Michael Ertem

I am serving my clients for almost 20 years. I focus primarily on new home buyers mostly utilizing FHA and Downpayment assistant programs. I also help homeowners lower their monthly mortgage payments with a wide array of financing options.

Today, purchasing or refinancing a home is the largest financial transaction that any of us will enter into, so it's essential to select a trusted, qualified, and experienced Loan Officer that has the knowledge and background to effectively help you obtain a loan that is tailored to fit your individual financial needs. With 20 years of experience and knowledge as a trusted and qualified Loan Officer, I have successfully worked with people in California and Hawaii to secure just the right mortgage. It is my pledge to you to always provide the same sincere commitment with consistent, outstanding service while diligently striving to earn your business now and for many years to come.

So, whether you are a first-time home buyer, or the seasoned homeowner don't leave the largest transaction of your life to chance, call me today. Experience - Outstanding Service - Commitment to Excellence It's a winning combination; put it to work for you. Working together to make it happen!

Contributions to Lender411
Blogs Home Purchase: The Economics Behind a Successful Home Sale May 20th 2011 more... Answered Questions Refinance: We have a lot of upgrades in our house. May 20th 2011 more... Contacted consumers with following loan scenarios California, Home Purchase, Good Credit, Amount: $390,000, LTV 80% Apr 12th 2012 California, Home Purchase, Excellent Credit, Amount: $140,000, LTV 82% Sep 18th 2011