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Welcome to Our Website!

Thank you for the opportunity to assist with your financing goals. Whether you are looking to purchase a new home or aiming to refinance your current mortgage, or you are seeking a first-time mortgage or a cash-out mortgage, we will help you find the best program and lowest interest rate to fit your needs. Please take a moment to watch our video below, which will help you navigate through our website and help you find the information you are looking for.

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The Express Mortgage Approval is a special service we have created to help simplify the loan application and approval process, so you can obtain your approval easier and faster. Our online loan application only takes a few minutes to fill out. Upon receipt, we will complete your loan approval on the same day.
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Michaels Mortgage Blog

Top 4 Low Down Payment Programs to Help First-Time Buyers Purchase a Home!
January 14th, 2019 by Michael Deery

During 2018, 40% of all home buyers were first time buyers, this number is expected to increase in 2019. Over 80% of these first time buyers use low down payment programs to purchase a home. A newly released report by Apartment List advised that saving for a down payment is the primary financial obstacle keeping millennial renters from purchasing homes, with 61.7% of respondents who plan to buy saying that they can’t afford a down payment. ​Not enough first time or millennial buyers know about the different low down payment options available to help them buy a home. I summarized below the Top 4 purchase programs available for first time buyers.

4 Programs You Can Use to Cash-Out Refinance
January 10th, 2019 by Michael Deery

With the increase in home values and home equity in California over the past several years, many homeowners are tapping into their home equity and borrowing cash-out to pay for home renovation projects, college tuition, a down payment to purchase a new property, or to consolidate credit cards. There are 4 loan programs you can use to refinance and borrow cash-out, they are Conventional, FHA and VA financing, and Portfolio financing. Check out how to qualify for each loan program.

NEW: Buy a Home With Zero Down and No Closing Costs With a Conventional CalHFA Loan!
January 8th, 2019 by Michael Deery

Would you like to purchase a home but don't have enough funds for the down payment or closing costs? We have a terrific program available to help buyers purchase a home with a 3% down Conventional loan combined with a CalHFA loan, which will cover ALL of the down payment and ALL of the closing costs. This program is available all over California and up to a purchase price of $705,000 in some counties. Check out how to qualify.

Buy a Home Up to $715k With Only 5% Down Conventional Jumbo Financing and No Monthly PMI
January 6th, 2019 by Michael Deery

The 5% Down Conventional Jumbo Mortgage Program with No monthly mortgage insurance “PMI” is a great option for homebuyers who want to purchase a home in higher cost markets in California. With the new higher 2019 conventional jumbo loan limits, a buyer can purchase a home up to $760k in Los Angeles and Orange County, and $725k in San Diego with only 5% down and No monthly PMI. All of the down payment can be gifted too. Check out how to qualify.

Buyers Don’t Need 20% Down to Remove the Monthly Mortgage Insurance “PMI” on a Home Purchase
January 4th, 2019 by Michael Deery

Most home buyers today assume they need to put down 20% to eliminate the monthly mortgage insurance “PMI” on a mortgage, I probably get asked this question as much as any other when it comes to mortgages. With Conventional financing, you only have to put down 3% to remove the monthly PMI to purchase a home up to $500k, and only 5% to remove the monthly PMI on a home purchase up to $725k. Instead of waiting to save up more money for the down payment to try and purchase a home while home prices and rates continue to rise, you can buy a home and put down as little as 3% or 5% with this program. Check out how to qualify.

4 Loan Programs to Help You Purchase an Investment Property
January 2nd, 2019 by Michael Deery

Buying an investment property is one of the best financial investments you can make. With annual rents continuing to increase on average 3% – 4% in many parts of California, and rental vacancy rates at 30-year lows, purchasing an investment property is a great source of additional income. I summarized 4 different loan programs that are available to help you purchase an investment property.