, City program, Flipper, Not showing much … there is a loan for most every situation!

Are you making enough money? 

Lender will verify your income by mailing your current employer(s) the income verification forms. 
If a significant amount of your monthly income comes from over time, or bonuses and commissions, lenders want to make sure that it will continue to contribute to your income for a foreseeable future. They will also take into account your employment history and the type of work you do to make sure your job will let you meet your long term obligations. 
There are also a set of widely used measures called Ratios that can be used to determine your eligibility to obtain a long term credit. 
There are two type of ratios, Front ratio which is the ratio of your primary housing expenses to your total monthly income and Back ratio, which is the ratio of your total monthly debts (housing, credit cards, car payments, students loans, alimony etc.) to your total monthly income. 
Each lender uses its own established guide-lines as to what these ratios should be. We have Wholesale Lenders, Table Funders, Government and Secondary Market…   
How much is your debt? 
Your long term debts, as described above, are important in lender’s decision making process. Long term debts are defined as debts that are extended 10 to 12 months into the future. Naturally the more long term debts you have, the less your capacity to take on another long term obligation with a fixed income. 
Are you credit worthy? 
As we mentioned, the approval process, for the large part, deals with the questions of “How good of a long term risk you are”. Your credit history is the most important factor that determines the answer to this question. 
Lenders will obtain a copy of your credit report from each of the three major credit bureaus. This report contains the history of your mortgage and credit card payments indicating any possible 30, 60 or 90 day lates. Any bankruptcy or judgments against you, and your employment history, among other information are also reported. 
More and more lenders are using automated systems that assign a number (credit score) to your credit history. WE LOVE AUTOMATED SYSTEMS.. 
Can you pay for the down payment and the other costs associated with the loan? 
Lenders also require you to pay between 10 to 20 percent of your loan amount in advance, as down payment. However, if you can not make the down payment, you might be qualified with as little as 3.5 percent (or less depending on your lender and your situation). In these cases, lenders will require you to carry a Private Mortgage Insurance (PMI) to cover for some of the risk they will take. 
The down payment could come from your savings, IRA, pension plan, life insurance, real estate owned by borrower, stocks and bonds and/or any other source, such as gifts, that is not needed to be paid back. 
Is the house you are buying worth the money? 
The property you purchase, is used as a collateral to your loan and acts as a security for your lender. Therefore, your lender requires an independent appraisal report. The appraiser estimates the current value of the property based on the neighborhood, the size of the property, the age of the property, and it’s structural integrity. 
Loan Application
Why do you think Real Estate is referred to as the “Revolving Door?” Meaning agents come in and go out just as fast? It is not a quick, get- rich scheme. It takes hard work, dedication and a ton of “ Systemization, client management for YOUR business, NOT the big name agencies. Of course, if you are joining a large company, we will show you HOW to stand out showcasing YOUR style, while using some of what they offer you in your dues. Just joining an office, learning scripts and coaching calls is NOT going to get you there…. It’s a step in the right direction, however, you will spend years … to get to where we can take you in 30 days! Trust us… We have been there, done that and seen it all!

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Contact Info

Phone number
833-Exp-Niki or 833-397-6454

Email
Niki@MacDuffHomesRealty.com

Business Hours
Mon-Fri: 9am-8pm
Sat: 10am-6pm
Sun: Upon Request

What I Offer to Home Buyers

Your Trusted Real Estate Agent & Mortgage Lender with 29 Years of Wholesale Lending Experience

🏆 WHY BUYERS CHOOSE ME

Why Buyers Choose Me

Dual Expertise You Can't Find Anywhere Else

  • 29 Years as a Wholesale Lender - I've seen and solved every lending scenario imaginable
  • Licensed Real Estate Broker (DRE #01244064) & Mortgage Lender (NMLS #1847894)
  • Investment Educator & Mentor - I teach healthcare professionals how to build wealth through real estate
  • Creative Solutions Expert - Helping Californians afford their lifestyle through income-generating properties
  • Trusted by Top Realtors who refer their most challenging loan scenarios to me
  • Healthcare Professional Background - I understand demanding careers and unique financial situations
  • Construction Team Partnership - ADU and property conversion expertise
  • One-Stop Solution for buying, financing, AND creating income from your property

The California Lifestyle Solution

✅ Beat High Cost of Living - Turn your property into an income generator
✅ ADU Development - Professional assessment and financing for additional units
✅ Investment Education - Learn to build wealth while helping others
✅ Creative Financing - Solutions for expensive California market
✅ Mission-Driven Investing - Make money while making a positive impact
✅ Multi-Generational Planning - Housing solutions for family caregiving

🔍 HOME SEARCH & PROPERTY FINDING

Strategic Property Search

  • MLS Access to 100% of available properties in real-time
  • Off-Market Property Identification using county records and agent networks
  • Investment Property Analysis with cash flow projections
  • Future Value Assessment based on neighborhood trends and development
  • Property History Research including previous sales, permits, and issues

Buyer Matching Technology

  • Custom Property Alerts sent directly to your phone/email
  • Neighborhood Market Reports with price trends and inventory
  • School District Analysis and ratings research
  • Commute Time Analysis to your workplace
  • Lifestyle Matching based on your specific needs and preferences

Preview & Showing Services

  • Property Pre-Screening - I preview properties before wasting your time
  • Virtual Tour Coordination for out-of-area buyers
  • Flexible Showing Schedule accommodating your work schedule
  • Weekend & Evening Availability for busy professionals
  • Video Walk-Throughs when you can't attend in person

💰 FINANCING SOLUTIONS & LOAN PROGRAMS

29 Years of Wholesale Lending Expertise

  • Every Loan Type Available - Conventional, FHA, VA, USDA, Jumbo, Non-QM
  • Creative Financing Solutions for unique situations
  • Wholesale Direct Access - Better rates, faster approvals
  • Problem Solver - If there's a way to get you approved, I'll find it
  • Same-Day Pre-Approval for qualified buyers

Specialized Loan Programs

Investment Property Financing:

  • DSCR Loans (Debt Service Coverage Ratio) - No personal income verification
  • Portfolio Lending for multiple properties
  • Fix & Flip Financing with renovation funds
  • Cash-Out Refinance strategies for scaling your portfolio
  • 1031 Exchange coordination and financing

Healthcare Professional Programs:

  • Physician Loans with minimal down payment
  • Nurse & Healthcare Worker specialized programs
  • Student Loan Forgiveness program coordination
  • Shift Worker Income documentation strategies

First-Time Buyer Programs:

  • Down Payment Assistance programs
  • FHA 3.5% Down options
  • VA Loans (0% down for qualified veterans)
  • USDA Rural development loans
  • Conventional 3% Down programs

Advanced Financing Strategies

  • Buy-Down Programs to reduce monthly payments
  • Interest-Only Options for cash flow optimization
  • Bridge Loans for seamless move-up buying
  • Construction-to-Permanent loans
  • Bank Statement Programs for self-employed buyers
  • Asset-Based Lending for high-net-worth individuals

📊 PRE-APPROVAL & FINANCIAL STRATEGY

Comprehensive Financial Analysis

  • Complete Credit Review with improvement strategies
  • Debt-to-Income Optimization recommendations
  • Down Payment Strategy consultation
  • Closing Cost Estimation with lender credit options
  • Monthly Payment Scenarios at different price points

Strategic Pre-Approval Process

  • True Pre-Approval (not just pre-qualification)
  • Underwriter Review before house hunting
  • Loan Commitment Letter for stronger offers
  • Multiple Scenario Planning (different price ranges)
  • Rate Lock Strategy timing recommendations

Investment Analysis Services

  • Cash Flow Projections for rental properties
  • Cap Rate Analysis and market comparisons
  • ROI Calculations including tax benefits
  • Market Rent Analysis for investment properties
  • Exit Strategy Planning for long-term wealth building

🏠 PROPERTY EVALUATION & DUE DILIGENCE

Professional Property Analysis

  • Comparative Market Analysis (CMA) for fair pricing
  • Property Condition Assessment with repair cost estimates
  • Neighborhood Analysis including future development plans
  • Resale Value Projection based on market trends
  • Investment Potential Evaluation for every property

Due Diligence Support

  • Home Inspection Coordination with trusted professionals
  • Inspection Report Review with repair priority recommendations
  • Contractor Bid Coordination for needed repairs
  • Appraisal Review and challenge support if needed
  • Title & Escrow Coordination for smooth closing

💪 NEGOTIATION & OFFER STRATEGY

Winning Offer Strategies

  • Market-Based Pricing recommendations
  • Competitive Offer Structure to win in multiple offer situations
  • Escalation Clause strategies when appropriate
  • Contingency Management balancing protection with competitiveness
  • Seller Psychology insights for strategic positioning

Negotiation Expertise

  • 29 Years of Deal-Making experience across all market conditions
  • Creative Terms that benefit both parties
  • Repair Negotiation after inspections
  • Appraisal Gap coverage strategies
  • Closing Date Flexibility for complex transactions

Financing Advantage in Offers

  • Lender Letter of Confidence showing strong pre-approval
  • Quick Closing Capability (as fast as 15 days when needed)
  • Cash-Equivalent Offers using portfolio lending
  • Backup Financing options for added security

🔧 TRANSACTION MANAGEMENT & SUPPORT

Seamless Process Management

  • Single Point of Contact for both real estate AND lending
  • Coordinated Timeline ensuring all deadlines are met
  • Regular Updates on both purchase and loan progress
  • Problem Resolution before issues become deal-breakers
  • Closing Preparation with all documents ready

Professional Network

  • Trusted Home Inspectors who provide thorough, fair assessments
  • Reliable Contractors for estimates and repairs
  • Title & Escrow Companies with proven track records
  • Insurance Agents for competitive homeowner's coverage
  • CPAs & Tax Professionals for investment strategy

🎯 SPECIALIZED BUYER SERVICES

Healthcare Professional Services

  • Shift Schedule Accommodation for showings and appointments
  • Hospital Proximity analysis and recommendations
  • Call Room Quiet neighborhood identification
  • Continuing Education financing coordination
  • Retirement Planning real estate strategies

Investment Buyer & Education Services

  • Portfolio Building strategy and financing
  • Investment Education Programs - I teach healthcare professionals and others how to become successful investors
  • Rental Property Analysis with cash flow optimization strategies
  • Property Management education and referrals
  • Tax Strategy consultation with real estate focus
  • 1031 Exchange facilitation and timeline management

Creative Income Solutions for California Living

ADU (Accessory Dwelling Unit) Development:

  • Construction Team Partnership - Professional assessment of ADU potential
  • Permit & Planning guidance for maximum ROI
  • Financing Options for ADU construction and conversion
  • Rental Income Analysis for ADU properties
  • Design Consultation for optimal space utilization

House Hacking & Income Generation:

  • Live-In Rental Strategies - Separate portions of your home for rental income
  • Multi-Generational Housing solutions for elderly parents or family caregivers
  • Accessible Housing modifications for children with disabilities
  • Room Rental Optimization for maximum income while maintaining privacy

Specialized Investment & Income Programs

Real Estate Investment Education:

  • "From Healthcare to Real Estate Wealth" - Comprehensive training program
  • Group Investment Workshops for healthcare professionals
  • One-on-One Mentoring for beginner to advanced investors
  • Property Analysis Training - How to evaluate deals like a pro
  • Rental Management Systems setup and optimization

Short-Term Rental (Airbnb) Solutions:

  • Airbnb Property Identification - Finding the best STR opportunities
  • Regulation Compliance guidance for California STR laws
  • Furnishing & Setup consultation for maximum bookings
  • Revenue Optimization strategies and pricing analysis
  • Property Management coordination for hands-off investing

Care Facility Development:

  • Board & Care Facility development and licensing guidance
  • Group Home property identification and financing
  • Zoning & Permit navigation for care facilities
  • Accessibility Modifications for specialized care needs
  • Income Projections for care facility businesses
  • Mission-Driven Investing - Make money while making a difference

Creative Housing Solutions for Expensive California Market:

  • Duplex & Triplex strategies for owner-occupied investing
  • Conversion Projects - Single family to multi-unit income
  • Family Compound development for multi-generational living
  • Caregiver Housing solutions with income generation
  • Co-Housing and intentional community development

📈 POST-PURCHASE SUPPORT

Continued Relationship

  • Move-In Coordination and utility setup guidance
  • Contractor Referrals for any needed work
  • Property Value Monitoring with annual market updates
  • Refinancing Opportunities analysis as rates change
  • Future Real Estate planning and consultation

Investment Property Support & Education

  • Ongoing Investment Mentoring for portfolio growth
  • Property Performance Analysis with quarterly reviews
  • Market Rent Analysis for optimal pricing
  • Refinancing Strategies for portfolio optimization
  • Additional Property acquisition planning and education
  • Tax Planning coordination with your CPA
  • Tenant Relations guidance and best practices
  • Care Facility Operations support and compliance guidance

California Lifestyle Solutions

  • Income Generation Coaching for expensive California living
  • ADU Project Management from conception to completion
  • Family Care Solutions integrating housing and income needs
  • Community Impact Projects that generate income while helping others
  • Long-term Wealth Building through strategic real estate investing

🏆 MY COMMITMENT TO YOU

What You Can Expect

  • Honest Market Analysis - I'll tell you what properties are really worth
  • Creative Problem Solving - 29 years of finding solutions others can't
  • Transparent Communication - You'll always know where we stand
  • Professional Network - Access to the best contractors, inspectors, and services
  • Stress-Free Process - I handle the details so you can focus on your life

Success Statistics

✅ 99% Loan Approval Rate for properly qualified buyers
✅ Average 21-Day Closing when needed quickly
✅ Trusted by 200+ Realtors for their most challenging deals
✅ 29 Years of wholesale lending relationships
✅ Every Loan Type successfully closed

🌟 CLIENT SUCCESS STORIES

"Niki didn't just help us buy a home - she taught us how to make it pay for itself. The ADU we added generates $3,000/month, making our mortgage payment almost nothing!" - Nurse Practitioner, First-Time Buyer

"As a traveling nurse, I thought I'd never afford California. Niki showed me how to house-hack with a duplex. Now my tenants pay my mortgage while I build wealth." - Travel Nurse & Real Estate Investor

"Niki found us financing when three other lenders said no, then helped us convert part of our home into a board and care facility. We're now helping others while generating $8,000/month." - Healthcare Couple, Care Facility Owners

"Her construction team partnership was invaluable. They identified ADU potential we never saw, and now we have $2,500/month extra income to afford California living." - Young Family with Elderly Parent

"Other realtors told us we'd have to leave California. Niki found creative solutions - we bought a triplex, live in one unit, and rent the others. California is affordable when you think like an investor." - Healthcare Professional Family

📞 START YOUR HOME BUYING JOURNEY TODAY

Free Consultation Includes:

  • Complete Financial Analysis and pre-approval
  • Home Buying & Investment Strategy customized to your situation
  • ADU Potential Assessment with construction team evaluation
  • California Lifestyle Affordability solutions and income generation ideas
  • Market Overview for your target areas
  • Investment Education consultation - Learn how to build wealth through real estate
  • Timeline Planning based on your needs
  • No-Obligation discussion of all your options

Contact Niki King Today:

  • 📱 Phone/Text:833-397-6454 x 1
  • 📧 Email:Niki@MacDuffHomesRealty.com
  • 🌐 Schedule Consultation: BookMe Link
  • 🏠 Visit My Office: 3333 Michelson Drive suite 300 Irvine CA

My Websites:

Follow Me:

MacDuff Homes Realty - Where 29 Years of Lending Expertise Meets Real Estate Investment Education
DRE License #01244064 | NMLS #1847894

"I don't just find you a house - I teach you how to make real estate work for your California lifestyle." - Niki MacDuff, Broker

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