Buying vs Renting Make the right choice for your future

Make the right choice for your future

Are you torn between buying or renting a home? The decision is never easy, but we're here to help you make an informed choice. Introducing Buy vs Rent Comparison - your ultimate guide to making the right decision for your future.

With Buy vs Rent Comparison, you'll get access to a free market report that goes beyond just comparing monthly payments. Our mortgage advisors will provide you with valuable analytics and insights that will help you understand the long-term benefits of buying a home.

Through our market report, you'll not only get an estimate of your potential monthly payments for both renting and buying, but also gain valuable knowledge about the future value of your dream home. Plus, we'll highlight the possible tax savings that come with homeownership.

Don't let uncertainty hold you back from achieving your dreams.

Buying vs Rent Presentation: http://mbshighway.com/view/1KJu-br

Contact a mortgage advisor today:

https://www.mkgenterprisescorp.com/loan-programs now and choose your starting point towards a brighter future!

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact a mortgage advisor for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the

“As of May 25, 2025, non-permanent residents will no longer qualify for FHA loans.”

This comes directly from HUD’s Mortgagee Letter 2025-09. Why the change? The federal government is tightening access to FHA benefits to only U.S. citizens and lawful permanent residents.

This means:

• No more FHA loans for buyers with work permits, student visas, or temporary immigration status.

• Your buyer MUST have USCIS documentation or be a citizen of the Marshall Islands, Palau, or Micronesia.

This is a critical update—especially in diverse markets like ours where many hardworking families rely on FHA for their first home.

What to Do Now:

1. Pre-screen for residency status immediately.

2. Use MKG’s FHA-qualified preapproval system.

3. Schedule a call with me—we’re here to help you stay compliant and close deals.”

“Don’t let policy changes cost you commission.

MKG Enterprises Corp Mortgage Broker NLMS 1370394

website: https://mkgenterprisescorp.com

(559) 337-5990

Equal Opportunity Lender

Why Homeownership Matters for Generational Wealth

Owning a home is a key step toward building Generational Wealth. Real estate provides several long-term benefits:

• Physiological Needs: Homeownership fulfills basic needs for shelter and stability.

• Safety and Security: A home offers job security, personal safety, and financial stability.

• Love and Belonging: It fosters family relationships, creates a sense of belonging, and provides a secure environment for future generations.

• Self-Actualization: Achieving homeownership represents living the American dream, as it empowers individuals to take control of their financial future and build equity.

Homeownership directly ties into Maslow’s Hierarchy of Needs, providing both basic and higher-level psychological fulfillment, from safety to self-actualization.

Helping Disadvantaged Communities: A Black Mortgage Professional’s Role

When a Black mortgage professional is perceived to be “pro-Black” for helping disadvantaged homebuyers, it’s essential to understand the difference between promoting equity and exclusion. By assisting historically marginalized communities, these professionals work to close the wealth gap created by systemic practices like redlining, focusing on ensuring everyone has an equal opportunity to own a home.

1. Addressing Historical Discrimination:

Black mortgage professionals help correct the historical injustices of redlining by supporting disadvantaged buyers who have been systematically denied homeownership.

2. Promoting Equity, Not Exclusion:

Focusing on helping disadvantaged communities is about leveling the playing field, not excluding others. Equity is about ensuring all individuals receive the support they need based on their circumstances.

3. Empowering the Disadvantaged:

Programs and services aimed at helping Black homebuyers empower families to achieve financial stability and homeownership, helping to reverse the effects of redlining.

4. Correcting the Effects of Redlining:

The legacy of redlining continues to affect Black communities today, and Black mortgage professionals play a critical role in providing access to homeownership opportunities and promoting economic mobility.

Tune into the Dough Bess Podcast Show

Want to learn more about building generational wealth through real estate? Tune into the Dough Bess Podcast Show on Friday, September 20, 2024, at 7:45 PM, where special guest Mar shawn Govan from MKG Enterprises Corp will discuss how first-time homebuyers in Fresno, California, can start their journey toward homeownership and financial success.

Conclusion

The Fresno DMA real estate market, shaped by the history of redlining and evolving federal policies, presents both challenges and opportunities for homebuyers. By promoting generational wealth through real estate and addressing systemic inequalities, mortgage professionals like Marshawn Govan are helping disadvantaged communities achieve financial stability and homeownership.

MKG Enterprises Corp is dedicated to monitoring market trends and offering the best rates to support your homeownership journey. Visit www.mkgenterprisescorp.com to check your rates and start building a secure future for you and your family.

Apply today

https://www.mkgenterprisescorp.com/

"Maximize Your Income as a Real Estate Referral Agent: Join Our Realtor Agent Referral Program Today!"

Are you a licensed real estate professional seeking to enhance your earnings? Our exclusive Real Estate Referral Agent Program offers an excellent opportunity to earn additional income through real estate referrals that successfully close escrow.

**Maximum Referral Reward**: Benefit from a maximum agent referral of up to $10,000 per transaction, offering significant earnings for your referrals.

https://bit.ly/3SJtX81

One closing! Which means one interest rate (with the option to modify down if the market improves), one down payment, one full credit report to order and one approval.

Eligible on 15-and 30-year fixed conventional and high balance loans and 7- and 10-year ARMs

Available on primary, second and investment property purchases and rate/term refinances

700+ FICO, up to 95% LTV

11-month maximum build period with 1-month modification period

Loan amounts up to the conforming loan limits

$726,200 for regular one-unit loans (increased from $647,200 in 2022)

$1,089,300 for one-unit high-balance loans (increased from $970,800 in 2022)

City/ County Zoning/ Permitted as a single family residence

Allowance for Duplexes 1-4 units

Detached condos

Prohibited one-time construction loans property types

Owner-Builder

ADUs

Manufactured homes

Unique property types

Brandominium homes

Shipping containers homes

Start your one-time close new construction loan application process by creating an account at

https://bit.ly/3PyuXss

Standalone HELOCs are available on primary and second home loans as 20-year loans, in amounts up to $350,000.

MKG Enterprises Corp Third-Party Originator is please to offers Home Equity Lines of Credit up to 85% LTV with 640 credit score minimum loan amount $75,000 can be a standalone or Piggyback HELOC

Standalone HELOCs are a popular option for homeowners looking to access cash to consolidate and pay down debt, allocate money to home improvements, or cover life events.

A minimum 640 FICO score is required, as is a $25,000 minimum credit line, the initial draw must be 75% of the credit line. For line amounts up to $250,000, only an approved automated valuation model (AVM) is required. For amounts over $250,000, a full appraisal is required.

Piggyback HELOCs allow qualified conventional borrowers to secure a new mortgage on the home while opening a home equity line simultaneously. This is an option for borrowers who want to split up a first and second mortgage to avoid mortgage insurance, or to keep their first in a conforming loan.

Piggyback HELOCs are available on primary and second home purchases, rate/term and cash-out refinances on conventional loans. Loan amounts can be up to $350,000, and a minimum 680 FICO score is required. The minimum line amount is $10,000 and the initial draw must be 75% of the line amount. For line amounts up to $250,000, an appraisal waiver is accepted with an approved AVM.

Both the Piggyback and Standalone HELOCs are not applicable in Texas.

Apply for a HELOC today

Easy and Secure On-Line Loan Application

https://bit.ly/3NP4bwC

MKG Enterprise Corp is proud to announce the availability of Round 2 Funding for the Dream For All Shared Appreciation Loan program, providing up to 20% down payment assistance (DPA) specifically for black families and individuals aiming to achieve homeownership in California.

The Dream For All Shared Appreciation Loan program is designed to empower first-time homebuyers by offering up to 20% for down payment or closing costs, with a maximum limit of $150,000.

This invaluable assistance can be utilized in conjunction with the Dream For All Conventional first mortgage, facilitating the realization of homeownership dreams.

For more information about the Dream For All Shared Appreciation Loan program and to ascertain eligibility criteria, please visit MKG Enterprise Corp's website at

Learn more online

www.mkgenterprisescorp.com/blog/fair-lending-with-artificial-intelligence/

MKG Enterprises Corp bridge loans can provide the leverage on both your purchase and repairs that you need to grow your real estate portfolio. Benefits include:

Up to 90% of your Purchase and Repairs*.

Receive Financing in as little as a week

Build a trusted partnership with one mortgage broker for all your properties

Strategic planning to help scale your business

No hurdles – flexible loan options designed to meet your strategic needs

Fix to Rent (Buy-Rent-Rehab-Repair) friendly - easy options to convert to Rental loans

Up to 24 months interest only terms

No pre-payment penalty

For real estate investors interested in financing rental portfolio deals of 5 properties or more, consider our portfolio rental loans. Investors have the option of either recourse or non-recourse portfolio loans when they apply. Experience the benefits of combining multiple rental deals into one loan for either new purchases, rate and term refinances, or cash-out refinances.

For investors with portfolios looking for the longest term possible with more prepayment flexibility.

30-Year Fixed Rate Term and 5/1

30-Year Amortizations

Max LTV: Up to 75% of the stabilized value

Minimum $500K to Maximum $2M

For investors with larger portfolios looking for the best rate possible and non-recourse options.

5 and 10-Year Fixed Rate

30-Year Amortizations or Interest Only

Max LTV: Up to 75% Purchase/Refinance

Minimum $1M to Maximum $50M

Allowable Transactions: Purchase, Rate/Term Refinance, Cash-Out Refinance

Eligible Properties: Single Family Residence, 2-4 Unit Properties, PUDs, Condos (with restrictions) and Townhomes

Eligible Borrowers: LLC and Corporations. Sponsor: US Citizens and Permanent Resident Alien, Foreign Nationals w/ restrictions.

Apply online

https://www.mkgenterprisescorp.com/fix-and-flip-bridge-loans/