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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 loan, or you are seeking a first time mortgage or home equity loan, we will help you find the best loan program and lowest interest rate available in the market. 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.

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

February 25th, 2017 by Michael Deery

There is a terrific new mortgage program available for borrowers who want to purchase a home or refinance! It is a conventional mortgage that only requires a 1% down payment, and there is also an option to eliminate the monthly mortgage insurance “PMI”. Borrowers can finance a mortgage up to $424,100 with 1% down. Until recently, buyers had to put down 3% - 5% to qualify for conventional financing, or they were stuck with FHA financing and expensive monthly mortgage insurance if they only had a minimum down payment. Check out how to qualify for this program.

February 22nd, 2017 by Michael Deery

The 5% down Conventional Jumbo mortgage with No monthly mortgage insurance "PMI" is a terrific financing option for borrowers who want to purchase a home or refinance. For example, buyers can purchase a home up to $640k in San Diego, or $675k in LA, Orange County or San Francisco with only 5% down. Borrowers also have the option of eliminating the montly "PMI". This program also allows ALL of the down payment to be gifted. Check out how to qualify for this new Conventional Jumbo program.

February 17th, 2017 by Michael Deery

Mortgage rates and home prices both increased during 2016, and it looks like both will continue to rise in 2017. A lot of buyers asking if now is a good time to buy a home? Here are 5 reasons to purchase a home in 2017.

February 15th, 2017 by Michael Deery

In today’s competitive housing market where multiple offers are the norm, it is very important that a buyer’s offer stands out from the crowd. Homebuyers and Real Estate Agents have to be creative with purchase offers and also provide full transparency upfront, so the seller will feel comfortable that a buyer will be able to obtain financing and close escrow. Here are 7 tips that will help your purchase offer stand out from the crowd and get accepted.

February 10th, 2017 by Michael Deery

There are many factors that determine the interest rate on your mortgage. The most frequently asked questions that buyers and homeowners ask are “What’s my rate”, or “Why is my rate higher than what I hear on TV?", or "Do you see rates increasing when I am ready to buy in a few months?". With these questions in mind, here is a helpful guide so you can better understand the different factors that will determine the rate on your mortgage.

February 7th, 2017 by Michael Deery

The new Conventional mortgage “Flexible Term Program” is a terrific option for homeowners and new home buyers, as it allows a borrower to choose their own term on a conventional fixed-rate mortgage on a refinance or a home purchase. Until recently, a borrower could only choose a 15, 20 or 30-year fixed term on a conventional mortgage. Now a borrower can choose any term they want between 8 and 30 years. If you have been paying on your 30 year mortgage for 6 years and would like to refinance the remaining 24 years, or you have a goal of retiring in 18 years and would like to be mortgage free for retirement, you can now choose your own term on your fixed-rate mortgage.