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
Lauren C., Davidson
My Mortgage Consultant is Better than Yours!
Michael was Awesome! I was a first time home buyer who came in expecting to use my VA benefits. During the process I was unable to… so Michael quickly researched and found the product that work for me. He made the process smooth and as painless as possible all in a little more than 30 days. I had a lot of bumps along the way but he always took the time to walk me through each issue. He was very personable and responds promptly. I can honestly say that he did an exceptional job through the whole process of my loan and would recommend Michael to anyone.
Tracy S., Charlotte
Terrific Experience
As a first-time buyer, also going with the 203k rehab loan, I was clueless to the whole process. Michael was fantastic and walked us through every step, happily answered every question, and was always easily available. This made a possibly stressful situation a breeze!! Will be recommending him to everyone I know buying a home!!
D Edwards, Monroe
I'm a Veteran of 20 plus years and was looking to purchase my very first home using my VA Loan Benefit.
Michael assured me that not only was he comfortable with the VA Loan process, he was very knowledgeable. He made me aware of what to expect and why. I would say he added an element of care into the process which was encouraging in itself. I appreciate him making my dream a reality.
Zillow User, Charlotte
Look No Further!
It is with great pleasure and gratitude that we share our experience with Michael in the purchase of our first home. Words cannot describe how thankful we are to have found him. He is nothing short of excellence!
Michael’s extraordinary work ethic, extensive lender knowledge, and professionalism made our first home loan application process a breeze! Michael gave us the comfort and confidence we needed as first time home buyers. Not only did he make himself available at a moment’s notice but Michael made us feel as though we were his top priority. Never once did we feel like we were just another transaction. We highly recommend Michael Owens for your mortgage consulting needs.
Stephanie H., Huntersville
Michael is Awesome!
Throughout the whole process, Mike made all easy and worth it in the end. Very helpful and I like the fact he rather do the one on one interaction to show you what is needed. Trust me, this is the guy you want. He knows the ins and outs.
bdwayne, Charlotte
Best Experience I've Ever Had!
From the first conversation I had with Mr. Owens he was friendly, extremely knowledgeable and listened to my needs and concerns. I found myself shocked throughout the process at the number of times he contacted me to keep me up-to-date with the status of my application and to simply check-in with me. Rarely is there anyone offering customer service like this anymore! AND, my closing happened a week EARLY! Obviously, I can't say enough wonderful things about Michael. I'm very thankful for my realtor's recommendation to use him and will forever be grateful that he helped me purchase my dream home.
Kelly H., Davidson
Awesome Experience!
Michael did a great job with getting my loan approved and he was there every step of the way. I could literally call this guy at night and he'd pick up.
Justin P., Statesville
Highly Recommend!
Michael did an outstanding job with our mortgage. He guided us through the process every step of the way. He was pleasant to work with, clear, and very responsive. We’d highly recommend working with him.
Steve C., Huntersville
Completely Satisfied!
Michael helped me with the process of the purchase of my first home. Words can not begin to describe how satisfied I am with the service that Michael provided, he is professional, patient, knowledgeable, and available. He made this process extremely easy. If I had to do this process all over again, I would choose Michael.
Daniela C., Concord
Very Easy Process!
It was great working with Micheal, he made everything smooth and easy. During the entire process, I never once felt stressed out or overwhelmed. I would highly recommend Micheal to friends and family.
Roger M., Charlotte
About Michael
Choosing a mortgage consultant is as important as choosing a Realtor. You want someone with the knowledge and expertise to guide you through the mortgage process, someone you can trust with your most confidential financial information, and someone who always has your best interest at heart. I have always prided myself on offering exceptional customer service with a down-to-earth approach, and I believe that my extensive knowledge of the mortgage process - and its frequent changes - offers my clients a distinct advantage. My goal is to serve my clients professionally while making the mortgage process straight forward and understandable. Our clients may only think about home financing a few times during their life. We think about it every single day. It's your home and your future; it's our profession and our passion. My team looks forward to serving you and your real estate financing needs!
NC LIC# I-107861 | SC LIC# MLO - 90797
Reviews
10 Reviews
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05/20/2019
Nick from Salisbury , NC via Zillow
Michael was more than helpful througout the homebuying process. We were denyed by the builders preferred lender and could not get the builders towards the closing cost. Luckily Michael looks out for veterans and waives some fees. It really help us out.
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05/17/2019
Lauren Cravotta from Davidson , NC via Zillow
As first time home-buyers, my husband and I were a couple of deer in headlights. Michael was referred to us by our realtor and from Day 1 our experience with him has been fantastic. He is resourceful, quick to respond to questions or advice, and most importantly, makes the process easy and painless. We had a seamless closing experience on our first home and we could not be happier. My husband and I would definitely choose him again to assist us in any future home purchases! A big THANK YOU, Michael, if you read this - you are amazing!!!
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05/16/2019
villagran17 from Charlotte , NC via Zillow
I would like to begin by saying how happy I’m with my new house. I really need to thank the team that helped make it possible. A special thank you to Michael Owens. He did an amazing job and I can’t be more happy. Since day one he helped, assisted and taught me many things about buying a house. This is my first home to purchase, so I had zero experience. Michael explained every single detail to me throughout the process. I recommend him without hesitation. His professionalism and efficiency are going to help you get your dream house! He made the process simple and easy for me, and (to be honest) it was faster than it usually is. He did a great job. In fact, he is still helping and assisting me even after I've moved into my house. Don't hesitate to contact him. Thank you Michael Owens!
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05/07/2019
tlser1994 from Harrisburg , NC via Zillow
My husband and I thoroughly enjoyed working from Michael. This was the easiest home loan purchase we have ever experienced. We were really nervous at first because we had some bad experiences in the past and were looking to work with a different lender before being referred to Michael. From the first time we spoke, Michael made us feel comfortable and was so professional. He let us know up front what he would need to begin the process and how the process would go. My husband and I never felt like another sale to a lender but we felt like people who were making a huge decision and Michael eased all our worries. If we needed to get in touch with him, he responded right away. We never felt like we were alone in this process. Our loan closed within 30 days!!!!! We would highly recommend Michael to anyone!!!!
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04/26/2019
zuser201509151237031 from Charlotte , NC via Zillow
I thoroughly enjoyed working with Michael. He kept me in the loop with every step of the process, and was very quick in getting me a loan approval. I highly recommend working with him!
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08/31/2018
Bryatt Finger from Concord , NC via Zillow
Michael did an absolutely outstanding job. The process of purchasing a home is often long and stressful, but Michael made it painless! He was available any time I had a question. The initial quote that he gave me for my monthly payment came within $2 a month. He has an amazing team that he works with to make sure you will be taken care of. I highly recommend using Michael for your mortgage needs!
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08/22/2018
justin phllps from Statesville , NC via Zillow
Michael did a great job with getting my loan approved and he was there every step of the way. I could literally call this guy at night and he'd pick up.
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07/12/2018
Steve Crist from Huntersville , NC via Zillow
Michael did an outstanding job with our mortgage. He guided us through the process every step of the way. He was pleasant to work with, clear, and very responsive. We’d highly recommend working with him.
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07/10/2018
Kelly H. from Davidson , NC via Zillow
From the first conversation I had with Mr. Owens he was friendly, extremely knowledgeable and listened to my needs and concerns. I found myself shocked throughout the process at the number of times he contacted me to keep me up-to-date with the status of my application and to simply check-in with me. Rarely is there anyone offering customer service like this anymore! AND, my closing happened a week EARLY! Obviously, I can't say enough wonderful things about Michael and this company. I'm very thankful for my realtor's recommendation to use them and will forever be grateful that they helped me purchase my dream home.
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06/08/2018
Daniela cepero from Concord , NC via Zillow
Michael helped me with the process of the purchase of my first home. Words can not begin to describe how satisfied I am with the service that Michael provided, he is professional, patient, knowledgeable, and available. He made this process extremely easy. If I had to do this process all over again, I would choose Michael. You won’t be disappointed!!
Calculators
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Contact Michael
I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.
As first-time home-buyers, my husband and I were a couple of deer in headlights. Michael was referred to us by our realtor and from Day 1 our experience with him has been fantastic. He is resourceful, quick to respond to questions or advice, and most importantly, makes the process easy and painless. We had a seamless closing experience on our first home and we could not be happier. My husband and I would definitely choose him again to assist us in any future home purchases! A big THANK YOU, Michael, if you read this - you are amazing!