Find Out What Loan
Works Best For You
Bringing much needed warmth and empathy to the mortgage process.
Meet mike Burns
Mike Burns is a seasoned mortgage banker with over 20 years of professional experience. Mike has honed his skills to become a trusted name in the world of loans and investments. His commitment to excellence and dedication to his clients have set him apart, ensuring that each client's financial journey is not only successful but also tailored to their unique needs.
Also a serial entrepreneur, he has created various ancillary businesses to educate the public to take advantage of insider industry secrets.
The objective of the personal brand is to share the vast knowledge gained in years of experience runing various companies and closing thousands of loans.
OFFERINGS
Personal Mortgage Consultation
NEW HOME PURCHASE
- Personal consultation to pre-qualify for a new home. All programs to reach your goals and objectives will be discussed and analyzed based on your current financial position and desired outcomes.
REFINANCE
- In-depth review of current mortgage rate / term, debt-equity position, available cash-out for debt consolidation or home improvement, and personal recommendations to achieve desired outcomes.
Realtor Parnterships
Mike provides custom-built software to automate social posts and client relationship management. The objective is to increase your business by providing you with pre-approved buyers and listings.
Turnkey Rental Properties for Investors
Turnkey BRRRR offers fully managed investment properties with 20% equity and no down payment. This is acheived through a unique insider loophole that takes adantage of increasing a homes value by rehabbing and refinacing to return your investment. This can be done many times over to build a rental property portfolio with minimal cash out of pocket.
Free Education
My goal is to provide excpetional educational resources for home buyers, real estate investors, realtors, and mortgage bankers. By offering this information for free I hope to soldify my reputation as one of the top experts in the field and educate the public on important items in the real-estate financing industry.
Testimonials
Working with Mike has been a game-changer for me. His team's financial expertise and personalized guidance have not only helped me secure my retirement but also allowed me to grow my investments significantly.
JEROMÉ COOPER
I can't express how grateful I am to have found Mike. His unwavering support during challenging financial times and his strategic approach to wealth management have transformed my financial situation.
JESSIE HALE
FAQS
How do I qualify for a loan?
To qualify for a loan, you need a stable income, good credit, and a manageable debt-to-income ratio.
Can I get a mortgage without a credit score?
It's possible but challenging. Lenders prefer a credit history to assess risk.
What's the difference between prequalification and preapproval?
Prequalification is an estimate; preapproval is a commitment from a lender after a thorough review.
What types of loans do you offer?
We offer various loans, including conventional, FHA, VA, and more. We'll help you find the best fit.
How much can I borrow?
Your borrowing capacity depends on your income, credit, and the lender's guidelines.
What type of mortgage suits me best?
We'll assess your financial situation to recommend fixed-rate, adjustable-rate, or other options.
Is my credit score sufficient for loan approval?
Your credit score should meet the lender's minimum requirements for approval.
What's the current interest rate?
Interest rates fluctuate. We'll provide the current rate during your application.
What's the minimum down payment required?
The down payment varies, but it's typically around 3% to 20% of the home's purchase price.
Are there down payment assistance programs?
Yes, there are government and local programs to help with down payments.
What are the closing costs?
Closing costs include fees for services like appraisal, title insurance, and attorney fees.
How long does loan approval take?
Approval times vary, but it can take a few weeks. We'll work to expedite the process.
What documents are needed for the loan application?
Common documents include pay stubs, bank statements, and tax returns.
Fixed-rate or adjustable-rate mortgage?
Fixed-rate offers stability; adjustable-rate has lower initial rates but can change over time.
What if I miss a mortgage payment?
Contact us immediately; we can discuss options to prevent late fees and foreclosure.
What type of mortgage suits me best?
We'll assess your financial situation to recommend fixed-rate, adjustable-rate, or other options.
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