Michael started his real estate career in 1971 with the purchase of his first home. Michael bought a home in Perrysburg, Ohio for the enormous sum of $20, 000.00! It had no central heat, and no insulation but it did have knob and tube wiring. The home was built before 1865 and it needed some restoration. Seven years and two tetnus shots later the restoration was finished and it was included in the National Register of Historic Places. Michael then went on to purchase a nineteen unit apartment complex and has bought and sold numerous properties in Ohio and California since then.
Real Estate was not his primary business. He was educated at the University of Notre Dame and St. Louis University. He graduated on the Deans List with a BA degree and he started his career as a television producer/director. Soon afterwards he proceeded to win seven awards in the Television Industry. Highlights included the San Francisco State Community Service Award, which he won twice, and the prestigious Catholic broadcasting award, the Gabriel.
Later in his career as Vice President of Marketing for Cox Cable he won the Cable Marketing Magazine’s Best of Show, the New York Art Directors Club Certificate of Merit, the Cable TV Advertising and Marketing Society, TAMI, and the Santa Barbara Advertising Club Award of Excellence, among others.
Michael has been in the mortgage finance business as a full time career since 1988. He started at Countrywide Funding as Vice President of Origination. After two years with Countrywide he left to start his own business as a Mortgage Broker. Throughout his career he has maintained a concentrated emphasis on creating clients for life by providing the best loan programs suited to the specific needs of his individual clients in a prompt and cost efficient manner. The goal for Michael and his team is to provide the highest level of customer service for each client.
In the midst of all this mortgage activity he has been active in the community. He has been active in the California Association of Mortgage Professionals since 1992. He currently serves on the State Board of Directors and is the President of the Greater Ventura County Chapter. He was recognized as the Affiliate of the Year in 1998 by the Conejo Valley Association of Realtors for his contribution to the Real Estate Community. Michael believes that if he can help people who can afford to buy homes that he should devote time to those who are not as fortunate to find housing. To that end he has served on the Board of Directors of Many Mansion since 1999. Many Mansion currently has 500 apartments units that house low, very low income, homeless, and disabled individuals. He serves on the Board as Chief Financial Officer.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night...
NMLS 1795154