Client Testimonials

"I have now done 3 loans with Michael and his team. He has always been prompt, reliable, efficient and responsive. The rates he has been able to obtain have been outstanding. I have recommended him to friends and family and they have also been extremely pleased with his outstanding and professional services."


Dr Nancy Everett, Contra Costa, CA 

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Free Credit Report Check

Free Credit Report and Loan Approval

If you are looking to refinance or purchase a home, call today for a 5 minute consultation and you will receive a FREE copy of your credit report and pre-approval letter for your home loan. We will issue your pre-approval within 24 hours of submitting your loan application for approval. When looking to buy a home in today's marketplace, it is very important to be pre-approved for financing before you begin your home search and put in any offers, as sellers will want to verify first that you have financing in place. 


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Check Your Home Value

If you are looking for an estimated value of your home, we have several internal appraisal systems we use that pick up recent sales in a neighborhood. Just let us know and we can run this report and send it to you. For an accurate evaluation of your home, it is best to discuss this with a professional appraiser. Here are a few other sites that will give you an estimation of your home value.

Client Success Stories

Our client was a first time home buyer who was unable to qualify for a loan recently, as her credit scores were below the minimum requirement of 620 for FHA financing. So we put together a plan to fix her credit. First we ran a "credit analyzer" on her credit report, so we could determine what debts she had to pay down to increase her credit scores. After she paid down 2 credit cards, we then did a “rapid rescore” on her credit. In one week we were able to get her scores increased by 40 points, so now she was able to get approved for financing. I am happy to say she just closed escrow on her new home and she is now a happy first time homebuyer. - J


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Welcome to Our Website!

Thank you for considering us to assist with your financing needs. 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 for your situation. 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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Michaels Mortgage and Real Estate Reports


Purchase a Home With Only 5% Down and No Monthly Mortgage Insurance

November 16th, 2013
The best low down payment program available in the market right now for all buyers, is the conventional 5% down loan option with No monthly mortgage insurance “PMI”. Too many buyers today assume, they have to take FHA financing with its really expensive monthly mortgage insurance if they only have a limited down payment of around 5% to purchase a home, or they need to put down 20% to eliminate the mortgage insurance or PMI” on a conventional loan. Instead, buyers can now purchase a home with only 5% down conventional financing, and No monthly PMI on a low 30 year fixed rate. Here is what you need to know to qualify for this program.

5 Reasons to Purchase a Home Soon in 2014

Dec 6th, 2013
During 2013, the cost to purchase a home increased considerably for buyers. Mortgage rates were at 3.25% at the beginning of the year and today sit at roughly 4.5%, so the cost of paying a mortgage has climbed 13%. A buyer who was approved at $500k at the beginning of the year, can now only afford $435k using the same monthly payment today, which means a buyer has lost 13% in purchasing power. With home prices also surging between 10%-20% in many local housing markets during 2013, here are 5 reasons to consider purchasing a home soon in 2014.

What Factors Determine the Interest Rate on My Loan?

Feb 15th, 2013
There are many factors that determine the interest rate on your loan. Also understanding why rates move up and down each day is quite simple, once you understand some basic economic fundamentals. The most frequently asked questions that buyers and homeowners ask are “What’s my rate”, or “How is my mortgage rate determined” or “why is my rate lower than what they say 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 quick guide to use that will help you understand how your mortgage rate will be determined.

7 Tips to Help Get Your Purchase Offer Accepted

June 3rd, 2013
In today’s competitive market where multiple offers are the norm, it is very important that a buyers offer stands out from the crowd so it is given every chance of getting accepted! Buyers and agents have to get creative with their offers and also provide full transparency upfront, so the seller will feel comfortable that a buyer will be able to close escrow. Here are 7 tips that you can use that will strengthen a buyers offer and ensure your purchase offer stands out from the crowd.

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Michael in the News
In 2011 and 2012, Michael was ranked in the Top 100 Mortgage Originators Nationwide by Mortgage Origination Magazine and the Scotmans Guide for total number of loans funded.
See HERE for rankings.
Michael is a guest writer for the San Diego Union Tribune newspaper. He writes articles for their Real Estate Section in their Saturday Edition.
See HERE for some recent articles.

 Mortgage Resources