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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.

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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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Tips for Refinancing
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Tips for Purchasing a Home
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Tips for Selling Your Home
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Tips for Improving Your Credit
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Michaels Mortgage Blog

Buyers Don’t Need 20% Down to Remove the Monthly Mortgage Insurance “PMI” on a Home Purchase
July 25th, 2018 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 $465k, and only 5% to remove the monthly PMI on a home purchase up to $685k. 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 put down as little as 3% or 5% with this program. Check out how to qualify.

The Benefits of a Cash-Out Refinance
July 21st, 2018 by Michael Deery

As home values and home equity continue to increase in California, 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 different loan programs you can use to refinance and borrow cash-out, they are Conventional, FHA and VA financing, and Portfolio financing. Check out the current rules how to qualify for each loan program.

Buy a Home With Only 3% Down Conventional Financing and No Monthly PMI
July 18th, 2018 by Michael Deery

The conventional 3% down mortgage is the best low down payment option available for homebuyers in today’s market, and it is available to all buyers. There is also an option to remove the monthly mortgage insurance “PMI” from the mortgage payment, so you can obtain an even lower monthly payment. This Conventional 3% down program is a great alternative to FHA financing, as FHA has no option to remove the monthly FHA monthly mortgage insurance from the mortgage payment. All of the down payment can be gifted too. Homeowners can also use this program to refinance up to 97% of their property value with No monthly PMI. Check out how to qualify for this program.

Buy a Home Up to $715k With Only 5% Down Conventional Financing and No Monthly PMI
July 16th, 2018 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. A buyer can now purchase a home up to $715k in Los Angeles and Orange County, and $685k 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 for this program.

8 Tips to Help Your Purchase Offer Get Accepted by the Seller!
July 13th, 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 by the seller.

4 Loan Programs to Help You Purchase an Investment Property
July 11th, 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, 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.