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Jason Rod
Investment Property Mortgage Solutions
My name is Jason Rod, a Senior Mortgage Loan Originator for Mbanc.
It is an honor to be the ambassador of Aloha for MBANC. Being a kamaaina and raised on the Island of Oahu myself, I look forward to continuing and developing strong and trusted relationships offering industry leading mortgage financing programs.
MBANC is a family owned and privately operated mortgage lender with over 35 years of expert experience in the mortgage and real estate industry. We specialize in Non-QM jumbo mortgage lending for self-employed borrowers, investors and individuals who are unable to qualify for conventional mortgage financing.
Qualify for a MBANC Alternate Doc investment property mortgage by simply using personal or business bank deposits, 1099s, Assets or rental income from an investment property. Our dedicated concierge service is designed to serve each borrower at every step from approval to processing, funding, and underwriting, all done in-house.
With my knowledge of the Islands and our seamless mortgage process that MBANC offers, I can help you own or refinance or purchase your investment property. I am here to build relationships. Let me help you service your finance needs.
Mortgage Solution Designed With You In Mind
For Hawaii real estate investors and self employed business owners, MBANC mortgage programs present a valuable opportunity. With our tailored mortgage solutions, you can confidently embark on your journey to tap into the endless opportunities offered by the vibrant Hawaii real estate market.
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Mortgage programs made for you
Bank Statement Loan
Make a high-value property purchase using 12 or 24 months of your business and personal bank deposits. No need to present your W-2s, tax returns, or pay stubs to qualify.
1099 Mortgage Loan
The 1099 Jumbo is perfect for entrepreneurs and freelancers seeking a substantial property purchase. Qualify using 90% of your 1099 gross income. No W-2s, tax returns, or pay stubs required.
DSCR Mortgage
Activate a short or long-term rental property business to expand your portfolio. Qualify for an investment property using only your actual or proposed rental cash flow. We’ve got some insider tips to help you.
Asset Based Mortgage
You’ve accumulated wealth. Find out which of your assets are eligible to qualify for the loan amount you need. Qualify using cash, semi-liquid, or liquid assets. No income, no job needed.
Foreign National Mortgage
Our mbanc experts will explain the simple Foreign National criteria for an investment property in the USA. No US credit, Social Security number, or income needed. Qualify with rental income too.
Closed-End Second Mortgage
Free the equity in your home. Get up to $500,000 to purchase whatever you want – and protect the current interest rate on your current mortgage. Again, you don’t need W-2s, tax returns, or pay stubs to qualify.
Interest Only Jumbo Mortgage
This feature lowers your monthly payment on all Mbanc mortgage programs. Consider the main benefit of this loan: lock in your great fixed interest rate for the life of the loan with no balloon payment at the end.
Bank Statement Jumbo
This loan allows you to use your bank deposits instead of “traditional” income documentation i.e., tax returns
1099 Jumbo
Applicant who generates income either in the form of commissions or as an independent contractor
Rental Income DSCR
Ideal for an investor who wants to use the cash flow from the property as a means of qualifying
Asset Utilization
No W2? No problem. Qualify for your home purchase or refinance using your liquid assets. Specifically designed for moderate to high net-worth borrowers
Foreign National
Individuals who live and work in the United States that want to purchase but may not have proper documentation
Second Mortgage
With a 10-year interest-only mortgage, consider another benefit: the period of time that you have a rate lock expires only at the end of the initial ten years
Discover the MBANC Difference:
- Loan Amounts Up to $4 Million
- Unlimited Cash Out Refinance Up to $3 Million
- Closed End Second Mortgage Program
- Minimum 660 FICO
- No Tax Returns, W-2’s, or Pay Stubs Required
- Qualify Using 12/24 Month Business Or
Personal Bank Statements. - Qualify Using Short & Long Term Rental (DSCR)
- Condo and Condotels Are Eligible
- 10YR Interest Only Fixed Options Available on 30 & 40 Year Terms
- No Hidden Fees | No Middlemen | Close in 12 Days
A Real Estate Property Investment in Hawaii: mbanc Closed Deals
When you create generational wealth, your entire life can feel like one long holiday in Honolulu, Hawaii. While this kind of wealth may feel inaccessible
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New Loans
Our Services
- Bank Statement Jumbo
- 1099 Jumbo
- Rental Income Mortgage
- Closed-End Second Mortgage
- Asset Utilization
- Foreign National Mortgage
- Interest Only Jumbo Mortgage
Mbanc License List
Mbanc, a mortgage lender. Mortgage bank of california dba mbanc. Nmls id # 38232 (nmls consumer access site). Arizona mortgage banker license – license # BK-0943170. California – dbo finance lenders law license – license # 60DBO-45280. Colorado mortgage company registration – regulated by the division of real estate. Connecticut mortgage lender license – license # ml-38232. District of columbia mortgage dual authority license – license # mlb38232. Florida mortgage lender license – license # mld1287. Georgia mortgage lender license/registration – license # 48090 (dba mboc home loans). Hawaii mortgage loan originator company license – license # hi-38232 (dba mboc home loans). Idaho mortgage broker/lender license – license # mbl-2080038232. Illinois residential mortgage license – license # mb.6761396. Maryland mortgage lender license – license # 21870. Michigan 1st mortgage broker/lender license – license # fl0022526. New jersey residential mortgage lender license – regulated by the department of banking & insurance. North carolina mortgage lender license – license # l-183446. Ohio residential mortgage lending act certificate of registration – license # rm.804374.000. Oregon mortgage lending license – license # ml-5804. Pennsylvania mortgage lender license – license # 71003. South carolina-bfi mortgage lender / servicer license – license # mls – 38232, mls – 38232 otn #1 (dba mboc home loans). Tennessee mortgage license – license # 178934. Texas – sml mortgage banker registration – regulated by the department of savings and mortgage lending. Utah mortgage entity license – license # 10877496, 10826912, 10827018. Virginia lender license – license # mc-6638. Washington consumer loan company license – license # cl-38232. Wyoming mortgage lender/broker license – license # 3912. Nmls consumer access site neither mbanc nor mortgage bank of california is a chartered bank or trust company, or depository institution. They are not authorized to accept deposits or trust accounts and are not licensed or regulated by any state or federal banking authority.
Apr of 6.627% based on an investment property cash out 60% ltv with a fico of 688 on a positive debt service transaction with 1% origination fee with a loan amount of 177k apr of 7.757% based on a primary property cash out at 55% ltv with a fico of 652 on a 24 mo business bank statement transaction with a $9000 origination fee with a loan amount of 605k apr of 7.275% based on an investment property purchase at 75% ltv with a fico of 762 on a negative debt service transaction with 1.25% origination fee with a loan amount of 1,269,750 apr of 5.298% based on a primary property purchase at 80% ltv with a fico of 773 on a 12 mo bank statement transaction with a 2% origination fee with a loan amount of 184k the above information is based on specific scenarions. Rates and fees are subject to change and borrowers must meet guideline criteria to qualify. – heter iska
Maximize your mortgage. The mbanc team knows how.
Mbanc has simplified the mortgage journey since 2005. With over 100 years of combined experience, we bring you unmatched expertise and unwavering commitment to excellence.
Our mission is clear: Mbanc provides a seamless, personalized experience tailored to your unique financial profile.
We’re not just mortgage analysts versed in handling complex financial situations – we’re your partners in building lasting relationships.