Expert Mortgage Guidance for Your Financial Needs
Trusted expertise to guide you through complex financial and mortgage decisions to make informed choices for your financial well-being. Trust us to be your partner in achieving your homeownership goals.
MACK DAVIDSON - Saxton Mortgage
NMLS 1006831 | CA Real Estate 02086053
Senior Loan Officer
Mack Davidson entered the mortgage industry in 2012. Over the past decade, he has helped countless families purchase new homes and refinance existing mortgages to obtain better terms. With a B.A. in Communications from California State University of Long Beach, Mack connects with his clients on a very personal level. He takes pride in building long-term relationships and he will always be your primary point of contact. Mack and his top-tier account executives work relentlessly to ensure the loan process is smooth and easy. They stay laser focused on making sure funding is completed successfully and in record time. Mack has built his business on word of mouth referrals from satisfied clients, & real estate agents who trust him to deliver the same outstanding service to their own family, friends, and clients.
Conventional Loans
Conventional home loans are a popular choice for many homebuyers. Generally requiring a higher credit score and a down payment of at least 3%, conventional loans offer flexibility in terms of loan term and interest rates. Borrowers can select fixed-rate or adjustable-rate options based on their financial goals.
USDA Loans
Are you looking to purchase a home in a rural or suburban area? With competitive interest rates and the possibility of financing up to 100% of the home value, USDA loans offer a cost-effective option for eligible borrowers.
VA Loans
VA loans stand out for their ease of access, requiring no down payment, private mortgage insurance, or minimum credit score - making them an attractive option for eligible veterans, active duty service members, and select military spouses.
Banks Statement Loans
Bank statement loans are a popular choice for individuals who might not have traditional proof of income, such as self-employed workers or freelancers. By using bank statements to demonstrate cash flow, these individuals can still qualify for a mortgage or loan.
FHA Loans
Backed by the Federal Housing Administration, these loans offer a pathway to homebuying for those who may not qualify for conventional financing. With lower down payment requirements and more flexible credit score guidelines, FHA loans make purchasing a home more accessible to a wider range of borrowers.
DSCR Loans
A Debt Service Coverage Ratio (DSCR). This type of loan primarily focuses on the property's income potential rather than the borrower's credit score. The DSCR ratio calculates the property's ability to generate enough income to cover the mortgage payments and other property-related expenses.