Michael Shaffer
Get to know me
As a dedicated California residential mortgage specialist, I stand out by offering a truly personalized, hands-on experience. I personally manage every loan (Conventional, Jumbo, FHA, VA, Home Equity) from application to closing, ensuring clear communication and zero hand-offs. My local expertise secures competitive rates and the optimal financial strategy for your 1-4 unit property goals. Choose accountability, expertise, and a partner, not a processor.
My experience
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Brokerage info
What you can expect from me.
Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.
I offer an accurate rate estimate based on a no-cost, soft credit check which does not impact your credit score. This verifies your current score, ensuring the quote you receive is accurate.
Expect total accountability. I personally manage your loan start-to-finish, ensuring clear communication, zero hand-offs, and a process focused on achieving your financial goals.
I start with a no-impact soft credit check. I then provide a detailed credit review with a clear action plan, helping you optimize your score before finalizing your loan and underwriting.
I strongly encourage it! Early conversation provides cost-free, expert advice on payments, qualification, and funds needed. Knowing your options early ensures a stress-free purchase when you are ready