Client Testimonials
- I have now refinanced 3 times with Michael. 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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SPECIAL OFFER
| Free Appraisal! | | This coupon entitles you or a friend to a free appraisal report when obtaining home financing ( refinance only). | | Coupon must be presented at time of application. Limit one coupon per loan transaction. Not valid on loans currently in process or with any other discount or offer. |
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Recent Loan Closings
- Helped refinance 18 clients in January and February into a 30 year fixed rate at 4.875%, this saved each client on average $250 a month.
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Michaels Mortgage Blog
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Welcome To My Website!
Thank you for considering me to assist you with your financing needs. Whether you are looking to buy a new home, or aiming to refinance your current loan. Or you are looking for a first time mortgage or a home equity loan. I will help you find the best loan program and lowest interest rate for your situation. Please take a moment to watch my video below, which will help you navigate through my website and help you find the information you are looking for.
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My Mortgage Concierge Program 
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Refinancing
- Lower your interest rate
- Borrow cash out
- Consolidate your bills
- Payoff your mortgage sooner
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Click HERE!
Top Ten Tips for Refinancing Your Home |
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Purchasing a Home
- Buying your dream home
- Buying an investment property
- First time home buyer
- Buying a vacation home
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Loan Modifications
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- Is your loan Ready to adjust
- Is your interest rate too high
- Had an increase in monthly payment obligations
- Had a recent financial hardship
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Click HERE!
How Loan Modifications Work
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Credit Education and Improvement
- Why good credit is more important than ever
- How to fix negative credit
- What the banks look for
- How to improve your credit
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Today Rates
| 40-yr Fixed | 3/1 Arm | | 30-yr Fixed | 5/1 Arm | | 20-yr Fixed | 7/1 Arm | | 15-yr Fixed | 10/1 Arm | | 10-yr Fixed | Heloc |
Mortgage Resources
Michaels Housing and Market Updates
Preferred Partners
- Financial Planning
- Life Insurance
- Investments
- Estate Planning
- Banking
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