Michael A Ognissanti
Get to know Michael
33 years in mortgage banking and 25 years as a Producing Branch Manager in Roseville, CA. I lead a local, multi-million-dollar team built on a family-first culture, operational excellence, and a true “Client for Life” mindset. We use integrated technology to deliver seamless execution and what we call Mortgages Without Obstacles. Let’s connect. 📞 916-765-6457 | ✉️ mike.ognissanti@churchillmortgage.com
Why choose Michael?
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Questions? Michael has answers.
We prompted questions to Michael so you can learn more about their skills, preferences, and availability.
Out-of-state buying works when the plan is clear, the team is aligned, and the loan is fully underwritten upfront. Strategy and communication remove stress and create confidence from contract to close
I don’t judge credit — I build a strategy to improve it. We create a clear action plan, optimize what moves the score most, and position clients to qualify confidently and sustainably.
I love helping growth-minded families who want clarity, not confusion. I simplify the process with strategy, full underwriting upfront, and clear communication from start to finish.
I'm connect through relationships, referrals, and community — not cold leads. Most clients come through trusted partners or past clients, and it starts with a real strategy conversation.
I love when clients start early. Preparation creates power. The sooner we talk, the more strategic we can be, reducing stress, improving numbers and building confidence long before an offer is written