Know your payment. Get to the closing table.
I'm Mike Maiorano — a mortgage broker in Venice, Florida and across Southeast Michigan, licensed in 12 states. First-time buyer, self-employed, investor, or buying a second home? I'll show you the real numbers, help you understand your options, shop multiple lenders for you, and stay personally on your file until it closes.
Choose your path
Not sure where to start? Pick the situation that fits best.
You don't need 20% down and you don't need to figure this out alone. Let's start with what your payment would actually be.
The most flexible loan on the board for borrowers with solid credit — and mortgage insurance that doesn't have to be permanent.
If credit is the thing standing between you and a house, this is usually the door that opens.
Take the quick quiz. No application, no credit pull. We point you to the best next step.
How I work
Most borrowers aren't losing sleep over a rate — they're losing sleep over the payment. So that's where I start. On our first call I lay out the whole number: principal, interest, taxes, insurance, HOA, and mortgage insurance if you have it, plus what you'll actually need in cash to close. No guessing, no surprises three weeks in. Know your payment, and the rest of the decision gets a lot easier.
I'm a broker, not a bank. That means I can shop multiple lenders and put you in the loan that actually fits instead of the one product sitting on the shelf. It also means there aren't four departments between you and an answer. You get me — from the first conversation through closing. Smooth closings start with a well-structured file, and I structure yours before it ever hits underwriting.
The other thing I promise is simple: I'm available. If you're standing in a house on a Saturday trying to decide whether to write an offer, you shouldn't have to leave a message and wait until Monday. Your Realtor shouldn't either. Call me — I'd rather answer the question now than fix a problem later.
Tell me what you're trying to do. I'll tell you straight whether it works, what it takes, and if it isn't the right move right now, I'll tell you that too. No cost, no obligation.
I put your full number in front of you — payment, escrows, cash to close, and the options side by side — so you're comparing real scenarios instead of a rate you saw on the internet.
I structure the file up front, chase the appraisal, insurance, HOA docs and conditions myself, and keep you and your Realtor updated. When something goes sideways, I solve it — that's the part I'm actually good at.
Meet your loan officer
You'll work directly with Mike
What clients say
★★★★★ 5 average from 45 reviews
Best Mortgage Broker! Magically Mike provided the best rates that we never thought was possible! We contracted and closed in less than 2 weeks in the middle of the holidays. His expertise and knowledge of the mortgage buying process made our experience seamless and painless, yes, painless! His team was awesome! Thank you everyone for my new happiness! Look no further and trust Mike to do the best for you!
Mike came through with the best rate Mike helped me get the best rate possible. I compared other mortgage companies but Mike followed up and explained the rates and was able to get a better rate than the other companies. The closing was also easy and timely.
Mike really helped us out with our home loan, and worked on a tight deadline to make the loan possible. Extremely dedicated to his customers and very professional. Highly recommend.
Mike was GREAT!! Mike made the whole process as smooth as possible and walked me through step by step. Streamlined from start to finish, I couldn’t have asked for a better experience.
Thank you, Mike! Mike did an excellent job working with me through the mortgage process. Being self-employed, it was not an easy process to qualify for the loan I needed. Mike went above and beyond to make sure I not only got the loan, but he also kept me well informed throughout the process. He did a great job and I would highly recommend him for anyone’s mortgage or lending needs.
Good team to work with! Mike did awesome helping with the process and getting me into my new home quickly. He went above and beyond to make sure the process was seamless. Even walked me through it being my first time I had a lot of questions.
Terrific Mortgage broker Mike is excellent to work with during your mortgage. He goes out of his way to ensure you are getting the best deal possible. An absolute must if you are looking for a mortgage broker.
Solid in Uncertain Times Mike was able to do a great job and close everything up quickly during these times when interest rates seem to be climbing by the day. Always available to answer questions and very personable. Highly recommend.
Thorough and helpful Mike is stellar at guiding homebuyers through the process. He has a depth of experience that goes beyond funding the sale. He’s excellent at explaining the process in clear terms.
Mike does the heavy lifting! I was prepared for a long drawn-out process. Not so this time! Mike is on top of things and digs in so you have absolutely no surprises. He also found a much better rate than any of my banks or credit-unions had available. The other positive was Mike is completely the professional and knows his stuff. He predicted things before they happened, and steered us clear. I would recommend Mike to anybody, even if you think you "already have a guy" I guarantee you Mike is better!
Phenomenal to work with Mike was hands down there every step of the way. This being my first home I had many questions that would drive most people crazy. Mike sat on the phone with me on a Sunday night until 10:00 PM to help me with this process not to mention every time I called he was answering immediately. Could not have had a better experience. Everyone should work with him.
Mike is amazing! Mike and his team are on it! They are responsive, quick to get approval and don’t mess around. So important in real estate when there are multiple offers and tight deadlines. Highly recommend them for your next deals. Thanks so much, Mike!!!
Best Mortgage Broker! Magically Mike provided the best rates that we never thought was possible! We contracted and closed in less than 2 weeks in the middle of the holidays. His expertise and knowledge of the mortgage buying process made our experience seamless and painless, yes, painless! His team was awesome! Thank you everyone for my new happiness! Look no further and trust Mike to do the best for you!
Mike came through with the best rate Mike helped me get the best rate possible. I compared other mortgage companies but Mike followed up and explained the rates and was able to get a better rate than the other companies. The closing was also easy and timely.
Mike really helped us out with our home loan, and worked on a tight deadline to make the loan possible. Extremely dedicated to his customers and very professional. Highly recommend.
Mike was GREAT!! Mike made the whole process as smooth as possible and walked me through step by step. Streamlined from start to finish, I couldn’t have asked for a better experience.
Thank you, Mike! Mike did an excellent job working with me through the mortgage process. Being self-employed, it was not an easy process to qualify for the loan I needed. Mike went above and beyond to make sure I not only got the loan, but he also kept me well informed throughout the process. He did a great job and I would highly recommend him for anyone’s mortgage or lending needs.
Good team to work with! Mike did awesome helping with the process and getting me into my new home quickly. He went above and beyond to make sure the process was seamless. Even walked me through it being my first time I had a lot of questions.
Terrific Mortgage broker Mike is excellent to work with during your mortgage. He goes out of his way to ensure you are getting the best deal possible. An absolute must if you are looking for a mortgage broker.
Solid in Uncertain Times Mike was able to do a great job and close everything up quickly during these times when interest rates seem to be climbing by the day. Always available to answer questions and very personable. Highly recommend.
Thorough and helpful Mike is stellar at guiding homebuyers through the process. He has a depth of experience that goes beyond funding the sale. He’s excellent at explaining the process in clear terms.
Mike does the heavy lifting! I was prepared for a long drawn-out process. Not so this time! Mike is on top of things and digs in so you have absolutely no surprises. He also found a much better rate than any of my banks or credit-unions had available. The other positive was Mike is completely the professional and knows his stuff. He predicted things before they happened, and steered us clear. I would recommend Mike to anybody, even if you think you "already have a guy" I guarantee you Mike is better!
Phenomenal to work with Mike was hands down there every step of the way. This being my first home I had many questions that would drive most people crazy. Mike sat on the phone with me on a Sunday night until 10:00 PM to help me with this process not to mention every time I called he was answering immediately. Could not have had a better experience. Everyone should work with him.
Mike is amazing! Mike and his team are on it! They are responsive, quick to get approval and don’t mess around. So important in real estate when there are multiple offers and tight deadlines. Highly recommend them for your next deals. Thanks so much, Mike!!!
Best Mortgage Broker! Magically Mike provided the best rates that we never thought was possible! We contracted and closed in less than 2 weeks in the middle of the holidays. His expertise and knowledge of the mortgage buying process made our experience seamless and painless, yes, painless! His team was awesome! Thank you everyone for my new happiness! Look no further and trust Mike to do the best for you!
Mike came through with the best rate Mike helped me get the best rate possible. I compared other mortgage companies but Mike followed up and explained the rates and was able to get a better rate than the other companies. The closing was also easy and timely.
Mike really helped us out with our home loan, and worked on a tight deadline to make the loan possible. Extremely dedicated to his customers and very professional. Highly recommend.
Mike was GREAT!! Mike made the whole process as smooth as possible and walked me through step by step. Streamlined from start to finish, I couldn’t have asked for a better experience.
Thank you, Mike! Mike did an excellent job working with me through the mortgage process. Being self-employed, it was not an easy process to qualify for the loan I needed. Mike went above and beyond to make sure I not only got the loan, but he also kept me well informed throughout the process. He did a great job and I would highly recommend him for anyone’s mortgage or lending needs.
Good team to work with! Mike did awesome helping with the process and getting me into my new home quickly. He went above and beyond to make sure the process was seamless. Even walked me through it being my first time I had a lot of questions.
Terrific Mortgage broker Mike is excellent to work with during your mortgage. He goes out of his way to ensure you are getting the best deal possible. An absolute must if you are looking for a mortgage broker.
Solid in Uncertain Times Mike was able to do a great job and close everything up quickly during these times when interest rates seem to be climbing by the day. Always available to answer questions and very personable. Highly recommend.
Thorough and helpful Mike is stellar at guiding homebuyers through the process. He has a depth of experience that goes beyond funding the sale. He’s excellent at explaining the process in clear terms.
Mike does the heavy lifting! I was prepared for a long drawn-out process. Not so this time! Mike is on top of things and digs in so you have absolutely no surprises. He also found a much better rate than any of my banks or credit-unions had available. The other positive was Mike is completely the professional and knows his stuff. He predicted things before they happened, and steered us clear. I would recommend Mike to anybody, even if you think you "already have a guy" I guarantee you Mike is better!
Phenomenal to work with Mike was hands down there every step of the way. This being my first home I had many questions that would drive most people crazy. Mike sat on the phone with me on a Sunday night until 10:00 PM to help me with this process not to mention every time I called he was answering immediately. Could not have had a better experience. Everyone should work with him.
Mike is amazing! Mike and his team are on it! They are responsive, quick to get approval and don’t mess around. So important in real estate when there are multiple offers and tight deadlines. Highly recommend them for your next deals. Thanks so much, Mike!!!
Best Mortgage Broker! Magically Mike provided the best rates that we never thought was possible! We contracted and closed in less than 2 weeks in the middle of the holidays. His expertise and knowledge of the mortgage buying process made our experience seamless and painless, yes, painless! His team was awesome! Thank you everyone for my new happiness! Look no further and trust Mike to do the best for you!
Mike came through with the best rate Mike helped me get the best rate possible. I compared other mortgage companies but Mike followed up and explained the rates and was able to get a better rate than the other companies. The closing was also easy and timely.
Mike really helped us out with our home loan, and worked on a tight deadline to make the loan possible. Extremely dedicated to his customers and very professional. Highly recommend.
Mike was GREAT!! Mike made the whole process as smooth as possible and walked me through step by step. Streamlined from start to finish, I couldn’t have asked for a better experience.
Thank you, Mike! Mike did an excellent job working with me through the mortgage process. Being self-employed, it was not an easy process to qualify for the loan I needed. Mike went above and beyond to make sure I not only got the loan, but he also kept me well informed throughout the process. He did a great job and I would highly recommend him for anyone’s mortgage or lending needs.
Good team to work with! Mike did awesome helping with the process and getting me into my new home quickly. He went above and beyond to make sure the process was seamless. Even walked me through it being my first time I had a lot of questions.
Terrific Mortgage broker Mike is excellent to work with during your mortgage. He goes out of his way to ensure you are getting the best deal possible. An absolute must if you are looking for a mortgage broker.
Solid in Uncertain Times Mike was able to do a great job and close everything up quickly during these times when interest rates seem to be climbing by the day. Always available to answer questions and very personable. Highly recommend.
Thorough and helpful Mike is stellar at guiding homebuyers through the process. He has a depth of experience that goes beyond funding the sale. He’s excellent at explaining the process in clear terms.
Mike does the heavy lifting! I was prepared for a long drawn-out process. Not so this time! Mike is on top of things and digs in so you have absolutely no surprises. He also found a much better rate than any of my banks or credit-unions had available. The other positive was Mike is completely the professional and knows his stuff. He predicted things before they happened, and steered us clear. I would recommend Mike to anybody, even if you think you "already have a guy" I guarantee you Mike is better!
Phenomenal to work with Mike was hands down there every step of the way. This being my first home I had many questions that would drive most people crazy. Mike sat on the phone with me on a Sunday night until 10:00 PM to help me with this process not to mention every time I called he was answering immediately. Could not have had a better experience. Everyone should work with him.
Mike is amazing! Mike and his team are on it! They are responsive, quick to get approval and don’t mess around. So important in real estate when there are multiple offers and tight deadlines. Highly recommend them for your next deals. Thanks so much, Mike!!!
What I offer
I work with a wide range of loan programs so I can match the right product to your situation.
You don't need 20% down and you don't need to figure this out alone. Let's start with what your payment would actually be.
The most flexible loan on the board for borrowers with solid credit — and mortgage insurance that doesn't have to be permanent.
If credit is the thing standing between you and a house, this is usually the door that opens.
No down payment, no monthly mortgage insurance, and a benefit you can use more than once.
Bank statement loans qualify you on the money actually moving through your business — not on what's left after your accountant does their job.
Student debt and a contract that hasn't started yet shouldn't keep you renting near the hospital.
Non-warrantable condo financing for Gulf Coast buildings that conventional guidelines won't touch.
DSCR financing looks at the rent the property brings in — not your tax returns, not your debt-to-income.
I'll run it honestly and tell you when the answer is no.
Waterfront on the Gulf Coast, Birmingham and Grosse Pointe estates, second homes — financing above conforming limits.
Often paid for by the seller or builder. Useful — as long as you can afford the payment it settles into.
Programs that help with the down payment or closing costs — if you qualify, and if the fit is right.
A home equity loan or line of credit leaves your existing mortgage exactly where it is.
Where I lend
Based in Venice. Licensed in California, Colorado, Florida, Idaho, Michigan, Missouri, Nebraska, Ohio, Oregon, Tennessee, Texas & Utah.
Florida and Michigan is home — the market I know street by street and tax rate by tax rate. But you don't have to be down the road to work with me: I can originate your mortgage anywhere in all 12 states, and the whole process runs by phone, email, and secure online tools.
A mortgage is licensed by the state the property is in — not by how close you are to my office. Wherever you're buying in CA, CO, FL, ID, MI, MO, NE, OH, OR, TN, TX & UT, I can help.
See everywhere I serveTools and resources
Run the numbers yourself, or use these tools to get a head start before we talk.
Estimate your monthly mortgage payment with taxes and insurance.
See how much house you can afford based on your income and debts.
Calculate your savings and break-even timeline.
Compare the long-term costs of renting versus owning.