OVER 1 BILLION IN CLOSED LOANS

Your hometown mortgage experts!

Most people find that mortgage financing is complicated and confusing. I help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.

First-Time Home Buyers

Buying your first home? We offer the guidance you need to get started.

Mortgage Walkthrough Guide

Get educated! Learn exactly what occurs in every step throughout the mortgage process.

Mortgage Calculator

How much can you afford? What does that monthly payment look like? Find out here.

Home Loan Options

We’re here to help you figure out which mortgage best fits your unique financial picture.

Check Your HomeValue

Get a quick, personalized estimate of your home’s value and equity.

Meet Michael

Senior Loan Officer // NMLS #237295
CA Department of Real Estate #01322530
Pacific Bay Lending – CA Department of Real Estate License #01874818

Elevating Bay Area Dreams: 23 Years of Mortgage Mastery

For more than 23 years, I’ve had the privilege of helping people across the Bay Area turn the dream of owning a home into reality. Along the way, I’ve closed over a billion dollars in loans — but for me, it’s never been about the numbers. It’s about the families getting their keys, the first-time buyers taking that leap, and the investors building a stronger future.

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Get started by using one of our FREE tools!

Why work with us?

  • 23+ Years of Experience
    Trusted mortgage expertise with over $1 billion in closed loans across the Bay Area.
  • Fast Closings That Win Offers
    Purchase loans can close in as little as 9–12 days in competitive markets.
  • Personalized Loan Solutions
    Every mortgage is tailored to your goals — never a one-size-fits-all approach.
  • Honest, Clear Guidance
    Straightforward advice, transparent communication, and no pressure.
  • Local Knowledge + Modern Technology
    Deep Bay Area insight combined with the latest tools for a smooth, stress-free process.

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How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.

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2

Appraisal

The appraisal ensures the home you are buying is worth the price that is being offered.

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3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic.

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4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions.

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5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met.

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6

Closing

Signing the final documentation and receiving the keys to your new home!

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What My Clients Say

“
Soha JafarzadeReach150 Reviews

“Working with Mike was an amazing experience. This is our second home purchase and it was night and day in terms of the support Mike gave us. This was not just with things under his purview, but helpful recommendations as well. We will be recommending Mike to anybody we know who is going through a purchase.”

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Sean HilerReach150 Reviews

“As a first time homebuyer for a conventional loan, I had done extensive research to find the right home for me. I work in a white glove industry, which makes me particular about the team I choose to work with, as I prefer to learn all along the way.
Mike was recommended due to his ability...”

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Ken EbanksReach150 Reviews

“We’ve worked with Mike for 20 years and he’s a true professional - on top of every detail, always looking out for his clients and generally making things super easy. He’s also a great person - trustworthy, personable and caring. Always a pleasure to work with Mike.”

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Erik StaabReach150 Reviews

“Working with Mike was a fantastic experience from start to finish. He moved with incredible speed and efficiency, expertly navigating us through his famous 12-day closing period. Mike took the time to thoroughly explain every step of the process, which gave us a great deal of confidence and clarity...”

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Patrick BarryReach150 Reviews

“Michael was a huge help in getting us through the process of buying our home in San Francisco. He was efficient and responsive, but also patient in explaining things clearly when we had questions. We always felt like he was on top of the details, which made what could have been a stressful process feel much easier...”