What Clients Say About Working With Me
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"The home buying process can be complex and overwhelming, but Michael's knowledge and expertise made it seamless and straightforward. He patiently answered all of our questions, breaking down complex concepts into easy-to-understand terms."
Dionte S.
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"I had an exceptional experience working with Micheal. From start to finish, he was professional, transparent, and incredibly efficient. Unlike traditional lenders, He moved quickly to secure funding for my project, allowing me to close on my deal without any delays."
Kai F.
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"Working with Michael was an incredible experience from start to finish. He got me a lower rate and lower closing costs than I ever expected, and we closed right on time! Michael did a great job explaining the entire process in a way that made sense, so I always knew exactly what to expect next."
Rafael R.
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"Michael has been instrumental in helping me scale my real estate portfolio. We went from owning 0 rentals to buying multiple rentals every year now. Having the Michael and his team behind us throughout the years has been a key to our success!Ā
Erica Ramon
Hi, Iām Michael Chiodo aka TheRealEstateMC!
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Hereās my story:
My journey into real estate began with a loanāmy first one, taken out from my dad in elementary school to buy a Lego set and build a little town. That sparked my lifelong passion for real estate! From Loan Officer Assistant to Area Manager, Iāve taken on nearly every role in the industry, learning how to help clients at every stage of their homeownership journey.
More than just crunching numbers, my mission is rooted in bringing the stability that homeownership brought to my own family, to my clients. With a finance degree from the University of San Diego and years of hands-on experience, I combine mortgage expertise with a genuine commitment to helping people build wealth and financial security through homeownership and investing in real estate.
Iām known as the lender who āfigures it outā; Iām a problem-solver. When my clients hit roadblocks, I find solutions, turning ānoā into āyesā while giving practical advice and a hands-onĀ approach. Whether itās saving for a down payment or navigating complex loan scenarios, I create plans that are easy to understand and follow for my clients.
With over $600 million in closed real estate transactions in my career, Iāve been recognized among the top 1% of originators in the Scotsman Guide and featured in Real Producers magazine along with many local publications and podcasts. I consistently receive five-star reviews from past clients who have turned into raving fans! Iāve built my business almost entirely on referrals, and my reputation speaks to the trust Iāve earned from both clients and business partners.
I offer a full range of loan programs that cater to the wide range of my clients needs. Whether youāre a first-time homebuyer looking to get your foot in the door or a seasoned investor scaling your portfolio, I have the right loan for you! I particularly enjoy sharing my knowledge about FHA and VA loans, which are powerful tools for building wealth through real estate. As a real estate investor myself, I understand what it takes to build an investment portfolio and guide clients through every phase of homeownership.
When Iām not working, you can find me touring new properties, hitting the tennis courts, trying new restaurants and food trucks in town, or up in the skies with my pilotās license in hand. Iām always ready for the next adventure!
My vision is clear and ambitious: to be the most trusted and referred lender in the markets I serve, bringing financial stability and wealth-building opportunities to each of my clients!
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To learn more about how to build wealth through real estate,
Your Path to Homeownership & Wealth Building
Navigating the mortgage process doesnāt have to be complicated. Hereās how weāll make it simple and stress-free:
Schedule a Consultation
Weāll discuss your goals, financial situation, and the best loan options for you.
Get Pre-Approved
Know your buying power with a clear, customized mortgage plan.
Find the Right Loan
Iāll guide you through loan programs that fit your needsāwhether you're a first-time buyer or an investor.
Smooth Loan Processing
With my hands-on approach, Iāll ensure a seamless application process and tackle any challenges along the way..
Close & Move Forward
From getting the keys to your dream home to building long-term wealth, Iām here to support your journey every step of the way!
