Aerial view of Florida neighborhood at sunset

I'm Mortgage Mike.

Helping Florida Families Find Their Way Home

Q: Do I really need 20% down?

No. FHA starts at 3.5%, Conventional at 3%. Plus there are DPA programs that can cover most or all of your down payment.

Q: What areas do you serve?

Licensed in Florida statewide. Most clients are in Orange, Lake, Osceola, Seminole, and Polk counties.

I help first-time buyers understand exactly what they can afford. Down payment, monthly costs, and loan options. No confusing jargon. No pressure. Just a real conversation about your numbers.

Am I Ready to Buy? → Talk to Mike

Ready to Apply? Start Here →

★★★★★ 5.0 on Google · Trusted by Florida families English & Spanish support available

Know Your Real Budget

Exact numbers on what you qualify for

Understand Your Options

FHA, Conventional, VA, DPA explained simply

Move Forward With Confidence

Clear next steps, no guesswork

What You Get Working With Me

Clarity on Your Numbers

Know your purchase price range, monthly payment, and cash-to-close before you start looking at homes.

The Right Loan for Your Situation

FHA, Conventional, VA, DSCR, or DPA. I match you to the best program for your situation, not mine.

A Guide Who Speaks Your Language

No jargon, no pressure, no judgment. Bilingual support available. I explain everything in plain terms.

Find out where you stand

About Michael

I'm Michael Garcia, but most people call me Mortgage Mike. I help homebuyers across Florida get clear on their numbers and confident about their next move.

My approach is simple: we sit down (or hop on a call), look at your income, debts, credit, and savings, and I tell you exactly where you stand. What you can afford, which loan programs fit, and what to do next. No jargon, no runaround.

I'm a UCF graduate, born and raised in Central Florida. First-generation homeownership runs in my family, so I get how big this is. When I'm not running numbers, I'm probably grilling something, flying my drone, or having a meltdown watching my Chicago Bears or Cubs. Dad, husband, and a proud Florida neighbor.

Learn more about me →

¿Comprar casa en Florida?

Estoy aquí para ayudarte. Te explico el proceso paso a paso, sin presión y sin complicaciones. Hablamos en tu idioma.

Hablemos →

What My Clients Say

5.0 ★★★★★ on Google

"He patiently answered all my questions and we came in under budget with money to spare." "As a first-time homebuyer, working with Michael was an absolute blessing. He patiently answered all my questions and thoroughly explained every loan option available. No matter the time or day, he always made time for my inquiries. We had a specific target for our closing costs, and thanks to his expertise, we came in under budget with money to spare. Michael kept me informed through every twist and turn of the market and ensured we locked in the best possible interest rate. I'll definitely be recommending his services to all my friends!"

"As a first-time homebuyer, working with Michael was an absolute blessing. He patiently answered all my questions and thoroughly explained every loan option available. No matter the time or day, he always made time for my inquiries. We had a specific target for our closing costs, and thanks to his expertise, we came in under budget with money to spare. Michael kept me informed through every twist and turn of the market and ensured we locked in the best possible interest rate. I'll definitely be recommending his services to all my friends!"

Jane McDaniel

Google Review

"Mike is so chill and friendly he makes you feel like family right away. Zero money down." "Working with our loan officer Michael Garcia was awesome. Mike is so chill and friendly he makes you feel like family right away. He helped us get our home literally with zero money down. He was with us every step of the way, promptly answering every text and call that I made at any time any day. So thankful to Mike and his team for all the help. For making our first time home buying experience easy and stress free. If you're in need of a loan officer he's your guy! Recommended 100%"

"Working with our loan officer Michael Garcia was awesome. Mike is so chill and friendly he makes you feel like family right away. He helped us get our home literally with zero money down. He was with us every step of the way, promptly answering every text and call that I made at any time any day. So thankful to Mike and his team for all the help. For making our first time home buying experience easy and stress free. If you're in need of a loan officer he's your guy! Recommended 100%"

Tomas Salinas

Google Review

"Michael went above and beyond to make our dreams of having our first investment property come true." "Michael Garcia was extraordinary went above and beyond to make our dreams of having our first investment property come true. He was always available no matter time and day and always willing to help and answer questions, the process was smooth compared with other lenders i worked with before. Michael i can't express how grateful we are with your service thank you so much for everything and im looking forward to work with you in future deals."

"Michael Garcia was extraordinary went above and beyond to make our dreams of having our first investment property come true. He was always available no matter time and day and always willing to help and answer questions, the process was smooth compared with other lenders i worked with before. Michael i can't express how grateful we are with your service thank you so much for everything and im looking forward to work with you in future deals."

Ariana "Aria" Hernandez

Google Review

Real Situations. Real Solutions.

You're not the first person in your situation. Here's how I've helped others.

Bankruptcy doesn't mean you're done. FHA and Conventional loans have waiting periods—often 2 years from discharge for Chapter 7. We'll confirm your discharge date, review your credit rebuild, and get you on a path to approval. Many of my clients buy within 2–3 years of bankruptcy.

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Bank statement loans use 12–24 months of your business or personal deposits instead of W2s. You keep your write-offs and still qualify. I work with plenty of 1099 contractors, business owners, and gig workers who've been told no elsewhere.

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Debt-to-income (DTI) matters, but it's not a dealbreaker. We'll look at your full picture—income, debts, and the loan program that fits. Income-driven repayment on student loans can lower your calculated payment. Let's run the numbers.

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FHA starts at 3.5% down. Conventional can go as low as 3%. Plus there are down payment assistance programs—grants, forgivable loans, and matching funds—that can cover most or all of your down payment. I'll match you to what you qualify for.

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DSCR loans qualify you on the property's rental income, not your personal income. No W2s, no tax returns, no pay stubs. If the numbers work for the property, you can get financing. Perfect for building a portfolio.

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Loan Programs That Fit Your Life

From first-time buyers to seasoned investors, I've got a program for you.

FHA Loans (3.5% Down)

Ideal for first-time buyers with moderate credit and limited savings.

Conventional Loans (3–5% Down)

Strong option for buyers with higher credit scores.

VA Loans (Zero Down)

For eligible veterans. Zero down payment required.

Down Payment Assistance

Grants, forgivable loans, and repayable programs to bridge the gap.

Home Equity & HELOC

Already own a home? Use your equity for renovations, debt consolidation, or major expenses.

Explore options →

See All Loan Options →

See what you can afford.

Adjust the numbers. No login, no credit check.

Loan type

Home price

Down payment

$12,250

Loan term

Interest rate

Rates change daily. This is an estimate.

$2,859

Estimated Monthly Payment

Principal & Interest $2,229

Est. Property Tax $350

Est. Homeowner's Insurance $125

FHA Monthly MIP $155

Includes financed UFMIP of $5,911

FHA MIP is required for the life of the loan on most FHA loans.

P&I Tax Insurance MI

Want the real numbers? Book a free call.

Full calculator with more options →

Already have a loan estimate?

Send it over. I'll review your rate, fees, and terms for free and let you know if you're getting a good deal.

Get a Free Second Opinion →

Two Paths Forward

Without a Plan

Keep scrolling Zillow with no idea what you can afford
Miss out on DPA programs you didn't know existed
Waste time with lenders who just quote rates
Stay stuck in the "maybe someday" cycle

With Mortgage Mike

Know your exact budget and loan options within 48 hours
Access every down payment program available in Florida
Get a step-by-step game plan tailored to your situation
Start touring homes with confidence and a real pre-approval

Get Your Game Plan → Book a Call

Your Questions, Answered

What's included in a mortgage payment?

Four things: principal, interest, property taxes, and homeowner's insurance. If you put less than 20% down, mortgage insurance gets added too. I break all of this down for you during your strategy session so there are no surprises.

Do I really need 20% down?

No. FHA starts at 3.5%, Conventional at 3%. Plus there are down payment assistance programs that can cover most or all of your down payment. Many of my clients buy with less than $5,000 out of pocket.

What credit score do I need?

Programs start at 580 for FHA and 620 for Conventional. If you're not quite there, I'll build a credit improvement plan with clear steps and a timeline.

How long does the pre-approval process take?

Most clients get their full strategy session and pre-approval within 48 hours of submitting their documents. I also put together a free First-Time Homebuyer Guide you can download here.

Do you charge for the initial consultation?

No. The strategy session is completely free with no obligation. We'll review your numbers and you'll leave with a clear plan.

What areas do you serve?

I'm licensed in Florida and work with clients statewide. Most of my clients are in Orange, Lake, Osceola, Seminole, and Polk counties, but I help buyers all across the state.

Want to prep before we talk?

Download the free First-Time Homebuyer Guide →

Ready to Find Out What You Can Afford?

Not sure where to start?

Take a quick assessment and I'll reach out with a plan.

See What I Qualify For →

Want to talk it through?

Book a free 30-minute call with Mike.

Talk to Mike

Ready to apply?

Already talked to me or been referred? Start here.

Start My Application →

Or call/text Michael directly: (407) 398-5788