Residential Programs

MG & G Capital Partners INC. is committed to providing our clients with the highest level of quality in financial services combined with the lowest rates available. We will work with you personally to design a financial solution specifically tailored to your financial needs. Whether you’re buying your dream home, refinancing an existing loan, or consolidating debt, our highly experienced team can help you find the right product at the lowest rate.

Raising the Bars

MG&G Capital Partners Inc. aims to provide unique customer satisfaction through our exclusive service, integrity, commitment and results across Texas. Our residential financing options are designed for small balance investment residential properties such as 5+ unit residential properties, SFR portfolios, short-term rentals, mobile home/RV parks, and commercial condos.

Residential Loans


Federal Housing Administration (FHA) An FHA-insured loan is a US Federal Housing Administration mortgage insurance-backed mortgage loan that is provided by an FHA-approved lender. FHA mortgage insurance protects lenders against losses.
(FHA) loans provide fixed-rate and adjustable-rate financing with down payment options as low as 3.5%, low down payment, and easy credit qualifying. You can typically only have one FHA mortgage at a time.


(VA) helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms. VA loans provide fixed low rates, no down payment, FICO must be above 620, limited closing cost, no need for Private Mortgage Insurance. VA home loan is a lifetime benefit you can use the guaranty multiple times.


A (USDA) loan (Section 502) is a home loan that is guaranteed by the United States Department of Agriculture. It offers very low and competitive interest rates on home loans to borrowers with no down payment requirements. The USDA Home Loan Program was made available to borrowers with excellent financing terms and flexible credit guidelines to give people an incentive to populate rural areas.


A conventional loan (CONV) is a type of mortgage loan that is not insured or guaranteed by any government agency. … Conforming conventional loans follow lending rules set by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac). Instead, the loan is backed by private lenders, and its insurance is usually paid by the borrower.

Non Conforming Loans


Jumbo mortgages are for larger loan amounts not covered by conforming loan limits.
Lenders, Provides financing above conforming Fannie Mae and Freddie Mac loan limits. A jumbo loan, also known as a jumbo mortgage, is a type of financing that exceeds the limits set by the Federal Housing Finance Agency (FHFA). Unlike conventional mortgages, a jumbo loan is not eligible to be purchased, guaranteed, or securitized by Fannie Mae or Freddie Mac.


Individual Tax Identification Number (ITIN) loans are for people who are not eligible for Social Security numbers, non-citizens can get a mortgage in America.. ITIN’s are issued to both resident and nonresident aliens for tax-reporting purposes. Consider the nature of ITIN loans, there are flexible credit requirements. Many lenders will consider using alternative forms of credit documentation, such as utility and phone bills. The exact same loan requirements will be needed as any legal citizen depend on the lender. The difference will be on the terms. ( case by case basis ).


A Foreign National Loan Program is a special type of loan that helps noncitizens buy investment property in the United States. This loan has requirements (and interest rates) that slightly differ from standard Fannie Mae or FHA loans.


Hard money loans are essentially a type of asset-based financing in which the borrower acquires funds that are secured by real property. … It’s called a “hard money” loan because it’s harder to acquire and payback than its soft money counterpart. A hard money lender provides the loan as long as the borrower is willing to pledge a piece of real property as collateral against any default. A hard money loan is considered cash not because it’s similar to it. It’s because it’s different from traditional bank financing. Unlike traditional financing, a hard money loan isn’t based on the current market price of a given property.


A bridge loan is a type of short-term loan, typically taken out for a period of 2 weeks to 3 years pending the arrangement of larger or longer-term financing. The main benefit of bridge debt financing is flexibility. It provides borrowers with short-term capital that allows them to meet any current expense obligations, quickly close on properties, complete renovations, or allow the Borrower to find new tenants for the building.


To apply for a conventional mortgage loan, borrowers usually must provide pay stubs and W-2’s from the past two years of employment. But if you are self-employed or own your own business, you don’t have W-2’s or pay stubs. A bank statement loan requires only the bank statements of self-employed borrowers to determine if they can produce sufficient income to warrant approval for a mortgage loan. Bank statement loans are a type of mortgage that lenders can issue based on personal information and bank statements rather than tax returns and employer verification. They can be a good option if you work for yourself, own a business, or don’t have a steady income. A bank statement loan may come with a higher interest rate and need a larger down payment.