Mortgage Guidance
You Can Trust.
Results You Can Count On.
MAC Real Estate Services — your licensed California mortgage brokerage since 2003. We pick up the phone, explain every step, and close loans on time.
Choose Your Loan Type
- 🏠 Conventional / FHA / VA →
- 💼 Non-QM / Self-Employed →
- 📊 DSCR Investment Loan →
- 🔄 Refinance My Home →
- 🆕 VantageScore 4.0 →
- 📞 Call TJ First →
MAC Real Estate Services · NMLS #1133016 · DRE #01800662
TJ: NMLS #1991725 · (559) 310-2916
MAC Real Estate Services — Built on Integrity Since 2003
"Mortgage Guidance You Can Trust. Results You Can Count On."
MAC Real Estate Services is a licensed California mortgage brokerage that has guided families toward homeownership since 2003. We operate with integrity, discipline, and a deep respect for our clients long-term financial wellbeing.
We work with dozens of wholesale lenders giving you access to better rates and programs than retail banks. ਪੰਜਾਬੀ ਵਿੱਚ ਸੇਵਾ ਉਪਲਬਧ ਹੈ।
Not a single home MAC Real Estate Services financed went into foreclosure during the 2008 crisis — a testament to our commitment to responsible lending.
A Loan for Every Situation
MAC Real Estate Services · Talwinder S. Johal MLO NMLS #1991725 · Serving Rocklin, Fresno, Sacramento, Central Valley and all of California
Conventional Loans
Fannie Mae and Freddie Mac. Primary, second home and investment. As low as 3% down.
Most PopularFHA Loans
Government-backed with flexible credit. As low as 3.5% down. Great for first-time buyers.
First-Time BuyersVA Loans
Zero down for veterans, active-duty, and eligible surviving spouses.
VeteransDSCR Loans
Qualify on rental income — no W-2s, no tax returns. Up to $3M. 40-year options.
InvestorsNon-QM / Bank Statement
Self-employed? 12-24 months bank statements. No W-2s needed. Up to $3.5M.
Self-EmployedCash-Out Refinance
Access home equity. Fixed 2nd Mortgage: $75K-$500K. Primary or rental.
Access EquityConstruction Loans
Build primary, second home, or investment. 5% down on primary, 10% second home, 15-20% investment.
New BuildJumbo Loans
High-value properties. Up to 89.99% CLTV. 30-yr, 40-yr, ARM options.
LuxuryAsset and IRA Loans
Assets divided by 60 months equals income. IRA divided by 36 months. No liquidation. Up to $3.5M.
Asset-RichDoctor Loan 100%
No down payment for medical professionals. SFR and condos eligible.
MedicalFree 1-Year Rate Buydown
Lower your first-year payment at no extra cost on eligible purchase loans. Ask TJ if you qualify.
🔥 New ProgramCPA Prepared P&L
Self-employed? Qualify using your CPA-prepared profit and loss statement. No tax returns required.
Self-EmployedForeign National
No SSN or US credit required. For international buyers purchasing US real estate.
InternationalFarm and Agricultural
Up to 50 acres. Agricultural zoning accepted.
Farm📍 Rocklin Market
MAC Real Estate Services has been financing homes across Rocklin and Placer County since 2003.
📍 Fresno & Central Valley Market
The Central Valley is one of California's fastest-growing and most affordable housing markets — and MAC Real Estate Services serves buyers across the entire region.
Have a Complex Scenario?
Self-employed, high DTI, multiple properties? We specialize in loans other brokers decline.
Local. Licensed. Always Available.
MAC Real Estate Services is a California-licensed mortgage brokerage founded in 2003. We are not a bank — we work with dozens of wholesale lenders to find you better rates and programs than retail banks can offer.
Serving Rocklin, Fresno, Sacramento, the Central Valley, and all of California. Our loan officers pick up the phone, explain every step clearly, and work to close your loan on time.
MAC Real Estate Services — Since 2003
"I pick up the phone. I explain every step — in English or Punjabi. And I do not stop until you close."
916-917-2393
What Our Clients Say
"TJ helped me with my mortgage needs and was able to get me a very good rate. He is extremely professional and guides you step by step through the entire process, making everything smooth and stress-free."
"As first-time home buyers we were nervous, but TJ made it easy. His patience and ability to explain every step ensured we felt comfortable and informed. We got a great interest rate. Highly recommend!"
"Working with TJ was an absolute pleasure. Fast turnaround, clear communication, and flexible approach. His professionalism made what could have been a stressful experience feel effortless."
Ready to Buy, Invest, or Refinance?
Call TJ directly or start your application online. MAC Real Estate Services is available 7 days a week.
VantageScore 4.0 — What Every California Homebuyer Needs to Know
A major shift in mortgage credit scoring is here. Here is what it means for you and how it may help you qualify sooner.
What Is VantageScore 4.0?
VantageScore 4.0 is a newer credit scoring model now being used alongside the traditional FICO score by major lenders including UWM. It uses a broader, more complete picture of your credit history which means more buyers can qualify, and often at better rates.
How Is It Different From FICO?
Traditional FICO scores look at a limited set of credit data. VantageScore 4.0 uses trending data meaning it tracks your credit behavior over time, not just a single snapshot. If you have been paying down debt or improving your habits, VantageScore 4.0 rewards that progress faster.
Who Benefits Most?
First-time buyers with limited credit history, self-employed borrowers, buyers who were previously denied, and anyone who has been working to improve their credit. VantageScore 4.0 may score you higher than your current FICO opening doors that were closed before.
Traditional FICO — Old Model
- ✗Single snapshot of credit
- ✗Ignores recent credit improvements
- ✗Many buyers scored lower than they deserve
VantageScore 4.0 — New Model
- ✓Trending data rewards improving credit
- ✓More buyers qualify sooner
- ✓Turns denied files into approvals
Send TJ your denied files, almost-approved applications, and canceled escrows. VantageScore 4.0 may change everything. ਪੰਜਾਬੀ ਵਿੱਚ ਵੀ ਗੱਲ ਕਰ ਸਕਦੇ ਹਾਂ।
Talwinder S. Johal · NMLS #1991725 · MAC Real Estate Services · NMLS #1133016 · Equal Housing Lender
DSCR Loan Programs
Qualify based on rental income — not your W-2s or tax returns. MAC Real Estate Services · NMLS #1133016
📊 DSCR Standard Loan
Qualify on rental income alone
Min FICO 620. Up to $2-3M. 20% down on purchase. Cash-out refi up to 80% LTV. No W-2s, no personal tax returns. 30-year fixed and 40-year interest-only options.
Investors🏢 Multi-Family DSCR (5-8 Units)
Apartment buildings and large rentals
DSCR financing for 5 to 8-unit apartment buildings. Qualify on the property net operating income. Programs for both purchase and refinance.
Multi-Family💎 Jumbo DSCR
High-value investment properties
Jumbo DSCR loan amounts up to $3M+. Up to 85% LTV. 30-year fixed, 40-year, and ARM options.
Luxury Investment🏠 HELOAN – DSCR
Home Equity Loan on rental property
Fixed second mortgage ($75K-$500K) against your existing rental property equity. Keep your current first mortgage rate while accessing cash.
Equity Access💳 HELOC – DSCR
Home Equity Line of Credit on rental
Revolving line of credit secured by your rental property equity. Draw funds as needed for new acquisitions or renovations.
Flexible Credit Line🏖️ Vacation Rentals DSCR
Airbnb and short-term rentals
Short-term rental income used to qualify. Airbnb, VRBO, and other vacation rental platforms accepted.
Short-Term Rental🌾 Farm Loan
Agricultural and rural property financing
Financing for farm and agricultural properties. Up to 50 acres on select programs. Agricultural zoning accepted.
Farm and AgriculturalPurchase Loans
Primary residence or rental property — MAC Real Estate Services has the right program for you.
🏡 Primary Purchase
Buying your primary residence
Conventional (3% down), FHA (3.5% down), VA (zero down), Jumbo, and Non-QM programs.
- Conventional — as low as 3% down
- FHA — as low as 3.5% down
- VA — zero down for eligible veterans
- Jumbo — up to 89.99% CLTV
- Non-QM — for self-employed buyers
🔑 Rental Purchase
Buying an investment or rental property
Conventional investment (20-25% down) or DSCR loans (qualify on rental income, not personal taxes).
- Conventional investment — 20-25% down
- DSCR — qualify on rent, not W-2s
- 1-4 units, condos, and PUDs
- No limit on financed properties (DSCR)
Refinance Programs
Lower your rate, reduce your payment, or access your home equity.
🔄 Primary Refinance
Refinance your primary residence
Rate-and-term or cash-out refinance. Conventional, FHA streamline, and VA IRRRL options available.
Primary Home📈 Rental Refinance
Refinance your investment property
DSCR refinance available — qualify on the property rent income, not your personal taxes. Cash-out up to 80% LTV.
Investment Property📉 High DTI Refinance (65%)
For borrowers with higher debt ratios
Specialty refinance programs for DTI ratios up to 65%. Non-QM solutions with bank statement and asset-based qualifying.
High DTI BorrowersSolutions Beyond Traditional Mortgages
Our access to wholesale lenders means we carry products most retail banks do not offer.
💼 Non-QM / Bank Statement
Self-employed income qualification
Qualify using 12-24 months of personal or business bank statements. No W-2s or tax returns. Up to $3.5M.
Self-Employed📋 CPA Prepared P&L
Qualify with your profit and loss statement
Self-employed borrowers qualify using a CPA-prepared P&L statement. No tax returns required. Qualifying income equals Net Income divided by 12 divided by percentage of business owned. Up to $3.5M.
Self-Employed⬇️ Free 1-Year Rate Buydown
Lower payments in your first year
FREE 1-Year Temporary Buydown on eligible purchase loans. Reduces your monthly payment during the first year at no extra cost. Ask TJ if your purchase qualifies.
🔥 New Program🏗️ Construction Loans
Build your home from the ground up
Available for primary, second home, and investment property (1-8 units).
- Primary home — only 5% down
- Second home — 10% down
- Investment 1-4 units — 15-20% down
- Investment 5-8 units — 25-30% down
💰 Asset-Based / Asset-Depletion
Qualify using your assets
Assets divided by 60 months equals qualifying income. IRA balance divided by 36 months equals income. No liquidation required. Up to $3.5M.
Retirees and High-Net-Worth📉 Interest-Only Mortgage
Lower payments, maximum cash flow
Pay only interest for an initial period (5-10 years), resulting in significantly lower monthly payments. Available for primary, second homes, and investment properties.
Investors🌍 Foreign National Loans
International buyers purchasing US real estate
No SSN, ITIN, or US credit history required. For international buyers, expatriates, and non-resident investors.
International Investors🔑 Down Payment Assistance
State and local DPA programs
Grants, forgivable loans, or deferred second mortgages to help cover down payment and closing costs. California programs available.
First-Time Buyers👨⚕️ Doctor Loan — 100% Financing
No down payment for medical professionals
100% financing for licensed medical professionals. No down payment required. SFR, PUD, and warrantable condos eligible.
Medical Professionals📊 DSCR — All Programs
Rental income qualifies, not personal taxes
Standard DSCR, Multi-Family, Jumbo DSCR, HELOC, HELOAN, Vacation Rentals, 40-year interest-only. Min FICO 620. Up to $3M. No W-2s required.
Real Estate InvestorsApply Here — MAC Real Estate Services
Secure digital application. Bank-level encryption. Company NMLS #1133016 · DRE #01800662
🏦 UWM Blink — Fast, Secure Application
RECOMMENDEDFast, secure digital mortgage application. Upload documents, track your loan, get pre-approved quickly.
🤖 Angel AI — Digital Application
ALTERNATIVE📋 Additional Options
MORE OPTIONSNot Sure Where to Start?
Call TJ directly. He will tell you which application is right for your situation in minutes.
📞 (559) 310-2916 — Primary 📞 (916) 234-6204 — Secondary 📧 TJ-Loans@outlook.com 💬 WhatsApp / Text MessageTalwinder S. Johal · NMLS #1991725 · DRE #02101320
MAC Real Estate Services · NMLS #1133016 · DRE #01800662
"Licensed by the California Department of Real Estate"
Equal Housing Lender · BBB A+
MAC Real Estate Services — Licensed and Compliant
We operate with full transparency and strict adherence to all federal and state mortgage regulations.
📋 License Information
| Name | Role | NMLS | DRE / BRE |
|---|---|---|---|
| MAC Real Estate Services | Brokerage Company | NMLS #1133016 | DRE #01800662 |
| Talwinder S. Johal (TJ) | MLO · Realtor | NMLS #1991725 | DRE #02101320 |
| Ranjit Kandola | MLO · Broker · Realtor | NMLS #347022 | BRE #01800662 |
⚖️ Regulatory Standards
- RESPA Section 8
- SAFE Act
- NMLS Advertising Rules
- California DFPI and DRE Regulations
- TCPA and Do-Not-Call Requirements
- GLBA Privacy Standards
- Equal Housing Opportunity
- TRID — TILA-RESPA Integrated Disclosure
🔒 Privacy and Consumer Protection
- GLBA privacy compliance
- Secure document handling — bank-level encryption
- No unauthorized sharing of consumer data
🔗 Consumer Resources
- NMLS Consumer Access — nmlsconsumeraccess.org
- California DRE — dre.ca.gov
- CFPB Home Loan Toolkit — consumerfinance.gov
- Privacy Policy — rocklinbroker.com/privacy-policy
What Our Clients Say
"TJ helped me with my mortgage needs and was able to get me a very good rate. He is extremely professional and guides you step by step through the entire process, making everything smooth and stress-free."
"As first-time home buyers we were nervous, but TJ made it easy. His patience and ability to explain every step ensured we felt comfortable and informed. We got a great interest rate. Highly recommend!"
"I had the pleasure of working with TJ, and he was very professional. He helped me with my first home purchase and answered every call, which is hard to find these days."
"Working with TJ was an absolute pleasure. Fast turnaround, clear communication, and flexible approach. His professionalism made what could have been a stressful experience feel effortless."
"TJ is very professional, knowledgeable, and friendly. He communicated every step of the home buying process on a timely basis, which made our home buying process much easier."
"TJ made it so easy! He was really patient and always explained everything step by step. I always felt like he was my big brother. He really knows his stuff and we got a great interest rate."
"We had a very positive experience working with TJ. He guided us from the beginning to the very end and went above and beyond until the closing of our dream home. Thank you TJ!!"
"We would like to sincerely thank TJ for his excellent cooperation and support. His clear communication, guidance, and timely assistance made everything smooth and stress-free."
Frequently Asked Questions
MAC Real Estate Services · Talwinder S. Johal NMLS #1991725 · (559) 310-2916
Contact Talwinder S. Johal (TJ)
MAC Real Estate Services · NMLS #1991725 · DRE #02101320 · 7 days a week
"Licensed by the California Department of Real Estate"
Apply for Your Loan
Start your application online. Not sure which to choose? Call TJ — he will walk you through it personally.
Apply — Conventional / FHA / VA → Apply — Non-QM / Self-Employed → Apply via Angel AI →Talwinder S. Johal · NMLS #1991725 · DRE #02101320
MAC Real Estate Services · NMLS #1133016 · DRE #01800662
Equal Housing Lender · BBB A+ · Licensed in California