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!
Why we should work together
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.
Errick A., CA
I have known Michael since junior high, and when my husband and I were in a place to prequalify for a loan and start to look for our first home, I knew that Michael was our go to guy. He is not only personable, but extremely helpful. Throughout this process, he was always available to help us with questions and ensured that we were well taken care of. Michael was always professional, consistent, and worked extremely hard to get me and my husband what we needed .We are truly grateful for the experience we had with Michael, and 100% recommend him to anyone who is looking for a loan.
Lauren N., CA
Michael is amazing. He is hard working and will go the extra mile to help you get you into your new home. Thank you Michael for all you did to get us into our first home. We couldn't of done it without you!
Mari D., CA
This guy is hands down the best in his field. I had no idea what I was doing but he went above and beyond to inform me and get me the best possible result for my wife and I. Nothing but praise for mike. Highly recommended.
Mitch N., CA
CA LIC# CA-DBO1573007
Mortgage Education Videos
DSC from El Cajon , CA via Zillow
Easy process, easy going, easy everything. Would definitely use again! Michael and his team know what they are doing and will get you the best possible rate. They were quick to answer questions even at odd hours.
Anne Gardner from San Diego , CA via Zillow
If you're going to buy a new home or refinance, Michael and his team at loanDepot are your people! Not only is the team excellent, but the online portal makes uploading documents and communication quick and easy. The team themselves are knowledgeable, experienced, professional and helpful. Michael deserves an award for his customer service as we threw a million questions at him and he always took extra time to discuss answers thoroughly, showing his depth of knowledge and his dedication to the client. Not only this, Michael took the time to understand our overall real estate and financial goals so that we could make the best decisions. We never felt rushed or pressured and the process, even during COVID, was smooth. In fact, the best part is that the whole team are all-stars who treat you like VIP's. Lastly, the loanDepot lifetime guarantee is a pretty sweet deal if we ever decide to refinance again! Great company, great people, highly satisfied clients!
Melissa Straus from Temecula , CA via Zillow
We were referred to Michael and his team by our real estate agent. They worked closely together and their relationship allowed our loan process to go more smoothly. Michael was extremely helpful throughout the process. I felt that Michael really cared about our family and ensuring that our loan funded. Michael was always available to answer my many questions even after work hours and provided good guidance. I have worked with other lenders in the past but this was the smoothest and fastest experience. Thank you for helping us get into our dream house!
ripkavlad from San Diego , CA via Zillow
Mike is very helpful and happy to answer any questions during virtually anytime of the day. He took his time to go over many different options to find the one that fits me best. I'd highly recommend.
Allan Malolot from Chula Vista , CA via Zillow
Michael and the team was referred by our agent when we started our house buying adventure. The team is extremely helpful with the process. Even after hours I was able to reach for any questions that came up and responded promptly. The process was stress free from day 1 until we received the key, they made sure of it. We were able to purchase the home we wanted at a great rate as first-time home buyer. I highly recommend the team! Thank you Michael and team.
user4409606 from Santee , CA via Zillow
Michael was referred to us by a member of our family who had worked with him for their home refinance. We had originally begun the refinance process online through Lending Tree but began to feel uncomfortable with the barrage of emails and aggressive phone calls we were receiving from many lenders with different loan types. I finally called Michael and he explained everything thoroughly and in simple terms. They use a fantastic online portal that makes everything so easy! We received a low-interest rate and were able to take additional cash out of our home for remodeling purposes. The process went a lot faster than expected and Michael and his team kept us informed every step of the way. I will be recommending Loan Depot and Michael to everyone I know and will absolutely use them again if I ever need another loan!
Luke Andersen from El Cajon , CA via Zillow
My wife and I used Michael and his team to buy our first home. I feel like Michael is a long time friend even though I've only known him a matter of months. He made the intimidating home buying process extremely simple and even fun! That's something that you never hear. His team emanates trust and transparency. If you're looking for a lender... stop. You've found the one.
J.Gehrke from Chula Vista , CA via Zillow
Michael and his team are incredibly knowledgeable and always happy to assist. If there’s any question throughout the process, ask away and Michael WILL find you an answer to help you navigate this process. He is diligent, responsive, and is willing to go the extra mile to make this process as seamless as possible. I will absolutely recommend Michael and his team to anyone looking to secure a loan! The only reason we didn’t close on time is all the stress on the team and limitations during the COVID-19 pandemic. It would have been a guarantee close on time had these been normal circumstances.
dolivera ucsd from San Diego , CA via Zillow
I have to say by far the best purchase experience I have ever had. I have purchased several properties and have never had an experience like this one. I reached out to Mike in a panic and he took care of me immediately. I would not have gotten the amazing rate nor the home I recently closed on if it wasn’t for him. Truly appreciate the professionalism and communication his entire team has. Probably the smoothest, most transparent and worry free transaction I have ever experienced. Mike and the Loan Depot team have my business for life and I am referring all my friends and family over to him.
pattyleming from Bonita , CA via Zillow
Michael is absolutely the best! I've bought a few homes but I've never met a more professional, caring, and efficient mortgage professional. He and his team were there every step of the way and made the process so easy and stress-free. I would absolutely work with Michael again and have already recommended him to family and friends. Thank you, Michael!
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.
Michael B. StowersLa Mesa Branch
I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.