What Clients Say About Working With Me
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"I can confidently say that the experience exceeded all expectations. From the very first interaction, Michael was professional, knowledgeable, and genuinely invested in helping me secure the best mortgage option for my needs. What stood out most was his ability to break down complex mortgage terms into simple, understandable language, which made the entire process stress-free."
Kylea M.
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"I cannot recommend Michael Chiodo highly enough! From the very beginning, his communication was impeccable. Michael took the time to explain every step of the lending process in a way that was easy to understand, making the entire experience much less stressful."
Madison B.
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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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"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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"Michael is an amazing lender! He took the time to explain all the different loan options in a way that made sense to us and helped us find the perfect fit.
Chris B.
Mortgage Loan Options
Conventional Loans
Low down payments, competitive rates, and flexible terms—ideal for buyers with strong credit.
FHA Loans
Easier qualification and just 3.5% down—perfect for first-time homebuyers and those with lower credit scores.
VA Loans
Zero-down financing for veterans and active-duty military—because you’ve earned it.
Jumbo Loans
Loans over conventional limits for high-value homes—get the financing you need without the hassle.
Bank Statement & Non-QM Loans
No tax returns? No problem. Qualify based on bank statements, assets, or rental income.
Down Payment Assistance
Grants and programs to help you cover your down payment—turn homeownership into a reality sooner.
HELOCs (Home Equity Line of Credit)
Access your home’s equity for renovations, debt consolidation, or investments—flexible funds when you need them.
Buy Now, Sell Later Loans
Secure your next home before selling your current one—move with confidence and avoid the stress.
Renovation Loans
Finance your home purchase and renovation costs in one loan—turn a fixer-upper into your dream home.
