Your Road to Home Starts With Mortgage Mike
Helping first-time homebuyers, families, and homeowners get approved with confidence
Meet Mortgage Mike
Michael Garcia | NMLS #2343952
Hi, I’m Mike, a licensed mortgage loan officer helping first-time homebuyers and families across Florida get pre-approved with confidence.
Whether you’re buying your first home, exploring down payment assistance, or looking to refinance your mortgage, I make the loan process simple, stress-free, and tailored to your goals.
I specialize in FHA, VA, and conventional home mortgage loans, and I provide honest numbers, clear answers, and a game plan you can trust.
Outside of work, I’m a husband, proud dad, drone hobbyist, and backyard grill master.
Call or text me anytime. I’m here to help you move forward.
Which Financing Option Is Right for You?
Primary Mortgage Loans
Conventional
Ideal for buyers with good credit and stable income. These low-down-payment loans offer predictable rates and reliable approval timelines. Great for first-time and repeat buyers.
FHA
Perfect for first-time buyers or anyone with limited savings or lower credit. FHA loans offer low down payment options and more lenient qualification guidelines.
VA Elite
If you've served, this is one of the best loan options out there.
Zero down. No monthly mortgage insurance. Competitive rates.
Works well for: Veterans, active-duty service members, and surviving spouses.
USDA
Provides 100 percent financing for homes in eligible rural and suburban areas. USDA loans are ideal for moderate-income buyers seeking an affordable path to homeownership.
HELOC
Use your home’s equity without refinancing your current mortgage. A HELOC gives you flexible access to funds for home improvements, debt consolidation, or large expenses.
Refinance
Refinancing can help you lower your monthly payment, access your home’s equity, or remove mortgage insurance. Whether you're trying to save money or fund a big goal, I’ll walk you through your options and help you choose the right loan for your future.
Common Non-QM programs
Flexible loans for buyers who don’t qualify the traditional way. Great for self-employed, investors, or unique income situations.
DSCR Investor Loans
No tax returns. No W-2s.
We qualify based on the property’s rental income, not your job history.
Works well for: Real estate investors and business owners.
Bank Statement Loan
Self-employed? No problem.
We’ll use your last 12 to 24 months of business or personal bank statements to qualify.
Works well for: Entrepreneurs, freelancers and 1099 earners.
Asset-Based Loans
No Income/No Job? No Problem!
Use your savings, investments, or retirement funds to qualify.
Works well for: Retirees, high-net-worth clients, or anyone with strong assets but limited income.
Disclaimer: Loan eligibility and approval are subject to underwriting guidelines, program requirements, and credit approval. VA, FHA, and USDA loans are government-backed but not issued directly by the government. Not all applicants will qualify.
