If you're looking, I'm working. Same-day pre-approvals, direct communication for you and your Realtor, and a loan built to put you in the best financial position now and over the life of the home.
“Hands-down the best. Caring, communicative, and have great options.”
America's #1 retail mortgage lender three years running. Funding 1 in every 35 U.S. home purchases.
CCM's scale is the engine. How I run your file is the steering. Four things change on every deal I touch.
No broker middle layer. Underwriting, processing, and closing all live inside CCM, so we resolve a condition in hours, not days. Same-day pre-approvals on complete files.
I personally structure and underwrite the file upfront. If something will fail — reserves, DTI, condo warrantability, post-Ian insurance — you hear it from me on day one, not three days before closing.
120+ products under one roof: conventional, FHA, VA, jumbo to $5M+, bank statement, P&L-only, asset-based, HELOC, condo portfolio, non-warrantable. If a structure exists in the market, I likely have it.
One name on the file from pre-approval to clear-to-close. Mine. No bait-and-switch handoff to a call-center processor in another time zone. One accountable point of contact.
Today's market doesn't reward the highest bidder. It rewards the cleanest offer. My job is to put you in the strongest position the moment you decide on a house, and the best financial position long after you close on it.
Same-day pre-approvals on complete files. Daily pricing review so the number on your letter is the number you can actually defend at the offer table. Not a placeholder we'll quietly walk back.
Most files close in 21 to 30 days. Clean, calm, no fire drills. When the contract calls for faster, I've taken a clean file from application to keys in as few as 8 days. We set an honest schedule day one, and we hold it. 7-day loan commitment available with appraisal.
No call queues. No 12-person handoff. You and your agent talk to me, every step. Same number from the first call to the closing table. Real updates, the week the question lands.
The cleanest offer at the table is rarely the highest bid. It's the one structured to clear underwriting, hold the appraisal, and leave you in the strongest financial position over the life of the loan. Not just at the closing table. I do what I say I'm going to do. I close early or on time. My preapproval is my word, and my reputation speaks for itself.
"Mike and his team get our client referrals and just closed an amazing deal for me personally. Being in real estate, I have worked with several lenders, but he and his team are hands-down the best. Caring, communicative, and have great options."
"Mike did a fantastic job helping us buy our new home. He was incredibly knowledgeable and responsive. I highly recommend him and his team."
"Mike made navigating the mortgage process easy. He was very timely in responding to messages and emails. He took his time explaining what was going on from the initial application through closing."
"Michael and his team were phenomenal. They were very kind and patient with us. They kept us informed through every step of the loan process and gently nudged us when we needed it."
"Thank you so much for taking great care of us. You and your team are world class, and I appreciate the relationship both professionally and personally."
"I had an excellent experience working with Michael throughout my loan process. From start to finish, he was professional, knowledgeable, and always available."
Three questions. No SSN, no phone, no email. You'll see a real price range and a realistic monthly payment instantly. Want me to tighten the number? That comes after.
Conventional, FHA, VA. For first homes, move-ups, and second homes on the coast.
Learn more →Low down-payment programs, credit guidance, and a walkthrough of every closing cost. No surprises.
Learn more →Lower the rate, change the term, or pull equity. I'll only suggest it if the math actually works for you.
Learn more →Use your equity for renovations, debt consolidation, or a second property, without losing your low first rate.
Learn more →Boca Grande, Casey Key, Siesta Key, Burnt Store. Up to $5M+ with relationship pricing where it makes sense.
Learn more →Bank statement programs, P&L-only, and asset-based options for business owners and 1099 earners.
Learn more →
A Punta Gorda Isles sailboat-water canal home prices differently from a Port Charlotte inland ranch, from a Sarasota walkable downtown condo, from a North Port new-build, from a Burnt Store Marina waterfront condo. I'll tell you what a payment actually looks like in your ZIP, with real insurance, real flood, real HOA. Not a national average.
Your first call and your closing day are with the same person. I lead every file personally, from the first numbers run to clear-to-close, and the line you used to ask the first question is the same line that answers the last one.
Co-branded marketing, same-day pre-approvals on complete files, and weekly status updates without you chasing me. I work for your buyer like they're my own.
Realistic Southwest Florida defaults pre-loaded. Drag the sliders to see how the numbers move.
Four questions, 60 seconds. No credit pull. You'll get a real number and a call from me. Not a robot.
Get my range →Direct to me. We'll talk numbers, timeline, and what the next 30 days look like.
