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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 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 to fit your needs. 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
November 26th, 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 $500k, and only 5% to remove the monthly PMI on a home purchase up to $725k. 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 buy a home and put down as little as 3% or 5% with this program. Check out how to qualify.

The Benefits of a Cash-Out Refinance
November 24th, 2018 by Michael Deery

With the increase in home values and home equity in California over the past several years, 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 loan programs you can use to refinance and borrow cash-out, they are Conventional, FHA and VA financing, and Portfolio financing. Check out how to qualify for each loan program.

NEW: Buy a Home With Zero Down and No Closing Costs With a Conventional CalHFA Loan!
November 20th, 2018 by Michael Deery

Would you like to buy a home but don't have the down payment funds? The #1 reason buyers state for not being able to buy a home is lack of funds for the down payment. We have a terrific program available to help buyers purchase a home with a 3% down Conventional loan combined with a CalHFA loan, which will cover ALL of the down payment and ALL of the closing costs. This program is available all over California and up to a purchase price of $705,000 in some counties. Check out how to qualify.

Buy a Home Up to $715k With Only 5% Down Conventional Financing and No Monthly PMI
November 17th, 2018 by Michael Deery

The 5% down Conventional mortgage program with No monthly mortgage insurance “PMI” is a great option for homebuyers who want to purchase a home in higher cost markets in California. For example, a buyer can purchase a home up to $760k in Los Angeles and Orange County, and $725k 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.

7 Tips to Help Your Purchase Offer Get Accepted by the Seller!
November 14th, 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
November 12th, 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.