“We offer more than just a great interest rate.”
Market financial Group knows that buying or Refinancing a home or property is not something most people do every day.
Market Financial Group, however, navigates the complexities of real estate financing on a daily basis. In fact in over 14 years, the company has provided over one billion dollars in real estate financing to property owners in California.
Market Financial Group’s team has over 75 years combined experience in real estate finance to make the process go smoothly and keep our clients well informed. The mortgage services provided at Market Financial Group are designed in part to eliminate uncertainty and worry about the initial loan process necessary for most home buyers and owners.
Most people start looking at houses right away. Once they decided to purchase a home, then try to get a loan to finance what they think they want. Not necessarily the best way to go about the business of buying real estate.
The best time to come to us is in the very beginning, even before you go to a realtor. We’ll sit down with you, review your financial picture and tell you what you can afford. At that point in the process, a client can visit a realtor with a realistic purchase price in mind.
We will provide you with a range of financing options, but also we’ll expertly guide you through them. Our goal is to offer our clients a menu of choices that represent all relevant products in the “mortgage universe” and then offer our expertise as to which products we believe will perform better over a specific time period.
Through our knowledge of the interest rate, marketplace and the forces that effect the changes in rates, we are able to offer a perspective usually not available to the average property owner. We help our clients manage their debt over long or short periods of time using Low or No-Closing Cost products when connected together give clients the lowest cost financing possible.
Once you have entered the Market Financial system, we track your mortgage against all new opportunities for the life of our business relationship. We also take a pro-active approach to keeping you informed as to your loan status - we pick up the phone and call you.
We intend to be here indefinitely. To do that, the people we serve and all our future transactions on their behalf are paramount. We will continue to find the best rates and the best programs to address each client’s future.
“Just the Beginning”
Market Financial Group tries to fulfill every request and need a client has. Most are doable, some may be unrealistic. However we like to think that after a short period of counseling with a prospective borrower, we can provide a loan program and rate that will meet their needs and goals quite well. Below are a list of items we provide each and every borrower automatically. Please keep in mind we realize every borrowers requirements may be different. The list below is but a framework of the services to begin our professional relationship.
* Credit Reports at No charge during the pre-approval Process
Every Borrower is given a copy of their combined credit report i.e. with the results and credit scores of all three major credit reporting agencies. We ( if need be) will counsel you, as to how to improve your scores, to secure better financing terms.
* Residential Purchase Loans
We provide financing for any residential property, from Single Family Homes to apartment buildings. We’ve studied meticulously the programs, lenders and credit requirements necessary to secure ownership. We’re ready to begin helping you make your dream come true-Simply Call us!
* New Construction
New Construction loans are very popular in Siskiyou County. We provide an entire package from a Lot- Loan, Construction-Loan, to your final Permanent Loan. All as One easy package and Signing.
*Expert Refinance Services
Market Financial Group has been providing California homeowners refinances for over 15 years. In all those years we’ve closed close to ¾ of a billion dollars in refinances, ranging from multi million dollar properties to modest second home and investment properties. We can arraign for Cash-Out from your refinance to be used for any reason. From paying off debt, to your children’s education or even a well deserved vacation. Additionally we pride ourselves on delivering that Cash-Out check faster than any other brokerage and most importantly closing your refinance quicker and with less hassle!
* Second Home / Investment Properties
Market Financial Group is fully aware of the tremendous appreciation, California properties have accumulated throughout the last couple of decades. We’re also aware that a very popular AND smart option of how to invest that equity is in a second home or investment property. We are experts in advising you in securing the most advantageous financing for that second dream home or revenue producing investment property.
* Problem Credit or Perfect Credit
In years past, one couldn’t be part of the American dream, unless they had lots of cash (down-payment), a large income, perfect credit etc. etc.. NOT so anymore! We have loan programs that negate any of these shortcomings. Less than perfect credit does not mean you have to remain a renter forever. Call Us!
We have programs that can help just about anyone with steady employment, moderate credit and the income that carries the payment that covers, the principal, interest, taxes and insurance on their chosen home (plus any additional revolving debt).
If your credit is good to excellent and your employment history has been consistent for the last two years and you have the income to carry the payment that covers, the principal, interest, taxes and insurance on a property of your choosing (plus any revolving debt) then you can look forward to and enjoy the lowest rates and best programs available in the mortgage universe.
*Pre-Approval Letter Provided Within One Hour
After we have counseled with you, reviewed your credit report, discussed all relevant loan programs and come to a mutual resolution that a particular loam program will help you acquire that dream home. We will then immediately provide you and / or your Realtor with a letter of loan Pre-Approval.
These Pre-Approval letters have many times meant the difference between winning a bidding scenario or not. We realize this, so Market Financial Group will never hold up, this very essential process. One hour or less is our motto!
*Constant Updating of Loan Status For All Borrowers
There’s NOTHING more aggravating than to have people, you hire to do a job, to NOT stay in touch! To be left out of “The Loop”. Market Financial Group “Stays in Touch” guaranteed ! We invite you to call anytime. If you have a concern or don’t understand something, call us ! We will notify you of anything that affects your loan as soon as it happens. Rest assured you’ll never feel left out and someone is always available to answer your questions.
Greg Hengel
P.O. Box 510, Mount Shasta, Ca 96067
(530) 926-1111 or (800) 890-9692