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Welcome to Our Website!

Thank you for the opportunity to assist with your financing needs. 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 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

January 10th, 2018 by Michael Deery

There is a terrific mortgage program available for borrowers who want to purchase a home or refinance with a low down payment! It is a conventional mortgage that only requires a 3% down payment, and there is also an option to eliminate the monthly mortgage insurance “PMI”. Borrowers can finance a mortgage up to $453,100 with only 3% down. All of the 3% down payment can be gifted too, and we can also give borrowers a lender credit to cover closing costs. Check out how to qualify for this program.

January 8th, 2018 by Michael Deery

As home values and home equity continue to increase all across California, many homeowners are tapping into their home equity and borrowing cash-out to pay for home renovation projects, college tuition, finance a new property, or to consolidate credit cards and save money monthly. There are 3 different loan programs you can use to refinance and borrow cash-out, they are Conventional, FHA and VA financing. Check out the current rules how to qualify for each loan program.

January 7th, 2018 by Michael Deery

Need a jumbo loan to puchase a home? The 5% down Conventional Jumbo mortgage with No monthly mortgage insurance "PMI" is a great option for borrowers who want to purchase a home or refinance. With the new higher 2018 conventional loan limits available, homebuyers can purchase a home up to $715k in Los Angeles, Orange County or San Francisco with only 5% down and No PMI, or up to $685k in San Diego with only 5% down and No PMI. This program also allows ALL of the down payment to be gifted. We can also give borrowers a lender credit to help their closing costs. Check out how to qualify for this Conventional Jumbo program.

January 7th, 2018 by Michael Deery

In today’s competitive housing market where inventory is limited and multiple offers are the norm, it is important that a buyer’s offer stands out from the crowd. Buyers and agents have to be creative with their 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 8 tips that will help your purchase offer stand out from the crowd and get accepted.

January 4th, 2018 by Michael Deery

There are many factors that determine the interest rate on your mortgage for a home purchase or refinance. 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, and why rates can change up to 2-3 times everyday.

January 2nd, 2018 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 in most parts of California, purchasing an investment property is a great source of additional income. I summarized 4 different loan programs that are available to help you finance and purchase an investment property.