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I Want To Borrow Money To Buy A Home

Purchasing a home has never been so easy! On approved credit you can put only 3% down and the lender will pay your monthly mortgage insurance fee in exchange for a slightly higher interest rate, this is called Lender Paid Mortgage Insurance (LPMI)

Compare options when shopping for a mortgage to see what one works best to achieve your goal. For example the LPMI option will most likely result in the lowest monthly payment.


I Want A New Loan To Pay Off My Old Loan

Refinancing is a good idea if you can get a lower interest rate for little to no cost. With rates declining, I would not recommend paying fees or points to refinance at the moment unless you need to.

Or you may want to borrow money at the lowest rate.


I'm At Least 62, I Want To Borrow Money That I Never Have To Pay Back

Reverse Mortgages or Home Equity Conversion Mortgages are for those who are at least 62 years of age and would like or need to spend their equity while they are alive.

You can use this loan to pay off your existing loan, get cash out, both, or purchase a new home. 


Here are a few examples of reasons people choose a this type of loan. 

1. They want to retire now because they are tired of working and they don't want to work another X amount of years to pay off the mortgage.

2. They have a medical need and they need a large sum of money they cant get any other way.

3. They don't make enough to cover the cost of living and they don't want to lose their house or have to move.

4. They just want to use the money they earned without selling their home.

I have never had a client tell me they regretted getting one of these loans, in fact, every time I issue one of these loans, the clients are the happiest. They say a boat owner has two best days of his life, the day he buys the boat and the day he sells it. I feel like their are two best days of a home owners life, the day they buy it, and the day they reverse mortgage it. :)



I, Michael James Hansen, am honored to provide customer service that is reliable, trustworthy, and keeps the most money in my client's pockets. When you contact me with your basic information like loan amount, credit score, and home value, I will quote you by phone, email, or text. If you like my offer, you can easily complete the online application using autofill and send me basic documents like your mortgage statement for the loan we are paying off and homeowners insurance so we can let them know whom the new lender is going to be. I will approve your loan and lock your rate the same day upon request during normal banking hours. I will hold your hand through the quick and easy process until your loan is funded. After your loan funds, I will touch base with you periodically to ensure you are getting the most out of your mortgage.


Gone are the days of standing in line or waiting on hold for a random banker providing hit-and-miss service. You're a Mikey VIP now, you have a guy whom you can rely on to give you speedy service, good information, and pricing that ROCKS! 


Mike offers a no closing cost option on many loan programs. With this option, the lender credit covers all title, appraisal, and 3rd party fees resulting in absolutely zero fees paid by the borrower. Many banks offer a "no-point" mortgage where they don't charge fees, however, the borrower still must pay for some items such as title and appraisal fees. With our true no closing cost mortgage, the borrower pays no closing costs, period! According to my clients and my own shopping, our California true no closing cost rate is still the lowest rate online. The choice is too EZ.


When you need a quote over the phone, we will provide it without the hassle and send a copy to your email without having to run credit or take your application. Most lenders will avoid talking about pricing and string you on until the end on what your actual funds to close will be and how much you are paying in closing cost.


100% of our loans close within the lock or contract period or your rate extension is free. W-2 income applicants will be approved in 1 day by underwriting.


My blog is written by me and updated monthly. If you subscribe you will only get one email a month, a snapshot of what I wrote the month prior, on the 1st of each month, when your mortgage is due.


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