Our Philosophy: "Customers for Life."
The average individual/family will own 3 homes throughout their lifetime. A new home is often the largest investment a person will ever make, so none of us takes the process lightly.  How much easier would it be if you didn't have to re-learn the system when it's time to re-invest? In addition to helping the first-time buyer become an established homeowner, we want to be the company you trust with every subsequent investment. 

Low rates and fees through knowledge and technology
We use the most advanced technology available to close loans quickly, at a low cost. By combining the use of the Internet along with advanced processing software and automated underwriting systems, we have taken the mystery out of approving and closing a home loan.

Bringing Renters & Our Local Heroes Home
"My goal is to transform as many renters and first-time homebuyers into homeowners as humanly possible," explains Mortgage Money Lenders president and CEO Colin F. Watson.  "By becoming a company owner, I now have the autonomy to make decisions that affect big changes. One of these decisions was creating the loan4heroes program. This program provides zero down payment and low to no closing costs financing to our California heroes.

We have also created a credit program that would enhance individual credit scores in just a few days, making it possible for certain buyers who would not normally qualify for a mortgage, qualify and purchase a home with little or no money down," explains Colin. "Everyone at MML is committed to spending time with any buyer, regardless of their credit score, if the prospective buyer displays a deep desire to own their own home. Every Loan Officer who works at MML shares the same philosophy, and we consider ourselves successful in our business by the number of individuals whose lives we touch."

Meeting The Clients Needs
"We have a reciprocal relationship philosophy with all of our real estate partners. We have specific programs to bring more business to the table, rather than an empty hand, asking for business," remarks Colin. One of the ways in which MML generates new leads is through their website, www.realestateloans4heroes.com. Each morning Colin's staff checks for new applicants who have taken advantage of their easy application service via the website. Once the application is evaluated and approved, it is assigned to a real estate team that consists of a partnering real estate agent, a loan agent, and a processing team.

Product Knowledge
"We are consistently in pursuit of what I call, 'Have-not's', those who have not yet experienced home ownership. They are our main marketing focus and we are committed to turning as many renters into owners as we can each year," comments Colin. Product knowledge is an important aspect of running a quality mortgage company, and Colin is proactive in sharing the latest market trends, bond, stock and economic indicators during weekly staff meetings in order to ensure that every Loan Officer at MML understands how these factors will effect their clients in everyday practical terms.

Serving America

We currently lend in the following States: Alabama, Alaska, Arkansas, California, Colorado, Delaware, Florida, Hawaii, Indiana, Kentucky, Maine, Massachusetts, Mississippi, Missouri, Nebraska, Nevada, New, Hampshire, New, Jersey, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, South, Carolina, South, Dakota, Tennessee Texas, Utah, Virginia, Wisconsin, Wyoming