One Local Team for Refinancing and Home Purchase Loans in the South Bay
Kingway Properties helps South Bay homeowners, buyers, and real estate investors refinance or purchase property through our partner company, MidGate Mortgage, a Torrance-based mortgage broker serving the South Bay since 2001. Whether you want to lower your monthly payment, pull cash from your equity, or finance your next rental property, you can handle your financing, property management, and real estate sales with one experienced local team at 3635 Newton St., Suite E, in Torrance. Call (888) 840-1935 to schedule a free, no-obligation property review.
Why Work with One Team for Financing, Management, and Sales?
Most property owners juggle a separate lender, property manager, and real estate agent, each with only part of the picture. Kingway Properties and MidGate Mortgage are both divisions of MidGate, Inc., so the people reviewing your loan options also understand your rental income, tenant situation, and long-term investment goals. That means:
- One point of contact for financing, property management, and buying or selling
- Loan recommendations based on how your property actually performs
- Local South Bay market knowledge from a team with more than two decades in real estate
- Less back-and-forth between companies and fewer surprises at closing
How Can Refinancing Increase Your Cash Flow?
Refinancing replaces your current mortgage with a new one, usually to lower your interest rate, reduce your monthly payment, change your loan term, or access the equity you have built. For investment property owners, a lower payment can directly improve monthly cash flow, while a cash-out refinance can fund your next purchase or renovation. Refinance options available through MidGate Mortgage include:
- Rate and term refinance: Lower your rate or payment, shorten your term, or switch between fixed and adjustable rates
- Cash-out refinance: Turn built-up equity into funds for future investments, improvements, or debt consolidation
- Streamline refinance: Simplified FHA, VA, and USDA refinance options, often without a new appraisal
- VA IRRRL and VA cash-out: Options for eligible veterans and service members with an existing VA loan
- Renovation refinance: Finance upgrades that can increase your property’s value and equity
You can learn more about each program on MidGate’s refinance page. Keep in mind that total finance charges may be higher over the life of a loan when you refinance, which is why a personalized review matters.
What Purchase Loans Are Available for Buyers and Investors?
Whether you are buying your first home or adding another rental to your portfolio, MidGate Mortgage offers a wide range of purchase financing for South Bay properties:
- Conventional loans with a range of down payment options
- FHA loans with down payments as low as 3.5% for qualified buyers
- Jumbo and high-balance loans for higher-priced South Bay markets
- VA loans for eligible veterans and military families
- Condo loans for condominium purchases
- Renovation loans to buy and improve a property with one loan
- Investor loans that qualify based on a property’s rental income
- Self-employed loans using bank statements or a P&L instead of tax returns
- Construction-to-permanent loans with a single closing
Not sure which program fits? Explore the full list of loan programs or use the mortgage calculator to estimate what you can afford.
How Does Property Management Fit Into Your Financing Plan?
Financing is only one part of owning profitable real estate. Once your loan closes, Kingway Properties can manage the day-to-day operations of your property, including tenant screening, rent collection, maintenance coordination, and property accounting. We manage single-family homes, condominiums, townhomes, and residential buildings of up to 10 units throughout the South Bay. Protecting your property while freeing up your time helps you get more out of every investment you finance.
Can You Help Me Buy, Sell, or Grow My Portfolio?
Yes. Our team provides expert guidance when you are buying or selling real estate, from due diligence on a potential purchase to positioning your property for sale. Combined with financing and management under one roof, our local market knowledge helps you maximize your property’s value and build long-term wealth.
What Happens During a Free Property Review?
A free, no-obligation property review is the easiest way to see where you stand. During your review, we will:
- Discuss your current financing and available loan options
- Evaluate your property’s current value
- Identify whether you have an investment property with untapped equity
- Pinpoint opportunities to improve cash flow and increase your return
Where Do We Serve?
Kingway Properties and MidGate Mortgage serve property owners and buyers throughout the South Bay, including Torrance, Redondo Beach, Manhattan Beach, Hermosa Beach, El Segundo, Hawthorne, Lawndale, Inglewood, Carson, Lomita, Harbor City, San Pedro, Wilmington, and the Palos Verdes Peninsula.
Schedule Your Free Property Review Today
Ready to lower your payment, access your equity, or finance your next purchase? Call Kingway Properties at (888) 840-1935, email info@kingwayproperties.com, or apply online to get started. One local team, every real estate service you need.