MORTGAGE LOAN ORIGINATOR | NMLS #2343952

Your First Home in Florida Starts With a Game Plan

I help first-time buyers understand exactly what they can afford. Down payment, monthly costs, and loan options. Stop guessing and start house hunting with confidence.

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

Know Your Real Budget

Exact numbers on what you qualify for

Understand Your Options

FHA, Conventional, VA, DPA explained simply

Move Forward With Confidence

Clear next steps, no guesswork

Sponsored by Equity Smart Home Loans, Inc. NMLS #2343952 Equal Housing Opportunity

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.

Find out where you stand

About Michael

Michael Garcia - Mortgage Loan Originator, Florida

I'm Michael Garcia, also known as Mortgage Mike. I help first-time homebuyers across Florida get clear on their numbers and confident about their path to homeownership.

My focus is strategy first. We look at your income, debts, credit, and savings so you know exactly what you can afford, which loan options fit, and what to do next. No jargon, no pressure. Just straight answers.

I'm a UCF graduate, born and raised in Central Florida. I'm sponsored by Equity Smart Home Loans, Inc. and I serve families statewide with deep roots in Orange, Lake, Osceola, Seminole, and Polk counties. When I'm not helping clients build their game plans, I'm with family. Dad, husband, and proud to serve this community.

Learn more about me →

What My Clients Say

5.0 ★★★★★ on Google

"As a first-time homebuyer, working with Michael was an absolute blessing. He patiently answered all my questions and thoroughly explained every loan option available. No matter the time or day, he always made time for my inquiries. We had a specific target for our closing costs, and thanks to his expertise, we came in under budget with money to spare. Michael kept me informed through every twist and turn of the market and ensured we locked in the best possible interest rate. I'll definitely be recommending his services to all my friends!"

JM

Jane McDaniel

Google Review

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Loan Programs That Fit Your Life

From first-time buyers to seasoned investors, I've got a program for you.

FHA Loans (3.5% Down)

Ideal for first-time buyers with moderate credit and limited savings.

Conventional Loans (3–5% Down)

Strong option for buyers with higher credit scores.

VA Loans (Zero Down)

For eligible veterans. Zero down payment required.

Down Payment Assistance

Grants, forgivable loans, and repayable programs to bridge the gap.

See All Loan Options →

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

Want the real numbers? Book a free call.

Full calculator with more options →

Already have a loan estimate?

Send it over. I'll review your rate, fees, and terms for free and let you know if you're getting a good deal.

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Two Paths Forward

Without a Plan

  • Keep scrolling Zillow with no idea what you can afford
  • Miss out on DPA programs you didn't know existed
  • Waste time with lenders who just quote rates
  • Stay stuck in the "maybe someday" cycle
Most Popular

With Mortgage Mike

  • Know your exact budget and loan options within 48 hours
  • Access every down payment program available in Florida
  • Get a step-by-step game plan tailored to your situation
  • Start touring homes with confidence and a real pre-approval
Get Your Game Plan → Book a Call

This is home.

Florida neighborhoods at golden hour.

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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 DPA 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 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.
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.

Want to prep before we talk?

Download the free First-Time Homebuyer Guide →

Ready to Find Out What You Can Afford?

Not sure where to start?

Take a 2-minute assessment and I'll reach out with a plan.

Take the Free Assessment →

Want to talk it through?

Book a free 30-minute strategy session.

Book a Call

Ready to apply?

Already talked to me? Start your application.

Start Application

Or call/text Michael directly: (407) 398-5788

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