Based in Encinitas and serving clients throughout California and beyond, 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 in all 50 states, I serve clients throughout California and nationwide — with the personal attention you'd expect from a local broker, not a big bank call center.
"Mike walked us through every step of buying our first home in Encinitas. He found us a rate we couldn't believe and closed in 19 days. We'd never use anyone else."
"I called three mortgage brokers before Mike. He was the only one who actually explained the reverse mortgage process clearly. My wife and I couldn't be happier."
Verified reviews from real clients — because my reputation is everything in this business.
"Mike made the whole process so easy. We were first-time buyers and nervous about everything, but he explained each step clearly and always picked up when we called. Closed in 20 days!"
"As a realtor I've sent Mike dozens of clients. He communicates constantly, never misses a deadline, and always gets great terms. He's my go-to lender and I recommend him without hesitation."
"We explored a reverse mortgage with Mike and were blown away by how patient and thorough he was. He never made us feel rushed, answered every question, and found us the best option."
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No pressure, no obligation — just a straightforward conversation about your goals.