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Michael Stowers

Loan Consultant

NMLS # 1573007

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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!

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CA LIC# CA-DBO1573007

  • 7777 Alvarado Rd Ste 701
    La Mesa, CA 91942
  • (619) 928-0116
  • (602) 648-4576
  • Email Me MBStowers@loandepot.com
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Here's what my clients are saying...

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

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Michael Stowers
Loan Consultant
NMLS # 1573007
MBStowers@loandepot.com
Phone
(619) 928-0116
Email
Email Me
Address
7777 Alvarado Rd Ste 701
La Mesa, CA 91942

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To view legal disclosures and important notices, please click the following: Lifetime Guarantee Disclaimers Rate Assumptions

loanDepot Lifetime Guarantee ("Guarantee")  —  Subject to the conditions and contact requirements outlined below, the Guarantee applies to the refinancing of an outstanding loan originated by loanDepot that is secured by the same property upon which that borrower previously received from loanDepot a loan and “loanDepot Lifetime Guarantee” certificate.  The Guarantee is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs, down payment assistance programs or personal loans (i.e., loans that are not secured by the property). The Guarantee also does not apply to loans applied for through third parties (e.g., Lending Tree) or originated through loanDepot’s Wholesale division.  The Guarantee may only be used by submitting an application directly to loanDepot.


For Guarantees issued on or after January 1, 2019, the Guarantee may not be redeemed within 12 calendar months of the Date Issued. The ability to redeem the Guarantee in part or in whole also is subject to future changes in Federal or state law, or investor or guarantor restrictions on refinancing the existing loan.  loanDepot cannot guarantee that the borrower will be approved for a future loan, the interest rate for a future loan, or the future appraised value of the home.  The borrower’s ability to qualify for a future loan will be subject to the loan program terms and conditions available at that time.  For future loans meeting the above requirements and which are successfully closed, the appraisal fee will be reimbursed at the closing of the loan transaction and no lender fees will be charged. “Lender fees” do not include discount points associated with the loan transaction.  “Appraisal fee” includes only the fee associated with the first appraisal on the loan transaction and does not include any ancillary appraisal fees that may be charged in connection with the loan transaction (e.g., second appraisal fee, appraisal re-inspection fee, appraisal recertification fee, etc.). Terms and conditions are subject to change without notice.


Future applicants must contact loanDepot directly via the website: www.loandepot.com/MyGuarantee or via telephone (877-395-7381) to qualify for the Guarantee. Applying for a loanDepot loan indirectly through a third party (e.g., LendingTree) makes the borrower ineligible for this Guarantee.

Testimonial disclosure — Compensation was not paid in exchange for any testimonial on this site. Individuals pictured may not be that of the endorsers and is for display purposes only.

Rate Assumptions — Rates displayed are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Please contact one of our Licensed Lending Officers at (888) 983-3240 for a customized rate and payment quote.

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