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I am serving my clients for almost 20 years. I focus primarily on new home buyers mostly utilizing FHA and Downpayment assistant programs. I also help homeowners lower their monthly mortgage payments with a wide array of financing options.

Today, purchasing or refinancing a home is the largest financial transaction that any of us will enter into, so it's essential to select a trusted, qualified, and experienced Loan Officer that has the knowledge and background to effectively help you obtain a loan that is tailored to fit your individual financial needs. With 20 years of experience and knowledge as a trusted and qualified Loan Officer, I have successfully worked with people in California and Hawaii to secure just the right mortgage. It is my pledge to you to always provide the same sincere commitment with consistent, outstanding service while diligently striving to earn your business now and for many years to come.

So, whether you are a first-time home buyer, or the seasoned homeowner don't leave the largest transaction of your life to chance, call me today. Experience - Outstanding Service - Commitment to Excellence It's a winning combination; put it to work for you. Working together to make it happen!

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We are very Happy
We are exteremely happy with Michael. He was fast, efficient, accurate and delivered a great service. I would recommend him to my family, friends and business associates. Thanks
By kipono on May 20, 2011
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Unfortunately many Americans had to file bankcruptcy in recent years due to prolonged decline in our economy. FHA loans are most liberal programs today. A Chapter 7 bankruptcy (liquidation) does not disqualify a borrower from...
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The economics of any sale is straightforward: offer something to a buyer that is worth more to that buyer than what the buyer currently owns. The key is to discover what buyers value and what they are willing to pay. Consider...
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