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No matter what type of loan you need, we're with you every step of the way.
Let us find you the perfect loan to go with it.

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Loan Products


Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.


We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!.


Our Secure Application takes about 12 minutes to complete, and is required for a "Pre-Approval." You will be contacted once your application is submitted.

MORTGAGE PAYMENT CALCULATOR Calculate How Much Your Monthly Mortgage Payment Could Be.

* Results are hypothetical and may not be accurate. This is not a commitment to lend nor a preapproval. Consult a financial professional for full details.

See All Mortgage Calculators

3-2-1 BUYDOWN Program

Welcome to the official site of MKG Enterprises Corp. We are a full-service mortgage company based in Fresno, CA. We specialize in Down Payment Assistance and 3-2-1 Buydown Program in Fresno, Madera, and Merced. We also serve the surrounding cities in Fresno County and Madera County. Whether you are buying a home or refinancing in California, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer the following:

FHA | VA | USDA | Convential | Jumbo | HomeReady | HomePossible

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | VA Streamline | USDA Streamline | Conventional | Commercial | Jumbo

What makes MKG Enterprises Corp. unique is that we offer the following niche programs as well: NonQM Loans, Down Payment Assistance Programs, Buydowns, Credit Counseling, Mortgage Insurance, PACE Program, Homeowners Insurance, Auto, Home, Life Medical, Critical illness insurance, Disability Insurance & Digital Tax Preparation.

Contact MKG Enterprises Corp. today to discuss your mortgage loan options, and find out which loan program will best suit your needs.

Here’s an example of the potential savings on a 3-2-1 seller-paid buydown:

Conventional 30-Year Fixed
3-2-1 Temporary rate Buydown on a $350,000 loan for a borrower with a 700 FICO and a 90% LTV

3-2-1 Temporary Rate Buydown

Interest Rate

Monthly Payment*

Monthly Savings

Yearly Savings

Year 1





Year 2





Years 3





Years 4-30




*The principal and interest payment on a $350,000 30-year Fixed-Rate Loan at 6.750% and 90% loan-to-value (LTV) is $2,270.09. The Annual Percentage Rate (APR) is 7.138% with estimated finance charges of $5,600. The principal and interest payments, which will continue for 360 months until paid in full, do not include taxes and home insurance premium, which will result in a higher actual monthly payment. Rates current as of 11/16/22. Subject to borrower approval. Some exclusions may apply.


Mortgage loans available for immigrants and low income and median income families.

Required documentation of legal residency and eligibility to work in the United States.

  • DACA 

  • Aliens

  • Non U.S. Citizens 

  • Resident Aliens 

  • ITIN 

  • Greencards 

  • Refugees Welcome

  • Visa 

  • Passports

  • Alien Cuban and Haitian entrant as defined in section 501(e) of the Refugee Education Assistance act of 1980.

  • Alien who is granted asylum under section 208 of the Immigration and Nationality Act.

Today’s Interest Rates 

For First Time Homebuyers 


Customer Satisfaction Rate

With home prices climbing at a rate of 8 to 10 percent each year and the Fresno median price paid by first-time homebuyers in 2022 hovering around $374,930, home ownership remains out of reach for far too many California families.

Important FHA Guidelines for Borrowers

The FHA, or Federal Housing Administration, provides mortgage insurance on loans made by FHA-approved lenders. FHA insures these loans on single family and multi-family homes in the United States and its territories. It is the largest insurer of residential mortgages in the world, insuring tens of millions of properties since 1934 when it was created.

  • FICO score at least 580 = 3.5% down payment.

  • FICO  score between 500 and 579 = 10% down payment.

  • MIP (Mortgage Insurance Premium ) is required.

  • Debt-to-Income Ratio < 43%.

  • The home must be the borrower's primary residence.

  • Borrowers must have steady income and proof of employment.

1 to 3-Day

Average Loan Approval Period

The information on this website has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.