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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.

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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

NEW Mortgage Program: Purchase a Home With Only 1% Down and No Monthly Mortgage Insurance "PMI
April 29th, 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 only 1% down. There is also an option for a lender credit to cover closing costs too. Until recently, homebuyers had to put down 3% - 5% to purchase a home with conventional financing. Check out how to qualify for this program.

NEW: The 5% Down Conventional Jumbo Mortgage With No Monthly Mortgage Insurance "PMI"
April 25th, 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, homebuyers in San Diego can purchase a home up to $640k with only 5% down and No PMI, or $675k in Los Angeles, Orange County or San Francisco 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 for closing costs. Check out how to qualify for this exciting new Conventional Jumbo program.

4 Loan Programs to Help You Purchase an Investment Property
April 22nd, 2017 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 below 4 different loan programs available to help you finance and purchase an investment property.

7 Tips to Help Your Purchase Offer Get Accepted by the Seller
April 20th, 2017 by Michael Deery

In today’s competitive housing market where multiple offers on a proeprty for sale 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 their 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.

The Different Factors That Determine the Rate on a Mortgage
April 15th, 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.

The New Conventional Mortgage “Flexible Term Program”
April 12th, 2017 by Michael Deery

The new Conventional mortgage “Flexible Term Program” is a terrific financing option for homeowners and new homebuyers, as it allows you to choose your own term on a conventional fixed-rate mortgage for a refinance or 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. For example, 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.