Welcome to my loan guy sean!
Hi, my name is Sean McKlveen and welcome to MyLoanGuySean.com.
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NMLS ID = 2745336
Senior Loan Officer
Sean McKlveen
Office: (703) 957- 0795
Email: sean@myloanguysean.com
Modern Valley Home Loans LLC
24110 Meadowbrook Rd, Suite 113
Novi, MI 48375
For your free, no obligation quote, submit your information here, and we'll get right back to you and let you know exactly how much cash we can give you today for your note and mortgage. You can also send me an email.
Government & Core Homebuyers
- FHA Loans: Ideal for buyers seeking low down payments or those working with credit scores as low as 500 to 580
- VA & USDA Loans: Excellent options for eligible military veterans or rural home purchasers requiring 0% down financing
- Conventional Mortgages: Standard fixed- or adjustable-rate loans suited for primary, secondary, or investment property buyers with established credit.
Real Estate Investors & Non-QM
- DSCR Investor Loans: Tailored for short-term and long-term rental investors looking to qualify using property cash flow rather than personal tax returns
- Bank Statement Loans: Designed for self-employed entrepreneurs or business owners who use bank statements to verify income
- Foreign National & Credit Specialty Loans: Flexible solutions for international buyers or borrowers recovering from recent credit events like bankruptcy
Homeowner Equity & Cash-Out
- Home Equity Loans & HELOCs: Solutions that allow existing homeowners to access tapped equity without refinancing their primary low-rate mortgage
- Closed-End Second Liens: Alternative standalone second mortgage options designed for homeowners needing lump-sum financing
- Jumbo & High-Balance Loans: Higher-limit loans up to $5 Million for high-net-worth homeowners tapping into or buying luxury real estate
A Loan Officer You Can Trust
Sean McKlveen, nationally known as The NoteVestor, is one of the country’s most recognized authorities on Discounted Notes, Seller Financing, and Land Contracts. Sean also is licensed in VA, TX, FL, MI, OH, and AL as a Mortgage Loan Originator. Sean has relationships with over 30 lending partners and is able to transact Non-QM DSCR loans in over 40 states.
Sean is also a licensed insurance professional in AL, TX, VA, SC, AZ, CA, MO, and FL. To include Life & Annuities, Property & Casualty, and Health insurance. Services can be seen in greater detail at Sean's site seaninsure.com.
Sean is also an active Note Investor in the Secondary Note and Mortgage market, if you are in need of said services please reach out to Sean via thenotevestor.com.
Sean is also the co-creator of the Short-Term Rental Scaling Secrets program that helps real estate investors begin, grow, and scale STR portfolios without using any of their own credit, more details can be found at shorttermrentalscalingsecrets.com.
"Sean gave me cash out refinance for debt consolidation within 15 days of submitting the paperwork. My family was able to take advantage of a great opportunity for our future."
"I've used Sean for dozens of investor loans to fuel my Short-Term rental investment portfolio. He even connected me with the proper business entity experts to ensure I can acquire new properties without using any of my personal credit."
How It Works
The Process is Fast and Easy because we do all of the work.
We can usually close within 30 days or less.
- Discovery & Goal Setting -We start with a quick initial consultation to discuss your homeownership or refinancing goals, income structure, and timeline.
- Simple Application & Document Upload - Complete a streamlined online application and securely upload standard financial documents—such as tax returns, W-2s, or bank statements.
- Custom Scenario Matching - Your financial profile is analyzed against our wide network of lending partners to identify optimal program options, whether you need standard conventional financing, credit-flexible options, or self-employed programs.
- Verified Pre-Approval - Receive an official pre-approval letter—or a Verified Approval Letter (VAL) for TBD properties—giving you strong purchasing power when making offers.
- Processing & Underwriting -Our team manages the loan processing, property appraisal, and underwriting details directly with the lender to clear any conditions smoothly.
- Clear to Close & Funding - Once final underwriting approval is granted, you sign your closing paperwork, your funds are wired, and you receive the keys to your property!
Ready to Take the Next Step?
Whether you are buying your first home, growing an investment portfolio, or tapping into your equity, getting the right home loan shouldn't be complicated. We match your unique financial scenario with top-rated wholesale lenders to secure competitive rates and flexible terms—fast. Get Pre-Approved Today No obligation. Fast, secure, and tailored to your goals.
Expert Guidance
Tailored advice for standard homebuyers, self-employed entrepreneurs, and real estate investors.
Fast Approvals
Get verified pre-approvals quickly so you can make confident offers in today's market
Seamless Experience
fully digital, hassle-free process from application to closing.
Frequently Asked Questions
These are my answers to the most commonly asked questions about mortgages and the process of obtaining financing. Please send me an email if you have any further questions! info@myloanguysean.com
What types of home loans do you offer?
We offer a complete range of mortgage solutions, including standard Government loans (FHA, VA, USDA), Conventional mortgages, Real Estate Investor DSCR loans, Bank Statement loans for self-employed buyers, Home Equity options (HELOCs and 2nd liens), and Jumbo loans up to $5 Million.
Can I get approved for a mortgage if I am self-employed?
Yes. For self-employed entrepreneurs and business owners, we offer specialized Bank Statement loan programs that verify income using 12 to 24 months of personal or business bank deposits instead of traditional tax returns.
What is the minimum credit score required to qualify for a loan?
We work with a wide network of wholesale lenders that accommodate various credit profiles, with FICO score requirements starting as low as 500 to 580 for select FHA and government-backed programs.
How does a DSCR loan work for real estate investors?
Debt Service Coverage Ratio (DSCR) loans allow property investors to qualify for financing based on the rental income generated by the target property rather than using personal tax returns or employment verification.
Can I qualify for a mortgage if I recently went through a bankruptcy?
Yes. We partner with specialized lenders who offer flexible Non-QM and credit-recovery programs designed specifically for borrowers with recent credit challenges or past bankruptcies.
What is the difference between a Pre-Approval and a Verified Approval Letter (VAL)?
What is the difference between a Pre-Approval and a Verified Approval Letter (VAL)?
A standard pre-approval estimates your borrowing power based on unverified data. A Verified Approval Letter (VAL) means an underwriter has fully reviewed your income and assets upfront—giving sellers maximum confidence in your offer even before you sign a purchase agreement.
Can I tap into my home equity without refinancing my low primary mortgage rate?
Absolutely. We offer standalone Home Equity Loans, HELOCs, and Closed-End Second Liens that allow you to cash out your equity without touching or altering your existing first mortgage rate.
What documents do I need to get started with an application?
Standard document requirements typically include recent pay stubs, W-2 forms, tax returns, government ID, and 2-3 months of bank statements (or bank statements only for Non-QM programs).
Are down payment assistance programs available for first-time buyers?
We generally do not buy a note if the property taxes are delinquent because the note would technically be in default. As the seller of the note, we do not allow you to pay the delinquent taxes out of your proceeds from the sale of the note.
How long does the mortgage process usually take from start to finish?
While exact timelines depend on the specific loan program and property appraisal, most standard loans clear underwriting and reach funding within 21 to 30 days once a complete file is submitted.
Do you offer financing for non-U.S. citizens or Foreign Nationals?
Yes. We provide dedicated Foreign National loan programs designed for foreign real estate investors buying secondary homes or rental properties within the U.S. without a standard domestic credit history.
How do wholesale mortgage brokers differ from traditional retail banks?
Unlike a single retail bank that only offers its own in-house products, we shop your loan profile across multiple wholesale lenders to find the specific program, rate, and terms that match your unique financial scenario.
How do I get started with a pre-approval?
You can start immediately by filling out our simple online application or scheduling a initial consultation to review your goals and credit profile.
What is the process if I am looking to purchase a property requiring renovations?
We offer specialized renovation programs like FHA 203(k) loans, which allow you to combine both the home purchase price and the cost of property repairs or modernization into a single primary mortgage.