Get Pre-Qualified
Start with QuickQual. No application, no initial credit pull. A real Mbanc underwriter reviews within 24 hours.
A fixed-term second mortgage that lets you access up to $500K in equity without refinancing the first. Keep the 3% rate you locked years ago; borrow against the equity you’ve built since.
If you locked a low first-lien rate, refinancing to pull cash out means giving it up. A closed-end second mortgage solves that: a fixed-term, fixed-amount second loan secured by your equity — so you keep your existing first mortgage and its rate entirely intact while accessing up to $500K.
No application required at intake. No initial credit pull until you choose to proceed. A real underwriter reviews every Mbanc second-mortgage file.
Start with QuickQual. No application, no initial credit pull. A real Mbanc underwriter reviews within 24 hours.
We assess your home’s value and existing first-lien balance to size the available second.
Qualify on bank statements, 1099, or assets. Your first mortgage stays untouched.
Receive a real loan amount, fixed rate, term, and closing timeline. Transparent terms in writing.
Most seconds close in 15 days. Keep your low first-lien rate; access your equity in cash.
Your existing first mortgage and its low rate stay completely intact.
Access a meaningful amount of equity in a single fixed-term loan.
Predictable payment, predictable payoff — no adjustable surprises.
Qualify on deposits, 1099s, or assets — no tax returns required.
Most seconds close in 15 days, underwritten and funded in-house.
When Mbanc says you’re approved, you close. No investor-approval caveat.
A closed-end second is one of several Mbanc paths to your equity. The same underwriter can route you to the right one.
Rate-and-term or cash-out refinance on the same Non-QM income methods. Keep your momentum.
Self-employed borrowers qualify on 12 or 24 months of deposits. No tax returns, no W-2.
Contractors and sales pros qualify on gross 1099 income — 90% counts, no W-2 required.
High-net-worth borrowers qualify on assets. Brokerage, retirement, and cash convert to income.
Keep your rate, access your equity — a real Principal Banker answers within one business hour. No initial credit pull at intake.
About second mortgages, keeping your first-lien rate, and equity access — answered without jargon.
Real, verified reviews from MBANC clients on Google.
Found a house we loved that required an 18-day close. Jason at MBANC got it done in 13 — always on top of everything and keeping me in the loop. My realtor said Jason was one of the best lenders he's ever worked with. Best experience I've had buying a home.
MBANC made the impossible happen for us. Multiple traditional lenders looked at my complex financial profile, put it in the ‘too difficult’ pile, and said no. MBANC was entirely different — Jason and Mayer used creative problem-solving and real expertise to find a path forward. Where others saw roadblocks, they said YES.
I've worked with Mayer Dallal and his team at MBANC on several loans over the past few years. They're easy to work with and get things done in a timely manner. I recommend them without hesitation.
Sixty seconds. No initial credit pull. A real number from the people who underwrite the loan.
