Unlock new investment opportunities or put your investment property to use with the MPS No Income / Appraisal Only Mortgage — a flexible financing solution designed for real estate investors.

Who Qualifies?

This mortgage is perfect for:
✔ Self-employed individuals who write off lots of expenses
✔ Borrowers with declining income from one tax year to the next
✔ Individuals between jobs (currently unemployed)
✔ Those with insufficient income to qualify for a loan
✔ Newly self-employed individuals — even if you started yesterday!
✔ Investors needing cash out from investment properties with limited reserves

Key Benefits:

• NO proof of income, assets, or employment required
• Available for purchases, refinances and cash out transactions
• Borrowers can adjust the interest rate, loan term or both
• Up to $500,000 cash out

Requirements to qualify:

• Investment property appraisal with a comparative rental analysis
• Survey (if required by state)
• Hazard insurance (landlord policy)
• Minimum credit score of 660

Build your investment real estate portfolio, lower your term or payment or get cash from your investment property today. Call MPS today or apply now!

Unlock your home’s equity with MPS Texas Cash Out Mortgages offering flexible 1st and 2nd mortgage options to fit nearly every borrower’s needs.

Who Qualifies?

If you have equity in your property and are:
✔ Self-employed, salaried or hourly and write off a lot of expenses
✔ Experiencing declining income from one tax year to the next
✔ Newly self-employed
✔ A borrower with a property that was listed for sale but didn’t sell
✔ Salaried with too much debt for your income
✔ Looking to access up to 80% of your property’s value
✔ A recent homebuyer who purchased at a great price
✔ A minimum credit score of 620, some exceptions apply

Cash Out Mortgage Options:

• 1st Mortgage Cash-Out Loans – Replace your current first mortgage and pull out equity
• 1st Mortgage HELOCs – Borrow multiple times with a revolving line of credit
• 2nd Mortgage Cash Out Loans – Keep your low first mortgage rate and access cash separately
• 2nd Mortgage HELOCs – Maintain your first mortgage and gain a flexible line of credit

Turn your home equity into financial opportunity today. Call MPS today or apply now!

Let your deposit history do the talking. The MPS Deposit History Mortgage is a smart solution for self-employed and non-traditional income borrowers who need a flexible path to homeownership or cash out refinancing.

Who Qualifies?

This mortgage is ideal for:
✔ Self-employed borrowers who write off lots of expenses
✔ Borrowers with declining income in recent tax years
✔ Individuals with strong deposit activity but weak tax returns
✔ Newly self-employed individuals with only one year in business

Key Benefits:

• Use personal or business bank statements to qualify
• No tax returns required
• Available for purchases, refinances, and cash out transactions
• No proof of assets required for cash out refinances

Requirements to qualify:

• 12–24 months of personal or business bank statements
• Proof of self-employment
• Proof of assets (only if recent bank statements are insufficient)
• Survey (if required by state)
• Hazard insurance (landlord policy if investment property)
• Minimum credit score of 620

Use your deposit history to buy, refinance, or access equity today. Call MPS today or apply now!

Why move out when you can buy in? The MPS Living at Home Mortgage is designed for adult children living with their parents who want to turn their current home into their own — affordably and without the usual complications.

Who Qualifies?

This mortgage is ideal for:
✔ Adult children living in their parents’ home
✔ Families looking to transfer home ownership with minimal tax impact
✔ W2 employees or self-employed individuals with verifiable income
✔ Borrowers needing a custom-fit, affordable mortgage solution

Key Benefits:

• Buy the home you already live in — no moving required
• No real estate agents involved
• Parents receive cash with little to no tax
• Low-cost real estate contract services (2%)
• Mortgage costs below average to support the family
• Flexible income qualification: W2, tax returns, or bank deposits
• Available for Conventional, FHA, VA, and USDA loans

Requirements to qualify:

• Must be employed and receive a W2
• If self-employed, show income on tax returns or consistent bank deposits

Keep the home — and the family — together. Call MPS today or apply now!

At MPS, we have the ability to activate our license in any state, ensuring we can serve clients wherever they need mortgage solutions. While the states listed above represent just a small sampling of our available loan programs, our reach extends far beyond. Whether you’re looking for a purchase loan, refinance or cash out option, we tailor our solutions to meet your needs, no matter where you call home. Contact us today to explore loan options in your state!

Pete Fajkowski and the Mortgage Portfolio Services team believe that securing a mortgage should be a clear and stress-free process and that the mortgage should be tailored to your needs. With over 27 years of experience, their approach is built on integrity, transparency and a commitment to financial empowerment. Whether you’re purchasing a home, refinancing or exploring investment opportunities, MPS provides expert guidance and tailored solutions that put your financial goals first.

Unlike traditional lenders, MPS takes a client-first approach, ensuring every borrower fully understands their options. This isn’t just about closing loans—it’s about building lasting relationships through education, trust and ethical lending practices.

Whether you’re a first-time homebuyer looking for guidance, a homeowner seeking refinancing options, or an investor growing your real estate portfolio, we provide comprehensive lending solutions to match your needs. MPS has earned a reputation for unmatched service and client dedication. Our team remains committed to honest communication, financial literacy and ethical lending. Ensuring you receive not just a mortgage, but a trusted financial partnership for years to come.