Our Process
What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Client Testimonials
Why we should work together
About Michael
As your trusted loanDepot loan officer, I will walk you through every step of the loan process and support you from pre-approval through your closing date. This website will be a useful resource for you throughout your loan process and provides many tools for you to utilize to ensure this is a stress-free experience. Whether you are a first time home buyer or seasoned buyer, you can trust me and my team with all of your home financing needs. Don’t hesitate to reach out using the direct contact information located on this page. I appreciate your business and look forward to working with you!
CA LIC# CA-DBO1573007
CA LIC# CA-DBO1573007
Mortgage Education Videos
Reviews
10 Reviews
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07/02/2020
user19682514 from El Cajon , CA via Zillow
Michael was extremely professional and knowledgeable. He helped us out every step of the refi. He was prompt to return phone calls and emails. I highly recommend Michael
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06/13/2020
Rudy A from Escondido , CA via Zillow
Mike and his team went above and beyond to secure our mortgage loan. My family had a less than traditional financial structure and Mike and Brenda were able to navigate the difficulties and guide us to a successful transaction, with a great interest rate. Would highly recommend them to any friends/family in their journey to buy a home. Thank you Mike, Brenda and the Mortgage Depot team!
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06/11/2020
zuser201512201432209 from Bellflower , CA via Zillow
This was my 6th time going through a home loan and 3rd refinance. It was the easiest I have ever had to complete. Michael was awesome! He was up front and very clear on all key numbers, variables, and requirements. On top of that he kept looking into added opportunities to reduce my costs. He was able to also help me find solutions to areas that I had no knowledge on like insurance. The additional team members that Michael connected me to process the loan like Brenda and Jolene were also fantastic. Overall I would highly recommend Michael and Loan Depot they were very proactive and worked to complete my loan quickly, while using all technology that we could use considering a challenging time with COVID 19.
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06/10/2020
Jason Yncera from El Cajon , CA via Zillow
Michael was patient with me throughout the whole process. He was happy to explain in detail any questions I had and review anything when I needed. He made himself readily available and was responsive to all my inquiries.
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06/10/2020
zuser201607241825258 from San Diego , CA via Zillow
Thank you to Mike and the whole team. Awesome experience from beginning to end. Took us through the process and explained every step of the way. Thanks Mike
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06/05/2020
J Peters from San Diego , CA via Zillow
I highly recommended Michael Stowers . Closed in 21 days. Got the best rate and fees. I am the type that checks everything and all was legit. Easy to get a hold of.
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03/15/2019
Anthony D'Angelo from El Cajon , CA via Zillow
I've done multiple loans with Michael and he never seems to surprise me on his ability to get things done. My loan was resuscitated multiple times, I thought we weren't going to get it funded and long and behold Michael and his team got everything squared away and taken care of, especially during these crazy times! I HIGHLY recommend using Michael, if you don't, you're doing yourself a disservice!
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05/15/2020
Dan from San Diego , CA via Zillow
Michael was very professional and prompt in his communication, and the process was painless. He clearly demonstrated that he cares about his customers, and he works hard to make sure that expectations are met or exceeded. I would definately recommend him.
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05/11/2020
Monica Reyes from San Diego , CA via Zillow
Michael was extremely helpful and responsive to us throughout the entire process! He thoroughly answered any questions we had, demonstrated that he always had our best interest, and accomplished everything quickly and with ease. He is also super personable. We appreciated his guidance in buying our first home especially during a pandemic!
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05/06/2020
Paul Padilla from San Diego , CA via Zillow
Michael did a fantastic job handling our transaction! He really cares about his clients and goes to bat for them when finding the best rates and getting things done. As a Realtor, I appreciate Michael’s communication and how well he conducts himself not only before escrow, but during as well. I’ve seen so many transactions where the lender is unresponsive, doesn’t keep me posted on updates and sees their client as just a number: but Michael is the COMPLETE opposite of this! He explains everything thoroughly to his clients and it is just a pleasure to work with him during escrow. Even during these hectic times of COVID-19, we were able to pull off a 21 day escrow! I can’t thank him enough, you’re the best!
Calculators
Calculate your payment
Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.
Use this mortgage loan calculator to generate a mortgage estimate. Press the "Calculate" button to find out.
Use this mortgage loan calculator to generate a savings estimate. Press the "Calculate" button to find out.
Contact Michael
Michael was extremely helpful and quick about getting us pre-qualified for the home we wanted. He had the lowest lender fees of all the companies we shopped and offered discounted re-financing in the future.