With over 17 years of experience in the mortgage industry, I created SeaCliff Mortgage in 2012 to help customers with home purchases, reverse mortgages, debt consolidation, refinancing, and more.
My passion is to provide individual attention to each person I work with so that they have a positive experience and receive the best results possible. In fact, (unlike large corporations) clients can access me 24/7 with their questions and concerns!
Over my career, I have funded thousands of loans with all types of special circumstances and challenges with a serious commitment to this industry as a member of the California Association of Mortgage Professionals. And unlike others, I have passed the appropriate real estate and NMLS exams and constantly keep up with the latest updates, news and industry insights.
Happily married for 30 years to my wife Laurie, we have two, wonderful children. Our son graduated from the University of Houston and has been teaching English in Spain for the last two years. Our daughter attends Fullerton University. As an avid tennis player, I compete in several tournaments per year with the Orange County Gran Prix, Adoption Guild, Queen of Hearts, and local club events.
In addition, I enjoy skiing (having spent three years in Steamboat Springs prior to starting a family), RVing, boating and hanging out with family, friends and our dog, D.J., in Havasu Springs. When not working with clients and time permits, you’ll find me visiting the great wineries in Paso Robles!
Michael has 26 years experience in the financial and mortgage lending industry. As a licensed broker and mortgage lending professional Michael has become one of the most successful originators in the country. He has closed over 1,600 loans and surpassed 660,000,000 million in residential loans since 1988.
The principle with which he measures his success in the service arena is one he likes to call the "Wow Factor". His sole objective as a lending professional is to "Wow" his clients with unexpected service and professionalism.
This level of commitment has made him one of the top loan executives in California. Whether for a five million dollar loan or a FHA government loan for someone's first home, more Realtors, financial planners, business managers and borrowers bring their home financing needs to Michael and SeaCliff Mortgage than anyone else in the area. They come to Michael and SeaCliff for one main reason.... Results!
Away from the office, Michael enjoys spending time with his wife Erin and three children, Dustin, Tiffany and Dean. As a Southern California native Michael enjoys the outdoor lifestyle his many activities include surfing, golfing, tennis, basketball and attending sporting events. He also loves animals, especially his Boston bull terrier, Bruno. Michael and Erin enjoy watching movies and making new friends. So, for your next real estate transaction call Michael and your friends at SeaCliff.
I obtained my real estate license in 2003 and migrated to lending several years ago. I pride myself in staying on top of all the programs and guidelines in lending today to best serve my clients. I work closely with realtors, financial planners, business associates, friends, family and client referrals. I find the right loan program to fit each individual’s needs with a refinance, purchase, debt consolidation or reverse mortgage. I understand that referrals drive my business and work hard to satisfy my clients so they pass on my name. I look forward to hearing from you.
Married, mother of three wonderful daughters, we spend time off road racing and camping all over southern California. We enjoy the coastal lifestyle living near the beach, being outside bicycling or taking in some good food or shops in Pacific City.
I’ve been working in lending for over the past 15 years and enjoy working in the broker arena since we can offer a vast number of programs to fit any borrower’s needs.
Whether it be VA, FHA, Conventional, Jumbo, or a Reverse Mortgage, we have a loan program for everyone. I am fluent in Spanish and enjoy building relationships with my clients so that they know I’m someone they can count on to get the job done.
With three boys, my wife and I stay busy with family and friends. Shuffling the boys to sporting events or going camping for a few days, we are always doing something in our spare time.
Licensed in real estate for over thirty years and lending for the past 20 I've seen lots of changes and gained plenty of experience. I have the patience to get the job done and will be there to answer your questions throughout a purchase, refinance or reverse mortgage loan. My clients know that they can count on me from start to finish to be on top of all the details to get their loan funded. I look forward to hearing from you soon.
I’m an avid golfer and tennis player who loves the outdoors and time with my wife. I’ve lived in Southern California most all my life and wouldn’t live anywhere else.
As a processor, I have to be completely organized with all of today's regulations. I am in charge of working on a loan file from the very beginning up to the point of funding. I am responsible for organizing the data needed to submit to the many different banks that we work with. I work diligently with the underwriter all the way to funding. I have experience in calculating income, clearing title, and reviewing appraisals.
I have extensive experience with Portfolio, A Paper, FHA,VA, Reverse and Fannie, Freddie and HARP programs. I successfully communicate with our loan officers, escrow and title companies handling various processing issues and problem solving. I am used to working in a fast paced environment, and have the ability to multi-task and prioritize our daily workload while delivering complete, accurate and quality work on multiple files in our pipeline. We will get your loan funded and closed on time!
Having been self-employed most of my life, I am very well versed in business development. I successfully built an interior landscape company before transitioning into real estate and finance several years ago. I'm the hands-on person assisting the entire staff with marketing materials, direct mailer programs, assistance and branding to make sure Seacliff Mortgage is the best it can be.
I enjoy tennis, traveling with my family in our RV and time with our Labrador Retriever.