Skip to main content
Aerial view of Florida neighborhood at sunset
Michael Garcia, Mortgage Mike

I'm Mortgage Mike.

You're Closer to Owning a Home Than You Think.

I've helped hundreds of Florida families go from 'maybe someday' to move-in day. Let's look at your numbers together.

500+ Florida families helped and counting.

What can I actually afford?

I'll show you the exact number. Purchase price, monthly payment, cash to close. No guessing.

Which loan is right for me?

FHA, VA, Conventional, DPA, DSCR. I match the program to your life, not the other way around.

What do I do first?

Start with a free call or the quick assessment. I'll take it from there.

★★★★★ 5.0 on Google Trusted by Florida families

English & Spanish Sponsored by Equity Smart Home Loans Inc logo NMLS #856170

What You Get Working With Me

Clarity on Your Numbers

Know your purchase price range, monthly payment, and cash-to-close before you start looking at homes.

The Right Loan for Your Situation

FHA, Conventional, VA, DSCR, or DPA. I match you to the best program for your situation, not mine.

A Guide Who Speaks Your Language

No jargon, no pressure, no judgment. Bilingual support available. I explain everything in plain terms.

About Michael

Michael Garcia - Mortgage Loan Originator, Florida

I'm Michael Garcia, but most people call me Mortgage Mike. I help homebuyers across Florida get clear on their numbers and confident about their next move.

My approach is simple: we sit down (or hop on a call), look at your income, debts, credit, and savings, and I tell you exactly where you stand. What you can afford, which loan programs fit, and what to do next. No jargon, no runaround.

I'm a UCF graduate, born and raised in Central Florida. First-generation homeownership runs in my family, so I get how big this is. When I'm not running numbers, I'm probably grilling something, flying my drone, or having a meltdown watching my Chicago Bears or Cubs. Dad, husband, and a proud Florida neighbor.

Learn more about me →

¿Comprar casa en Florida?

Estoy aquí para ayudarte. Te explico el proceso paso a paso, sin presión y sin complicaciones. Hablamos en tu idioma. Ya he ayudado a cientos de familias hispanas a comprar su primera casa.

Hablemos →

What My Clients Say

5.0 ★★★★★ on Google

"He patiently answered all my questions and we came in under budget with money to spare."

JM

Jane M.

Google Review

Read More Reviews on Google →

Real Situations. Real Solutions.

You're not the first person in your situation. Here's how I've helped others.

Bankruptcy doesn't mean you're done. FHA and Conventional loans have waiting periods, often 2 years from discharge for Chapter 7. We'll confirm your discharge date, review your credit rebuild, and get you on a path to approval. Many of my clients buy within 2 to 3 years of bankruptcy.

Bank statement loans use 12 to 24 months of your business or personal deposits instead of W2s. You keep your write-offs and still qualify. I work with plenty of 1099 contractors, business owners, and gig workers who've been told no elsewhere.

Debt-to-income (DTI) matters, but it's not a dealbreaker. We'll look at your full picture: income, debts, and the loan program that fits. Income-driven repayment on student loans can lower your calculated payment. Let's run the numbers.

FHA starts at 3.5% down. Conventional can go as low as 3%. Plus there are down payment assistance programs like grants, forgivable loans, and matching funds that can cover most or all of your down payment. I'll match you to what you qualify for.

DSCR loans qualify you on the property's rental income, not your personal income. No W2s, no tax returns, no pay stubs. If the numbers work for the property, you can get financing. Perfect for building a portfolio.

See what you can afford.

Adjust the numbers. No login, no credit check.

$12,250

Rates change daily. This is an estimate.

$2,859

Estimated Monthly Payment

Principal & Interest $2,229
Est. Property Tax $350
Est. Homeowner's Insurance $125
FHA Monthly MIP $155

Includes financed UFMIP of $5,911

FHA MIP is required for the life of the loan on most FHA loans.

P&I Tax Insurance MI

Your Questions, Answered

Four things: principal, interest, property taxes, and homeowner's insurance. If you put less than 20% down, mortgage insurance gets added too. I break all of this down for you during your strategy session so there are no surprises.
No. FHA starts at 3.5%, Conventional at 3%. Plus there are down payment assistance programs that can cover most or all of your down payment. Many of my clients buy with less than $5,000 out of pocket.
Programs start at 580 for FHA and 620 for Conventional. If you're not quite there, I'll build a credit improvement plan with clear steps and a timeline.
Most clients get their full strategy session and pre-approval within 48 hours of submitting their documents. I also put together a free First-Time Homebuyer Guide you can download here.
No. The strategy session is completely free with no obligation. We'll review your numbers and you'll leave with a clear plan.
Yes. Send it over and I'll review your rate, fees, and terms for free.
I'm licensed in Florida and work with clients statewide. Most of my clients are in Orange, Lake, Osceola, Seminole, and Polk counties, but I help buyers all across the state.

Already own your home?

Get a free HELOC quote in minutes. No credit pull. No commitment.

Get My Quote →
Talk to Mike Apply Now