Mortgage Loan Originator NMLS #: 1445302
1499 Palm Coast Parkway
Palm Coast, FL 32127
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.
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.
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Assess Your Situation
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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.