👋 About Mike

20+ Years of Honest Mortgage Advice

A San Diego native who knows this market inside and out — and who still picks up the phone.

Mike Fake, Mortgage Broker Encinitas San Diego
My Story

A Mortgage Broker Who Puts Clients First

I've been helping San Diego families navigate mortgages for over 20 years. In that time, I've seen every market cycle — the boom years, the 2008 crash, the pandemic surge, and everything in between. That experience gives me a perspective most lenders simply don't have.

I work out of Encinitas at Arbor Financial Group, serving clients across North County San Diego and beyond. As a licensed mortgage broker — not a bank employee — I work for you, not for any single lender. That means I shop your loan across dozens of wholesale lenders to find the best rate and terms for your situation.

My philosophy is simple: give clients the same honest advice I'd give a close friend or family member. No pressure tactics, no hidden fees, no confusing jargon. Just clear guidance and competitive financing.

NMLS #125241 · DRE #1388543 — California
Arbor Financial Group — Encinitas / Carlsbad
20+ years in California mortgage lending
Reverse mortgage specialist (HECM)
Active YMCA community board member — 15 years
My Values

What You Can Expect When You Work With Me

Transparency Always

I explain every fee, every term, and every trade-off before you sign anything. No surprises at closing.

Direct Access to Me

You get my cell number. No call centers, no assistants screening your calls, no runaround.

Fast Closings

My process is streamlined. Most purchase loans close in 21 days or less when clients are responsive.

Long-Term Relationships

Many of my clients have used me 2, 3, even 4 times. I stay in touch and look out for you between transactions.

Client Stories

What Clients Say

★★★★★
"Mike has done three loans for our family over the years. He's the only call I make when we need a mortgage. Honest, fast, and always gets us a great rate."
The Johnson Family
Encinitas, CA
★★★★★
"As a realtor, I've referred Mike to dozens of clients. He communicates well, closes on time, and never embarrasses me. That's everything I need in a lending partner."
Jennifer K., Realtor
Carlsbad, CA
★★★★★
"We were nervous about the reverse mortgage process. Mike sat down with us, brought all the paperwork, and explained every single detail. He made us feel completely at ease."
Bill & Patricia S.
Oceanside, CA

Let's Work Together

Whether you're buying, refinancing, or exploring your options — I'm here to help.

Get in Touch 📞 858-472-2053