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Buy. Refinance. Enjoy your home.

We know that buying a home, refinancing, and taking on the responsibility of home ownership is an exciting time. We’re here to make it as easy as possible. Here at ML Mortgage, your home is our business.

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OUR COMPANY

Connect with a mortgage loan advisor in your community.

At ML Mortgage, we understand that the home mortgage process can be one of the biggest financial decisions of your life, so we have dedicated ourselves to ensuring that the process is as friendly, streamlined, and makes as much financial sense to you as possible. We at ML Mortgage understand that it’s a BIG DEAL. That’s why, since 2007, we have been helping homeowners get into the homes they want, as well as getting homeowners refinanced at the lower rates they deserve.

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How we work

We focus on support, not sales. So whether you’re here for your first house or third refinance, we’re ready to help.

Fill Out Loan Application

Start by selecting your preferred loan officer and filling out information pertaining to employment history, sources of income, assets, debt, and additional information.

Application Review

After submission, it will be turned over to our loan processing department for approval. We’ll keep an open dialogue with you throughout this entire process and you should to expect to hear from us within three business days.

Closing Process

Upon approval, the closing agent will conduct the closing. The borrower will have to bring in a certified (or cashier’s check) for the cash needed. The closing agent will obtain the necessary signatures on the closing documents and disburse the money. Congratulations, you’re a homeowner!

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Our Team

The people behind all the magic who are on a mission to help you achieve your goals.

Founder and owner Kamran Akbar knew from the moment he helped his first client become home owners that this was a real passion of his. He brings 14 years of lending expertise on all mortgage industry products. He strives everyday to make the American dream a reality for all of his clients.

Kamran Akbar

Chief Executive Officer

Having facilitated multiple mergers and acquisitons of publically traded companies, Bob is a seasoned veteran in the financial services industry. He’s responsible for the overall financial and accounting operations and maintains relationships with all stakeholders to ensure compliance with all financial and reporting requirements.

Bob Pickham

Chief Financial Officer

Tianna brings over 20 years of experience in the mortgage industry. She provides the operation structure so that our highly motivated and knowledgable loan originators can provide exceptional service to their clients.

Tianna Smith

Vice President

Having over 20 years of experience in the mortgage industry, Don is responsible for overseeing all of the functions of the Secondary Marketing Department as well as the Post Closing Department.

Don Graham

Secondary Capital Markets

I purchased a home last year with Zain and Kamran, and I can’t begin to tell you what an awesome experience it was. Zain made himself extremely accessible and never once made me feel like I was left hanging. Kamran gave me some great advice regarding what type of loan I should pursue. Super professional, fun to work with and most importantly good ol’ fashion hard working people. Thanks ML for everything!

Karan P.

What our clients say

We try our best to tailor a package that meets your particular needs and stays within your budget.

Saima F.

“I was buying my first home and ML mortgage was highly recommended. I was so pleased I listened to my friend. Not only was everything explained thoroughly I was able to get question I had answered right away. Thank you again ML team.”

Harris S.

“ML Mortgage assisted me with my purchase earlier in 2016. They were efficient, fast, and most importantly available 24/7. At times we would call them on weekends and they were always available to help! I highly recommend the team and the services along with it. “

Julie K.

“From the first meeting to get preapproved they made it so easy! They worked with us to make sure we were getting the best deal, and really made sure that this was the best option for us.”

FAQ's

How do we know what is the best type of financing for our particular family's situation?

The best way for you to determine which program would best suit your family’s needs is to sit down with a representative and they will explain all of your financing options. Things to consider are: family size, how long you plan to stay in the home, current and projected income and debts, credit history and cash available to close. We are uniquely positioned to have almost all financing options available to us that anyone could want and/or require.

Can the seller pay for my down payment?

No. However, the down payment can be a gift from a relative or non-profit organization, or be borrowed if the loan is secured. The seller can pay for the borrower’s closing costs, if negotiated.

What if I have no money at all?

There are programs that offer a no-down-payment option and, in conjunction with seller contributions, can make it so that you will not need to spend any out-of-pocket money to buy a home. Additionally, we can show you other ways to purchase with no cash up front.

How do we get prequalified for our first home?

By answering the questions in the online application section or phone consultation with a representative. Both can give you a ballpark idea of what price range you can afford. The next step is to get preapproved so that the money you need is already committed to you; this gives you the strength of a cash buyer when you make an offer.

Can closing costs be rolled into my loan if I refinance?

All of your costs can be included in your loan amount on a refinance program. A notable exception to this is if you are doing a streamline refinance, or if your equity is not large enough to accommodate these costs. Sometimes it is preferable to do a no-cost refinance. It is our job to help you through this decision process.

How can I use equity in an existing home toward the purchase of a new home?

There are several ways to use your equity to buy a new home. The most common ways to obtain your equity are bridge loans, second mortgages, home equity lines of credit, or trade equity. Each option has a different impact on your qualifications, and costs for each option vary.

How do I go about listing my home?

Listing your home is easy. The hard part of listing comes with choosing the right agent to market your home and keep YOUR best interests in mind. We work with most of the top agents in our market area and would be glad to recommend a qualified agent.

Should I lock in?

This is the hardest part of any transaction–knowing when rates are at their best. If current rates suit your needs, locking in your loan will protect you from any rise in rates, and would be recommended. Unfortunately, nobody can tell you what rates are going to do. The best we can do is help you identify at what rate it might make sense for you to lock-in, and what economic reports are coming out that may impact the market.

Got some burning questions?

Dont be shy, just tell us about yourself and we’ll figure out the best option for you.

8270 Aspen St Rancho Cucamonga, CA 91730

+1 866-598-9232

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