(800) 990-2789

Common Sense Lending that Unlocks Your Dream Home

MFC Mortgage, provides strategic mortgage and financing solutions for homebuyers, investors, and self-employed professionals who need more than a one-size-fits-all approach.

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How we can help buy your dream house

From pre-qualification to closing, we make every step simple.

Get Pre-Qualified

We can get you prequalified online so you can make an offer with confidence that it will get accepted.

Best Rates, Direct

As a direct lender, we control your rate and terms — no middlemen, no markups. Just the best deal we can offer you.

Fast Funding

Our team will use our expertise to make sure your loan gets funded fast! We make funding a breeze.

About MCF Mortgage

At MCF Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible.

New ways to save

Buy with confidence

Get pre-approved and lock your rate. We close fast — as quick as 15 days.

Upgrade your mortgage

If rates go lower, your payment can too. We'll help you refinance and save.

Portfolio lending experts

Bank statements, DSCR, fix & flip, bridge — creative solutions for every scenario.

No Templates.
No Shortcuts.
Just the Right Strategy.

Lending That Works for You—Not Against You

Most lenders rely on rigid guidelines and limited options. We take a different approach—one that’s flexible, strategic, and designed around your actual financial situation.

“Ray Cruz and his team provided a first class service from start to finish in completing the loan process for my family's new home. Ray is so patient and always provides time for his clients and will get back to you in a very prompt fashion."

— Matt Amos

Frequently Asked Questions

How do I qualify for a mortgage?

Qualification depends on the loan program, but generally you'll need a stable income, acceptable credit history, and a down payment. Our loan officers can help you find the best program for your situation — whether you're a W-2 employee, self-employed, or a real estate investor.

What documents do I need to apply for a home loan?

For most loan programs you'll need recent pay stubs (last 30 days), W-2s or tax returns from the past two years, bank statements showing your assets, a valid government-issued ID, and details on any existing debts. Self-employed borrowers may substitute 12–24 months of bank statements instead of tax returns through our bank statement loan program.

How long does it take to close on a house?

A typical mortgage closing takes 30 to 45 days from the time you go under contract. However, with a strong pre-approval and responsive documentation, MCF Mortgage has closed loans in as little as 21 days. Factors like appraisal timelines, title searches, and the complexity of your loan can affect the schedule.

Can I get a mortgage if I'm self-employed?

Absolutely. MCF Mortgage specializes in loans for self-employed borrowers. Our bank statement loan program lets you qualify using 12–24 months of personal or business bank statements instead of traditional tax returns. We also offer 1099 income loans, asset utilization programs, and DSCR loans for real estate investors — all designed for people whose tax returns don't reflect their true earning power.

What is a DSCR loan and how does it work?

A DSCR (Debt Service Coverage Ratio) loan is an investment property mortgage where you qualify based on the property's rental income — not your personal income. If the rent the property generates is enough to cover the mortgage payment, you may qualify. It's ideal for real estate investors who own multiple properties or don't show enough income on their tax returns. No W-2s or tax returns required.

What is a jumbo loan and do I need one?

A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency — currently $766,550 in most areas and higher in certain high-cost markets. If you're buying a home above that price and don't have a large enough down payment to bring the loan amount below the limit, you'll need a jumbo loan. MCF Mortgage offers competitive jumbo loan options with flexible qualification criteria.

Ready to make your move?

Apply online in minutes or call us to speak with a loan specialist.

Mortgage Intelligently. Experience the MCF Mortgage difference.

Please note that applications, legal disclosures, documents or other material related to MCF Mortgage products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.
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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
Savings, if any, vary based on the consumer's credit profile, interest rate availability, and other factors. Contact MCF Mortgage for current rates. Restrictions apply.

Illinois Consumers: MB 6761459 · NMLS ID 1061701 · MC Financial, Inc. D/B/A MCF Mortgage · Illinois Residential Mortgage Licensee · Illinois Department of Financial and Professional Regulation (IDFPR), Division of Banking, Bureau of Residential Finance · 555 West Monroe Street, Suite 500, Chicago, Illinois 60661 · General Inquiries: 1-888-473-4858 · TTY: 1-866-325-4949 · Springfield Office: (217) 785-2900 · Chicago Office: (312) 793-7090 · Website: idfpr.illinois.gov

Texas Consumers: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.