Michael Gayda

Navigating today's lending environment has become more complex than ever before. Regulations and guidelines are constantly changing, so finding an expert to guide you through this process is key. My team and I are excited to be that resource for you! Having personally helped thousands of clients during the past 20+ years has allowed us to develop a 3 Point system that will make your home financing experience a great one. 1. Communication: This is where everything starts and finishes! We believe that you should know what's going on and where you're at in the mortgage process. We have scheduled updates to keep all parties informed as progress is being made. From application through closing, you will be kept in the loop. 2. Industry Knowledge & Expertise: We work hard to be the best at what we do! Certifications and continuous training are part of that, but we also focus on being aware of upcoming trends and changes that are relevant to our field. Anyone can offer a mortgage, we offer insight, advice, and proven strategies along with it. 3. Tools & Technology: There are many mortgage types available today. We offer most of them and are able to pair them up with a large number of options that can be customized to fit your situation. We offer Extended Rate Locks, flexible Mortgage Insurance options, and Rate Lock Float Downs, to name a few. We also believe in leveraging technology to provide you with the access you desire. E-signatures, video communication, mobile apps, and interactive outlines, are all part of how we put technology to work for you. We recognize that everyone's situation is unique; New Construction differs from renovating an existing home. Buying your first home is often different than third or fourth. We "get it" and are excited to work with you. My staff and I are well versed in the following Residential Lending options: First Time Homebuyer Loans Jumbo Conventional FHA VA USDA Renovation Loans