FAQ’s
1. What services does Montgomery Realty and Financial Services (MRFS) offer?
MRFS is a full-service, E&O insured mortgage and real estate brokerage. MRFS specialize in buying, selling, leasing, refinancing, and financing all types of properties — including residential, commercial, and land.
2. Are you licensed to operate in California?
Yes. MRFS is fully licensed with the California Department of Real Estate (Corporate License #02227726) and registered with the Nationwide Mortgage Licensing System (NMLS) under Corporate ID #2558317. MRFS CEO/Broker, Bryian Keith Montgomery Sr., holds Individual NMLS ID #360947.
3. What types of loans do you offer?
MRFS originates both traditional and non-traditional mortgage financing, including:
FHA, VA, and Conventional Loans
Jumbo Loans
Non-QM (Non-Qualified Mortgage) programs
Bank Statement Stated Income and Cashflow Loans for self-employed borrowers
Hard Money and Private Investor Financing
4. Do you work with clients who have less-than-perfect credit?
Absolutely. MRFS caters to all borrower types — whether you have excellent credit, limited credit, or not-so-good credit. We takes pride in finding flexible solutions for each client’s financial situation.
5. Can MRFS help with investment properties or land deals?
Yes. We specializes in financing and selling both financiable and non-financiable properties. MRFS also works closely with real estate investors who can pay cash and close quickly, ensuring short escrows for sellers who need fast results.
6. What makes MRFS different from other mortgage brokers?
With over 26 years of combined experience in mortgage finance and real estate, MRFS offers unmatched industry knowledge, personalized service, and access to a vast network of lenders and investors. MRFS is your one-stop shop for all real estate and mortgage needs.
7. How long does it take to close a loan or sale?
Closing times vary depending on the loan type and property, but our team specializes in streamlined processing. Traditional loans often close within 21–30 days, while private money deals, depending on the circumstances, can close in as little as 7-10 days.
8. Do you assist self-employed borrowers?
Yes. MRFS offers several self-employed borrower programs, such as Bank Statement Loans and Stated Income Loans, designed to help business owners and entrepreneurs qualify without traditional W-2 income documentation.
9. Can MRFS help me refinance my current mortgage?
Definitely. MRFS offers refinancing solutions to lower your rate, consolidate debt, or access home equity. MRFS will assess your goals and recommend the most cost-effective options.
10. How can I get started with MRFS?
You can begin by contacting MRFS for a free consultation. MRFS will review your financial goals, discuss loan or property options, and help you take the next step toward owning, refinancing, or selling your property.