Mortgage Loan Originator NMLS #: 1445302
160 Cypress Point Parkway
Palm Coast, FL 32164
Mortgage Loan Originator
Michael knows that buying or refinancing a home is the biggest financial decision of his clients’ lives. That’s why he makes a point of consulting with his clients throughout the entire loan process, so they are well educated and active participants in the transaction.
He has an extensive background in all facets of mortgage lending and assisting his clients with many different needs, whether they are a homebuyer looking to purchase a new home or current homeowners looking to benefit from refinancing. His expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
Michael also makes a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so he can serve as an informed advocate for his clients.
His focus is on not merely getting a clients a loan, but finding the best loan for them.
Awards and Accolades
Five Star Professional
Certified Mortgage Planning Specialist
Top 1% of Mortgage Originatators 2019
Military Housing Specialist
A conventional home loan is a mortgage that is not insured by the federal government, so their terms are more flexible than USDA, FHA or VA loans. Offering low interest rates, they’re a great fit for customers with good credit and financial stability who can afford a down payment.
An FHA loan is a mortgage designed for low-to-moderate-income borrowers. Insured by the Federal Housing Administration, FHA loans require a lower minimum down payments and credit scores than many conventional loans.
Created by President Franklin Delano Roosevelt as part of the original Servicemen’s Readjustment Act of 1944, VA loans help create homeownership for service members who sacrifice so much for their country, yet don’t have a fair chance to establish a credit rating because of their service.
The United States Department of Agriculture developed this mortgage option to improve the economy and quality of life in rural America by encouraging the purchasing of rural land. USDA loans are issued through the USDA Rural Development Guaranteed Housing Loan Program, and you might be surprised how feasible it is to qualify for one beyond what most would consider “farmland”.
We Provide More
From blogs to guides and access to our mobile app, you'll always be armed with the knowledge you need to stay well-informed about your loan.
Our mission is to provide you with industry-leading customer service each and every day. Reach out to us, even after your loan is signed, sealed and delivered!
Mortgage loans come in many varieties, just like our customers. That's why we offer a wide assortment of products with unique benefits, terms, and requirements.
AnnieMac Home Mortgage is committed to supporting the communities in which we serve. Click here to learn more about our mission to give back.
Assess Your Situation
Do you have a minute to discover if now is the right time for you to buy a new home or refinance your current mortgage? There’s no need to guess. Instead, take our simple 60-second quiz and find out for yourself!
Crunching the Numbers
If you are considering the idea of buying a home or refinancing your existing one, would you like to see what your monthly payments might look like? Our easy-to-use calculators can give you a glimpse into your future.
PerkPlans At AnnieMac Home Mortgage, we want to help you spend less – not just on loans, but everywhere! That’s why we’ve partnered with PerkPlans to offer you deep discounts on thousands of services and products. Save on dining, travel, cell phone services and countless other luxuries and necessities for the entire family. As the only mortgage lender to offer these exclusive benefits to customers, AnnieMac is proud to help you live your best life for less. You deserve it!
Recent Blog Entries
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