Welcome to my website. I look forward to putting our mortgage services to work for you!
About Michael
The way I do business is very simple….I measure twice and cut once. This means I take the time to meet with every one of my borrowers to learn their goals and expectations. Every borrower is different and I use my expertise and knowledge to cater a loan that best fits each borrower’s lifestyle. Communication is vital to the way I do business. My team and I keep all our borrowers up to date on a weekly basis making it possible to always hit our targets.
Take a look at the video below to learn more about us:
This is not a commitment to make a loan. Loans are subject to borrower and property qualifications. Contact loan officer listed for an accurate, personalized quote. Interest rates and program guidelines are subject to change without notice.
MLB Residential Lending is an Equal Housing Lender.
NMLS# 1101220.
A title search is an early warning system for buyers and lenders. It reveals flaws the owner must resolve prior to a closing or refinance request. This allows the owner to clear any clouds on the title so that the process can move forward. Also, it protects the buyer or lender from assuming an obligation they aren't responsible for. Title Search A chain of title exists in the public records. It shows the history of property title transfer from each previous owner to the next. Unfortunately, these searches are labor intensive and require a specialist called a title examiner. The search … [Read More...]
Home design trends continue to change at supersonic speeds. With New Year right around the corner, the home design world is focusing on trends that will probably reign big in 2019. So, as you make your annual resolutions or consider revamping your home, it's worth knowing them. After all, we all adore coming back to a place that makes us happy and helps us disconnect from tough days at work. It's wise to be aware of temporary fads in design, but don't be shy to try some new home designs and decor in 2019. In this post, we explore five trends to watch out for in 2019. Nature … [Read More...]
Many sellers hire inspectors and appraisers to value their home prior to placing it on the market. It's important for buyers to hire their own inspector to get an independent opinion. If a buyer orders an inspection before the sale goes through, the seller may have to resolve any issues that arise. If you forego the inspection, you inherit any problems that come with the house. Importance Of Inspections Homes aren't always well cared for and it's relatively easy for an unethical owner to paint over a water stain rather than fix a leaky faucet. Clunky furnaces and loud A/C units are symptoms of … [Read More...]
Choosing a neighborhood you live in is almost as important as the house you buy. The right neighborhood can make your house feel even more like a home. But how do you find the right neighborhood to shop for your next home? 1. Evaluate Your Own Lifestyle The first step in finding the right neighborhood is to figure out what you're really looking for. Do you crave a sense of community, or do you prefer not seeing any other houses when you open your front door? Knowing yourself is the key to identifying what kind of neighborhood you'll be most happy in. 2. Are There Children In The Picture? If … [Read More...]
Last week's economic reports included readings on construction spending and Labor Department readings on private and public jobs growth. The Consumer Sentiment Index was released along with weekly readings on mortgage rates and new jobless claims. Construction Spending Slows in October Residential construction slowed in last month as public works projects increased. Private sector construction spending fell by -0.10 percent as compared to expected growth of 0.30 percent and last month's negative reading of -0.10 percent. Construction spending for October was $1.309 billion on a seasonally … [Read More...]
Buying a home is one of the most important decisions you can make. There are many decisions involved in choosing the right home from picking a real estate agent, to figuring out what type of home will suit your needs. You want the right sized rooms, a floor plan that fits your family, and certain home features you know you can't live without. With all the decisions you have to make surrounding your new place to live, you may want to consider buying a green home. Green homes can be a little more expensive up front, but over time they can save you money and pay for the upgrades. These are … [Read More...]
Case-Shiller's 20-city home price index for September reported the lowest pace of year-over-year home price growth in almost two years. Lower home prices balanced housing markets between sellers and buyers, but home prices continued to grow approximately two times faster than wage growth. Case-Shiller's 20 city home price index for September posted a home price growth rate of 5.20 percent as compared to August's year-over-year growth rate of 5.70 percent. While analysts expected slower rates of home price growth, they weren't expecting the steep declines seen in September's report. David … [Read More...]
The real estate market does not occupy a space outside the laws of physics. As Sir Isaac Newton so aptly theorized, "For every action, there is an equal and opposite reaction." When applying the English physicist's Third Law to today's rising mortgage rates, anticipating the reaction can be valuable information if you are planning to buy or sell a home or commercial property. At first blush, residential home buyers and commercial property investors might expect the "opposite" reaction to impact buying power negatively. The initial data might lead many to believe that premise. How Home Buyers … [Read More...]
