A loan officer at a big retail shop has one shelf to sell from. We don't — your file goes out across our wholesale lending channels, they bid against each other, and we show you every number that comes back. Including the days the answer is that you already have a good loan.
A rate posted on a website is priced on somebody else’s loan. Yours moves with your credit, your home and how much you need. So tell us about yours, and you’ll see every loan you qualify for, from Low Cost to Low Rate, each with its APR, the payment, and what you’d take home or bring to closing, priced on this morning’s pricing.
It has the whole payment and every closing figure for this loan, and it reprices every weekday. I’ve emailed you the link, and I’ll be in touch within one business day.
Open my pageThese rates stay here too.
Rather tell us in your own words? Send a request instead.
You'll have our direct numbers from the first call through closing, and the person who prices your loan is the person who closes it.
If there's a way to get you a better loan — a different program, a different lender, or the honest advice to keep the one you have — that conversation is with him.
Runs your loan from application through closing — conditions, appraisal, title, every deadline — and keeps you informed the whole way, so you never have to chase her.
“Michael was great to work with from start to end. Very responsive to all my inquiries. Was able to get everything completed via e-mail which was super helpful given the time zone difference and my work schedule. Would definitely recommend!”
Alan E.
“Michael and Sherry Wright were nice people to deal with. Because they are independent, they will look for the best deal for the customer without any sales commission bias. They are decent caring people. I always prefer to support independent and small businesses whenever possible, and I’m glad that I reached out to them.”
David Paynter
“This was something that I have tried to do for over 12 months and was unsuccessful in doing so. Several others, including my current mortgage company told me they could get this done, but each time, something got in the way… They did what they said they would do.”
Michael Coleman
“First of all, no high pressure sales tactics. Lots of options presented with lots of detail and explanation for each. Timely and professional.”
Walter Teague
“I am a busy person that hates wasting time talking on the phone. Michael was so patient and kind, he understood and made sure every text and email was clear and I understood everything I was going through. I will be sticking with him for all my mortgage concerns and any future deals.”
Latonya Hooks
“My situation was very difficult. A VA loan re-fi with many hurdles to overcome. Michael and Sherry were very patient with me during this process and always provided confidence that we could get this done. Very quick to respond to any questions that came up and provided alternatives when necessary.”
Robert Fonzino
“Michael Wright is the most professional and competent loan officer I have ever dealt with. He closed my loan in three weeks time. He always responded to me promptly and delivered on everything he promised. I’ve been in the real estate business for 30 years and have never seen someone who works this well.”
Jose Baloyra
“From the beginning conversation of what our needs were, to the last minute changes that I saw I needed, this was a great experience… Up front and honest numbers that stayed true through the process.”
Micah Strange
“Michael Wright has now processed 2 loans for me and is my guaranteed go to mortgage broker. He is extremely knowledgeable/professional, has access to wholesale rates, and always makes time to discuss anything on my mind.”
Anthony Hundza
Read every review on Birdeye ↗
Every review here is from a client whose loan we closed, and nobody was paid, discounted or given anything for leaving one. Reproduced as written — nothing reworded, and an ellipsis marks anything we shortened for length. The full set is at the link.
Their pricing is their pricing. If it isn't the best available that day, you would never know — there's nothing to compare it against, and no reason for them to tell you.
We own this branch, which means we set our own overhead and answer to nobody about what we charge. That's the only reason the list below is possible.
How Your Loan Officer Gets PaidPrefer to read it on the web? The same guide, as eleven pages you can skim — how loan officers get paid, what separates a broker from a bank, and which fees are worth questioning.
Forty pages, every figure cited to the handbook, mortgagee letter or rule it came from. Six worth starting with:
Every lender says they have the best deal. We put a thousand dollars behind ours. Bring us your best offer — if we can't beat it, and another lender actually closes your loan at a lower total cost of rate, lender fees and mortgage insurance combined, we mail you a check after your closing.
A good share of what we close is conventional — strong credit, a real down payment, mortgage insurance that comes off. And a growing share is non-QM: the self-employed, investors, non-citizens and thin credit files that the standard boxes don’t fit.
Fannie Mae and Freddie Mac loans, from 3 percent down on a first home to high-balance, jumbo, second homes and rentals.
Fully documented, fully underwritten loans that prove income a different way. Not subprime, and not a no‑doc loan.
We check the cheaper loan first. Non-QM costs more than a conventional or government loan, so before we price one we look at whether you actually need it — and tell you plainly when you don’t.
The application takes about ten minutes and comes straight to the two of us. We confirm your pricing against your actual file, then lock it.
Goes straight to Michael and Sherry. Nothing here is automated, and nothing touches your credit.
