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
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
Mortgage Education Videos
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
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
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!