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Welcome to Our Website!

Thank you for the opportunity to assist with your mortgage 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 available in the market place. 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

Buy a Home With Only 3% Down Conventional Financing and No Monthly Mortgage Insurance "PMI"
October 8th, 2017 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 $424,100 with only 3% down. All of the 3% down payment can be gifted, and we can also give borrowers a lender credit to cover closing costs. Check out how to qualify for this program.

Current Cash-Out Mortgage Refinance Rules
October 5th, 2017 by Michael Deery

As home values and home equity continues to increase in most parts of California, many homeowners are tapping into their home equity and borrowing cash-out to pay for home renovation projects or college tuition, 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 how to qualify.

NEW: The 5% Down Conventional Jumbo Mortgage With No Monthly Mortgage Insurance "PMI"
October 2nd, 2017 by Michael Deery

The 5% down Conventional Jumbo mortgage with No monthly mortgage insurance "PMI" is a great financing option for borrowers who want to purchase a home or refinance and require a larger loan amount. 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 Conventional Jumbo program.

7 Tips to Help Your Purchase Offer Get Accepted by the Seller
September 30th, 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
September 26th, 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.

4 Different Loan Programs to Help You Purchase an Investment Property
September 21st, 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.