Based in Encinitas and licensed throughout California, I help homeowners with first-time buyer loans, reverse mortgages, and refinancing — with the personal service of a local San Diego broker.
Whether you're buying your first home, tapping into equity, or refinancing for a better rate — I have the expertise to guide you through it.
Navigate the path to homeownership with confidence. Down payment assistance, FHA options, and step-by-step guidance for Carlsbad and Encinitas buyers.
Learn more →Turn your home equity into tax-free income. I specialize in HECM loans for San Diego seniors looking to enhance retirement without monthly payments.
Learn more →Conventional, government-backed, and luxury property financing. I work with veterans, self-employed buyers, and high-value property purchasers.
Learn more →Lower your rate, reduce your term, or cash out equity. I analyze your current loan and find refinancing opportunities that actually save you money.
Learn more →After 20+ years in lending, I've seen every market condition and loan scenario imaginable. Based in Encinitas and licensed throughout California, I serve clients from San Diego County to the rest of the state — with the personal attention you'd expect from a local broker, not a big bank call center.
"Mike is thorough, tenacious, and very supportive! A must-have advocate in your corner when refinancing."
"Mike is extremely knowledgeable and takes the time to educate you, answer questions and make sure you fully understand the loan process. He works very hard to make sure you get the best loan possible. He is professional, friendly, has great communication and truly wants what’s best for you."
5.0 stars from 107 reviews on Google, Zillow, Experience.com and Facebook — because my reputation is everything in this business.
"Mike and his team made my first time as a new home buyer super easy. The experience was great and the knowledge he shared about different loan programs really helped me out to make the best decision."
"Mike Fake has been our preferred lender for almost 6 years and has helped us thru several purchases. He is very smart and always knows the best program for us each purchase we make. He is honest and straightforward when it comes to fees and rates. As a licensed Realtor I refer him any chance I get with confidence. As a homeowner, I know I'm always being taken care of each time we use him. He's the best in the business!"
"As a real estate investor for over 20 years I've had a lot of experiences with mortgage brokers. Mike has always made what is normally a very difficult and frustrating process rather painless. I've done over 7 deals with Mike and I can't recommend him enough"
Also on Google, Experience.com and Zillow
Check the broker's license on NMLS Consumer Access, read reviews on sites the broker doesn't control, and notice how they treat you before you're a client: do they pick up the phone, explain things plainly, and give you an official Loan Estimate you can compare? A good broker is comfortable with you shopping around.
A bank can only offer its own loans. A broker compares loans from many wholesale lenders, including programs many banks don't offer, like bank-statement, DSCR and bridge loans, and helps you choose the best fit.
Often less than people expect: $0 down for eligible veterans with a VA loan, 3.5% with FHA, and as little as 3% to 5% with conventional loans depending on the loan size. On the September 2026 San Diego County median of about $1,050,000, a 3.5% FHA down payment is about $36,750. Jumbo loans usually need 10% to 20%, and closing costs are on top.
No pressure, no obligation — just a straightforward conversation about your goals.