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Contact Michael Deery today at:

858 - 442 - 2686

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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 of the application, we will complete your loan approval within 24 hours.
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Tips for Purchasing a Home
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Michaels Mortgage Blog

4 Low Down Payment Programs to Help First-Time Buyers Purchase a Home!
January 15th, 2020, by Michael Deery

During 2020, 40% of all home buyers were first time buyers. Over 80% of these first time buyers use low down payment programs to purchase a home. ​Not enough first time or millennial buyers know about the different low down payment options available to help them buy a home. Check out the Top 4 purchase programs available for first time buyers.

4 Programs For a Cash-Out Refinance
January 8th, 2021 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.

9 Ways Borrowers Accidentally Disqualify Their Loan Before Closing
December 28th, 2020, by Michael Deery

Our underwriters have been warning us about an increase in borrowers who are accidentally disqualifying their loan before funding. Here are the 9 most common mistakes that borrowers make, which may accidentally disqualify their loan before their loan funds.

Buy a Home Up to $715k With Only 5% Down Conventional Jumbo Financing and No Monthly PMI
December 23rd, 2020, 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 current 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
December 18th, 2020, 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
December 15th, 2020, 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.