The Real Estate MCReal Estate. Made Simple.
Michael Chiodo · The Real Estate MC

Your home loan,
made simple.

From your first thought of buying a home to the day you get your keys, I help you finance it the smart way and build a plan around your goals.

Top 1%
Scotsman Guide Top Originator, multiple years
$600M+
in real estate transactions closed
300+
five-star borrower reviews
41
states licensed · TX & CA based
START HERE

Start your pre-approval

About 60 seconds. Starting here does not affect your credit score.

Rather talk first? Book a 15-min callSecure

Meet Your Lender.

Michael Chiodo
YOUR LENDER

Michael Chiodo

The Real Estate MC · Mortgage Loan Originator
CrossCountry Mortgage · NMLS #378308

My job is to make buying your home feel clear, simple, and doable. I look at your whole financial picture (income, savings, credit, and goals) and build a plan that gets you into the right home with the right loan. After you close and move in, I continue to follow up to make sure your mortgage keeps working for you as your life changes.

  • Scotsman Guide Top 1% Originator & President's Club, multiple years
  • Expert in first-time buyer, VA, Non-QM, and self-employed loans
  • Pre-approvals sellers trust, so your offer gets taken seriously
Book a 15-min call
How it works

Go from "can I afford this?" to keys in hand, in record time.

Four steps. We walk you through every one.

  1. 01

    Start here

    Complete a quick application and provide a few documents for us to review.

  2. 02

    See your real budget

    We review income, credit, and savings, then create a plan tailored to your goals and qualifications, before you fall in love with a house!

  3. 03

    Shop with confidence

    You get a pre-approval your agent can put behind every offer, so sellers take you seriously.

  4. 04

    Close on schedule

    Once you have an accepted offer we get to work on finalizing your loan. We update you and your agent at every milestone until you're holding keys.

Before, during & after closing

A plan, not just a rate.

Most lenders quote a number and move on. We build a home buying plan centered around your goals and qualifications!

STEP 1 · BEFORE YOU SHOP

Your personal home buying plan

Before you tour a single house, we sit down and build a plan around your goals. You'll see your real budget, your best loan options, and your full monthly payment: principal, interest, taxes, insurance, and HOA. No guesswork.

STEP 2 · UNDER CONTRACT

A smooth, on-time closing

Once your offer is accepted, we get to work. We collect your documents early, get your file to underwriting fast, and keep you and your agent updated at every milestone. No last-minute surprises, no scrambling at the finish line.

STEP 3 · AFTER CLOSING

Advice past closing day

We don't disappear once you get your keys. We check in every year to review your loan and your goals, and we keep an eye on the market so we can tell you when a refinance could save you money.

Loan options we'll walk you through
ConventionalFHAVAJumboFirst-time buyer programsDown payment assistanceSelf-employed / bank statementRenovationInvestment property

Program availability depends on your situation, property, and lender guidelines.

Reviews

Don't take our word for it.

300+ five-star reviews from real borrowers.

Read reviews on Google →
★★★★★
"Working with Michael was a fantastic experience from start to finish. His expertise, professionalism, and clear communication made the entire mortgage process simple and stress-free."
Kylea M.
★★★★★
"Michael took the time to walk me through every option and made sure I felt confident in every decision. I couldn't have asked for a better lending experience."
Madison B.
★★★★★
"Responsive, transparent, and genuinely invested in helping me find the right loan. Highly recommend Michael to any homebuyer."
Chris B.
Questions

What buyers ask before they apply.

Filling out this form doesn't. Before we ever pull credit for a pre-approval, we'll tell you first and explain what it means.

Know your numbers before you fall in love with a house.

Start with the 60-second form or a 15-minute call. Either way, you leave with a plan.

Book a 15-min call
Michael Chiodo · The Real Estate MC
Mortgage Loan Originator, NMLS #378308
CrossCountry Mortgage, LLC · NMLS #3029
(619) 370-6519 · mchiodo@ccm.com · nmlsconsumeraccess.org

Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility; program availability varies. You are not required to use any particular lender or real estate agent. Licensing · Privacy

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