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# ML Mortgage

Making The Impossible Happen Since 2007

## Sitemaps

- [XML Sitemap](https://www.mlmortgage.net/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://www.mlmortgage.net/blog/)
- [Secure Your Future Despite Volatile Mortgage Rates](https://www.mlmortgage.net/secure-your-future-despite-volatile-mortgage-rates/) - Mortgage rates are on the move, but you're not powerless. Discover how to improve your rate with smart steps and personalized guidance from ML Mortgage experts.
- [Real Estate vs Stocks: Discover a Calmer Path to Wealth](https://www.mlmortgage.net/real-estate-vs-stocks-discover-a-calmer-path-to-wealth/) - Explore the calm, steady growth of homeownership in this real estate vs stocks guide—learn why real estate remains a safer, long-term wealth builder.
- [Home Loans for Self-Employed Borrowers: Exploring Your Options](https://www.mlmortgage.net/home-loans-for-self-employed-borrowers-exploring-your-options/) - Being self-employed is rewarding—Getting approved for a mortgage as a self-employed individual might require a different approach, but it's within reach.
- [From Renting to Homeownership: Overcoming Fear & Myths](https://www.mlmortgage.net/from-renting-to-owning-overcoming-the-fear-and-myths-holding-you-back/) - If you've been renting for years, the idea of owning your own home may feel like a dream. Here’s the truth: owning a home could be closer than you think.
- [Mortgage Rates Continue Lower: Why Now Might Be the Right Time to Buy](https://www.mlmortgage.net/mortgage-rates-continue-lower-why-now-might-be-the-right-time-to-buy/) - Mortgage rates continue lower, offering buyers a rare opportunity. Discover why acting now could save you thousands and build your future wealth.
- [Mortgage Pre-Approval Is Your Competitive Advantage](https://www.mlmortgage.net/mortgage-pre-approval-is-your-competitive-advantage/) - Discover how mortgage pre-approval from ML Mortgage gives you clarity and buying power—even if you're not ready to purchase yet. Be prepared when the time comes
- [2025 Housing Market Predictions: Is the Perfect Time to Buy or Sell on the Horizon?](https://www.mlmortgage.net/2025-housing-market-predictions-is-the-perfect-time-to-buy-or-sell-on-the-horizon/) - The future looks promising for both buyers and sellers, and we’re here to help you navigate it with ease and confidence. Let's delve into 2025 predictions.
- [Will Homebuyer Competition Skyrocket When Mortgage Rates Drop?](https://www.mlmortgage.net/will-homebuyer-competition-skyrocket-when-mortgage-rates-drop/) - Discover how low mortgage rates impact homebuyer competition and learn how to prepare financially to buy a house today with ML Mortgage.
- [Will a $600,000 Mortgage Payment Become More Affordable After A Rate Cut?](https://www.mlmortgage.net/how-much-will-a-600000-mortgage-cost-after-a-rate-cut/) - Learn how a potential rate cut could lower your mortgage payments and make it easier to buy a house in today's competitive market.
- [Are Low Rates a Strong Indicator for A Refinance?](https://www.mlmortgage.net/is-it-time-to-refinance/) - Low rates are exciting, but does this mean it's time to refinance your mortgage? Explore how refinancing your mortgage can save you money.

## Pages

- [Home – ML Mortgage](https://www.mlmortgage.net/) - Whether you're buying a home, refinancing, or converting from an adjustable rate mortgage (ARM) to a fixed rate mortgage - we’ll help you choose the right loan.
- [Texas](https://www.mlmortgage.net/texas-2/) - Texas Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN Zain Siddiqui Director of Sales | NMLS# 1617886 (909) 652-0780 zain@mlmortgage.net Start Loan George Contreras Loan Officer | NMLS# 1951941 (562) 382-7510 george@ybomg.com Start LOAN Jamal Akbar Loan Officer jamal@mlmortgage.net Start LOAN Rene Salvatierra Producing Branch Manager | NMLS# 278201 (713) 380-5964 rene@mlmortgage.net
- [California](https://www.mlmortgage.net/california/) - California Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start Loan Johnny Shallop Branch Manager | NMLS# 366808 (909) 466-6224 johnny@johnnyshallop.com Start Loan Andre Robinson Mortgage Loan Originator | NMLS# 2557949 (909) 782-9079 andre@ybomg.com Start Loan Danyil Maiier Mortgage Loan Originator | NMLS# 2666225 (909) 490-6879 d.maiier@ybomg.com Start Loan Babatunde "Tunde" Obileye Mortgage Loan
- [Nevada](https://www.mlmortgage.net/nevada/) - Nevada Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN Sennait M. Yohannes Branch Sales Manager | NMLS# 1290732 (702) 272-5862 sennait@mlmortgage.net Start Loan Crystal Erskine Mortgage Loan Originator | NMLS# 1347435 (760) 221-9268 crystal.erksine@mlmortgage.net Start LOAN Andrea Fernandez Branch Manager | NMLS# 738814 (702) 569-0778 lendinginvegas@gmail.com Start Loan Anna Mae Jahzeel Cruz
- [Arizona](https://www.mlmortgage.net/arizona/) - Arizona Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN George Contreras Loan Officer | NMLS# 1951941 (562) 382-7510 george@ybomg.com Start LOAN Zain Siddiqui Director of Sales | NMLS# 1617886 (909) 652-0780 zain@mlmortgage.net Start LOAN Johnny Shallop Branch Manager | NMLS# 366808 (909) 466-6224 johnny@johnnyshallop.com Start LOAN Milko Topalov Branch Manager | NMLS#
- [Oregon](https://www.mlmortgage.net/oregon/) - Oregon Jenna Heth Producing Branch Manager | NMLS# 232765 (541) 218-5156 Jena.Heth@seabrightmortgage.com Start LOAN Kelly Smith Mortgage Loan Originator | NMLS# 2729302 916-529-0951 ksmith@seabrightmortgage.com Start LOAN Andrea Fernandez Branch Manager | NMLS# 738814 (702) 569-0778 lendinginvegas@gmail.com Start LOAN Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN
- [Florida](https://www.mlmortgage.net/florida/) - Florida Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN Andrea Fernandez Branch Manager | NMLS# 738814 (702) 569-0778 lendinginvegas@gmail.com Start LOAN Vickie Pridemore Loan Officer | NMLS# 671010 (702) 743-1424 vickie@mlmortgage.net Start LOAN Carlos Renzo Producing Branch Manager | NMLS# 1684004 (954) 404-2153 carlos.renzo@mlmortgage.net Start LOAN Nidia Montoya Mortgage Loan Originator |
- [Colorado](https://www.mlmortgage.net/colorado/) - Colorado Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN Nidia Montoya Mortgage Loan Originator | NMLS# 1843434 7203654413 karina.vivanco@mlmortgage.net Start LOAN Eddie W. de Leon Mortgage Loan Originator | NMLS# 238369 951-210-2101 eddie.deleon@mlmortgage.net Start LOAN
- [Washington](https://www.mlmortgage.net/washington/) - Washington Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN Zain Siddiqui Director of Sales | NMLS# 1617886 (909) 652-0780 zain@mlmortgage.net Start Loan Johnny Shallop Branch Manager | NMLS# 366808 (909) 466-6224 johnny@johnnyshallop.com Start LOAN Milko Topalov Branch Manager | NMLS# 317488 (909) 466-6224 milko.topalov@mlmortgage.net Start LOAN Ronald Gapp Mortgage Loan Originator |
- [Pennsylvania](https://www.mlmortgage.net/pennsylvania-2/) - Pennsylvania Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN Johnny Shallop Branch Manager | NMLS# 366808 (909) 466-6224 johnny@johnnyshallop.com Start LOAN Milko Topalov Branch Manager | NMLS# 317488 (909) 466-6224 milko.topalov@mlmortgage.net Start Loan Zain Siddiqui Director of Sales | NMLS# 1617886 (909) 652-0780 zain@mlmortgage.net Start LOAN
- [Tennessee](https://www.mlmortgage.net/tennessee/) - Tennessee Nadeem Akber President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN Nadeem Akber Loan Officer | NMLS# 1210413 (909) 263-5798 nadeem@mlmortgage.net Start LOAN
- [North Carolina](https://www.mlmortgage.net/north-carolina/) - North Carolina Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN Ronald Gapp Mortgage Loan Officer | NMLS# 362312 (909) 652-0780 ron.gapp@mlmortgage.net Start LOAN
- [South Carolina](https://www.mlmortgage.net/south-carolina/) - South Carolina Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN Marqita Miles Mortgage Loan Originator | NMLS# 1873586 (864) 915-9884 marqita@mlmortgage.net Start LOAN
- [Wyoming](https://www.mlmortgage.net/wyoming/) - Wyoming Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN
- [Oklahoma](https://www.mlmortgage.net/oklahoma/) - Oklahoma Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN
- [New Mexico](https://www.mlmortgage.net/new-mexico/) - New Mexico Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN
- [Montana](https://www.mlmortgage.net/montana/) - Montana Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN
- [Mississippi](https://www.mlmortgage.net/mississippi/) - Mississippi Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN Ashley McCullum Mortgage Loan Originator | NMLS# 2064090 (601) 467-0988 amccullum@mlmortgage.net Start LOAN
- [Michigan](https://www.mlmortgage.net/michigan/) - Michigan Tysen Cahill Loan Officer | NMLS# 1159287 (714) 394-3556 tysen@mlmortgage.net Start LOAN
- [Louisiana](https://www.mlmortgage.net/louisiana/) - Louisiana Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN Ashley McCullum Mortgage Loan Originator | NMLS# 2064090 (601) 467-0988 amccullum@mlmortgage.net Start LOAN Johnny Shallop Branch Manager | NMLS# 366808 (909) 466-6224 johnny@johnnyshallop.com Start LOAN
- [Indiana](https://www.mlmortgage.net/indiana/) - Indiana Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start Loan Gianna Felix Loan Originator | NMLS# 2358963 (909) 969-0680 gianna@mlmortgage.net Start Loan Johnny Shallop Branch Manager | NMLS# 366808 (909) 466-6224 johnny@johnnyshallop.com Start Loan
- [Idaho](https://www.mlmortgage.net/idaho/) - Idaho Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN
- [Hawaii](https://www.mlmortgage.net/hawaii/) - Hawaii Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start Loan
- [Georgia](https://www.mlmortgage.net/georgia/) - Georgia Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN Johnny Shallop Branch Manager | NMLS# 366808 (909) 466-6224 johnny@johnnyshallop.com Start LOAN Marqita Miles Mortgage Loan Originator | NMLS# 1873586 (864) 915-9884 marqita@mlmortgage.net Start LOAN
- [Alabama](https://www.mlmortgage.net/alabama/) - Alabama Kamran Akbar President | NMLS# 389945 (909) 652-0780 kamran@mlmortgage.net Start LOAN Ashley McCullum Mortgage Loan Originator | NMLS# 2064090 (601) 467-0988 amccullum@mlmortgage.net Start LOAN
- [Team 100 Texas](https://www.mlmortgage.net/team-100-texas/) - Team 100 Texas at ML Mortgage offers home mortgages including FHA, VA, Conventional, Down Payment Assistance, & Self-Employed. Fast approvals & expert guidance.
- [Smooth Closing Blueprint - Team 100 - Texas](https://www.mlmortgage.net/smooth-closing-blueprint-team-100-texas/)
- [Lock n Loan](https://www.mlmortgage.net/locknloan/) - Lock n Loan is the #1 choice for FHA, VA, Conv. & Self Employed mortgages in SoCal. Top LOs: Julian Bustamante, Abdul Chamseddine, George Munoz, Sarkis Elmayan
- [Careers](https://www.mlmortgage.net/careers/) - Build your future with ML Mortgage! Join a top-tier team, unlock career growth, and thrive in a supportive environment. Apply today
- [Arnold Perez](https://www.mlmortgage.net/arnold-perez/) - Work with Arnold Perez at ML Mortgage in Texas. Expert guidance, great rates, and personalized home loan solutions tailored to your needs.
- [SoCal Mortgage](https://www.mlmortgage.net/socal-mortgage/) - Your #1 choice for FHA, VA, USDA & Conventional loans in Southern California. SoCal Mortgage Top LOs: Milko Topalov, Crystal Erskine, Sennait M. Yohannes
- [Team 100 Lake Havasu](https://www.mlmortgage.net/lake-havasu/) - Your #1 choice for FHA, VA, USDA & Conventional loans in Lake Havasu, Arizona. Team 100 is here to take you home!
- [Licensing & Disclosures](https://www.mlmortgage.net/licensing-disclosures/) - Licensing & Disclosures State Agency License Type License Number Alabama State Banking Department Alabama Consumer Credit License 362312 Arizona Arizona Department of Financial Institutions Mortgage Banker License 949928 California California Department of Financial Protection and Innovation (“DFPI”) Financing Law License 60DBO-69831 California California Department of Real Estate (“DRE”) Real Estate Corporation License Mortgage Loan Originator
- [La Quinta](https://www.mlmortgage.net/la-quinta/) - Your #1 choice for FHA, VA, USDA & Conventional loans in La Quinta, CA. Work with top LOs: Antonio, Araceli, Javier, Adan & Elidia at ML Mortgage.
- [Vickie Pridemore](https://www.mlmortgage.net/vickie-pridemore/) - Work with Vickie Pridemore at ML Mortgage in Las Vegas, NV. Expert guidance, great rates, and personalized home loan solutions tailored to your needs.
- [Antonio Rodriguez](https://www.mlmortgage.net/antonio-rodriguez-2/) - Antonio Rodriguez, bilingual loan officer at ML Mortgage La Quinta, helps Coachella Valley families achieve homeownership. Habla Español.
- [Loan Programs](https://www.mlmortgage.net/loan-programs/) - Loan Programs Conventional Conventional loans are the most common and widely available mortgage option. For borrowers with good credit, balanced income, debt and some down payment, they are often the least complicated way to get the most flexible mortgage options. Fixed Rate 10, 15, 20 and 30 year terms Available for Purchase and Refinance Transactions
- [Non-QM Loan Programs](https://www.mlmortgage.net/non-qm-loan-programs/) - Explore Non-QM Loan mortgages and self-employed home loans from ML Mortgage. Flexible options for bank statements, DSCR, asset depletion, and more.
- [Chino](https://www.mlmortgage.net/chino/) - Your #1 choice for FHA, VA, USDA & Conventional loans in Chino, CA. Top LOs: Joel, Jose, Shirley, Catalina, Michaella, Carlos & Jennifer at ML Mortgage
- [Thank You For Submitting Your Application](https://www.mlmortgage.net/thank-you-for-submitting-your-application/) - Thank You for Submitting Your Loan Application! We’re excited to help you get one step closer to achieving your financial goals. Your application has been successfully submitted, and our team is already at work reviewing it. We’ll be reaching out to you soon with any additional information needed to complete your application. In the meantime,
- [Resources](https://www.mlmortgage.net/resources/) - Resources Looking to purchase or refinance? Here are a number of resources to help you on your journey. Mortgage Calculator Loan Programs Mortgage Glossary Purchase Loan Checklist Refinance Loan Checklist Credit Score Basics Understanding Closing Costs Do's and Don'ts Frequently Asked Questions
- [Terms of Use](https://www.mlmortgage.net/terms-of-use/) - ML Mortgage - The following Terms of Use outline your obligations when using the Services, defined below.
- [Kamran Akbar](https://www.mlmortgage.net/kamran-akbar/) - Kamran Akbar is the President of ML Mortgage Corp and Community Wholesale Lending, bringing over 17 years of dedicated experience in the mortgage industry.
- [Privacy Policy](https://www.mlmortgage.net/privacy-policy/) - Information Policies We place a high value upon the trust that you place in us when applying for a loan. We promise not to abuse that trust by inappropriately using the information you provide to us. We request this information in order to provide you with the most comprehensive and accurate data possible. We will
- [Payments](https://www.mlmortgage.net/payments/) - Make a Payment
- [Mortgage Calculator](https://www.mlmortgage.net/mortgage-calculator/) - Mortgage Calculator
- [Understanding Closing Costs](https://www.mlmortgage.net/understanding-closing-costs/) - Understanding Closing Costs What Kind of Closing Costs Can I Expect? These are the fees and costs for services and actions completed during the processing and closing of your loan. Some are paid when the action happens, such as an inspection or appraisal. Others are paid at closing and are included on your settlement statement.
- [Do’s and Don’ts](https://www.mlmortgage.net/dos-and-donts/) - Do's and Dont's Do's Provide all requested financial documentation within 24 hrs Disclose all of your income that you would like considered for qualifying purposes Disclose all of your debts (i.e. side business, alimony, child support, additional real estate owned etc.) Be upfront about your credit (good, bad or otherwise) Continue to use your credit
- [Refinance Loan Checklist](https://www.mlmortgage.net/refinance-loan-checklist/) - Refinance Loan Checklist Your current mortgage information including copy of mortgage statement Your property tax bill A list of all of your recurring monthly expenses (car payments, credit cards, etc.) Copies of paystubs and other sources of income for yourself and any co-borrowers (child support, alimony, home-based employment) Copies of complete most-recent bank statements for
- [Purchase Loan Checklist](https://www.mlmortgage.net/purchase-loan-checklist/) - Purchase Loan Checklist Basic Information Valid ID – Driver’s License and Social Security card or Permanent Residence card. Current pay stubs or, if self employed, your tax returns for the past two years. Bank statements for the past two months. Investment account statements for the past two months. Life insurance policy. Retirement account statements for
- [Credit Score Basics](https://www.mlmortgage.net/credit-score-basics/) - A credit score is a three-digit number based entirely and exclusively on the information found on your credit reports.
- [Mortgage Glossary](https://www.mlmortgage.net/mortgage-glossary/) - Mortgage Glossary 2/1 BUY DOWN MORTGAGEThe 2/1 Buy Down Mortgage allows the borrower to qualify at below market rates so they can borrow more. The initial starting interest rate increases by 1% at the end of the first year and adjusts again by another 1% at the end of the second year. It then remains
- [Frequently Asked Questions](https://www.mlmortgage.net/frequently-asked-questions/) - Frequently Asked QuestionsHow do we know what is the best type of financing for our particular family's situation? The best way for you to determine which program would best suit your family’s needs is to sit down with a representative and they will explain all of your financing options. Things to consider are: family size,

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- [ML Mortgage Header](https://www.mlmortgage.net/tatsu_header/ml-mortgage-header/) - 866-598-9232 Monday - Friday: 8:00AM - 5:00PM Home About Our Mission Meet the team Careers Testimonials States Alabama Arizona California Colorado Florida Georgia Hawaii Idaho Indiana Louisiana Michigan Mississippi Montana Nevada New Mexico North Carolina Oklahoma Oregon Pennsylvania South Carolina Tennessee Texas Washington Wyoming Blog Resources Make A Payment Home About Our Mission Meet the

## Tatsu Footers

- [ML Mortgage Footer](https://www.mlmortgage.net/tatsu_footer/ml-mortgage-footer/) - ML Mortgage Corp, NMLS #362312 (For licensing information go to www.nmlconsumeraccess.org) Documents Privacy Policy Licensing & Disclosures Contact Info 8270 Aspen St Rancho Cucamonga, CA 91730 866-598-9232 File a Complaint Copyright 2026 ML Mortgage Corp. All rights reserved.

## Categories

- [Uncategorized](https://www.mlmortgage.net/category/uncategorized/)
- [Pre-Approval](https://www.mlmortgage.net/category/pre-approval/)
- [First Time Homebuyer](https://www.mlmortgage.net/category/first-time-homebuyer/)
- [For Buyers](https://www.mlmortgage.net/category/for-buyers/)
- [Buyer Tips](https://www.mlmortgage.net/category/buyer-tips/)
- [Mortgage Updates](https://www.mlmortgage.net/category/mortgage-updates/)
- [Mortgage News](https://www.mlmortgage.net/category/mortgage-news/)
- [Self-Employed Buyers](https://www.mlmortgage.net/category/self-employed-buyers/)
- [Real Estate](https://www.mlmortgage.net/category/real-estate/)
- [Home Prices](https://www.mlmortgage.net/category/home-prices/)
- [Economy](https://www.mlmortgage.net/category/economy/)
- [Mortgage Rates](https://www.mlmortgage.net/category/mortgage-rates/)

## Tags

- [refinanance](https://www.mlmortgage.net/tag/refinanance/)
- [lower rates](https://www.mlmortgage.net/tag/lower-rates/)
- [cash out](https://www.mlmortgage.net/tag/cash-out/)
- [rate and term](https://www.mlmortgage.net/tag/rate-and-term/)