(650) 483-8377

HERE FOR ALL YOUR Mortgage NEEDS.

Featured Products

0% Down Purchase

Refi 90

DSCR Investment


  • Borrow up to 89.99% of your home’s
    value instead of the standard 80%


  • Tap into your home’s equity to pay off
    high-interest debt, like credit cards or
    student loans



  • 3% Down payment assistance in the form
    of a second loan on your home


  • Up to $15,000


  • No monthly payment requirements on
    second loan


  • Income eligibility requirements


  • Debt Service Coverage Ratio - qualify
    using income from the property


  • Borrow up to $5M with with competitive
    rates and a variety of loan options


  • Get a lower interest rate at the start of
    your loan with a temporary rate buydown

Government Programs

FHA

VA

USDA

  • Zero down option


  • For Veterans
  • Low to no down payment


  • Credit scores as low as 500
  • Zero down option


  • Rural property
  • Income and property eligibility
    requirements
  • We were having a hard time getting our home loan approved due to some paper work challenges. Mailia and her dad helped us walk through it very easily. Very appreciated!!!

- Deepa D.

  • The best of the best. Closed a full week early. Super prompt response time and helped me with many things before I even got close to finding the house. A+

- Adam W.

Client Reviews

Subscribe to Our Newsletter

For Realtors

For Consumers

Subscribe to Carousel Mortgage Monthly for
expert market updates, tips to grow your
business, and co-brandable tools to share with
your clients.

Join our monthly newsletter for home-buying
tips, mortgage insights, and market trends
tailored for you.

Mailia McDonald

Broker/owner

Meet the broker

Mailia grew up on the Peninsula, immersed in real estate from
an early age, thanks to her father’s career in the industry. As
a child, she enjoyed attending open houses and assisting her
dad with data entry. By high school, she was processing
loans, assisting with contracts, and had even obtained her
real estate license before graduating. In 2012, Mailia earned
her NMLS license, followed by her broker license in 2013,
which led her to establish Carousel Mortgage.


Now based in Menlo Park with her husband and three
children, Mailia loves helping first-time buyers achieve their
dreams of homeownership. Known for her commitment to
client education and dedication to making a difference, she
finds immense fulfillment in her career and feels grateful to
support her clients at every step.


Join the team

We’re expanding our team with real estate agents and loan
originators with all levels of experience.


We offer competitive commission splits and the option to do
both real estate sales and loans, even on the same deal!


Work remotely, with close communication and broker
support.


If you’d like to be part of a growing team in an awesome
industry, click the link below to submit a quick application
and learn more!

Get in touch

(650)483-8377

carouselmortgage@gmail.com

Carousel Mortgage - CA DRE # 01881399 - NMLS # 1078061/841379