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Michael Cain

VP of Mortgage Lending
853 Camino Del Mar, Suite 100, Del Mar, CA 92014
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NMLS: 1062241
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TestimonialsCustomer testimonials Read more

Michael Cain and his team were fantastic. They have a hands on approach which made the process much smoother and understandable for a busy person like myself who is also a first time home buyer. I would definitely recommend!

Brian L. | 07/10/2017

Michael Cain and his team were awesome as always. This is my second home purchase using them, and I couldn't be more satisfied. The easiness of using the website to apply or the loan and upload needed documents made the process stress free. If I had questions, Michael would respond immediately and explain what was needed clearly. With him and his team, there is no where else to go to get a loan.

Mark S. | 05/12/2017

Michael really went above and beyond. We couldn't have asked for a better advocate through the entire process! We will recommend him to anyone we know! Thanks for everything.

Matthew H. - 11/18/2016

Michael Cain is impeccable, and his ability to execute is astounding. He was my original loan officer with a different mortgage company a year ago, and sought me out to refinance. I fought with the other company for 3 months with loads of paperwork before coming back to Michael and he closed in a month with a quarter of the work. I had one of the most difficult files to close with all my technicalities, not an issue for Michael, him and his team are simply amazing.

Andre R. - 11/14/2016

Michael Cain was excellent to work with. He is very knowledgeable & had our best interests at heart.

J. Ahmad - Funded 6/7/2016

About Michael

Michael Cain is a mortgage loan originator with extensive experience in the real estate and mortgage industry. With a background in commercial real estate investment sales, and commercial real estate tenant advisory services, Michael became a loan officer to pursue his interests in the financing side of the industry. Specializing in first time home buyer, condo financing, Jumbo, conventional, FHA and 203(k) renovation loans, Michael is also highly experienced with refinancing existing mortgages.

Michael prides himself in excellent customer service and attention to detail. He works closely with home buyers to determine the best loan type and to obtain the best rates and fee structures possible. Michael maintains an open line of communication with his clients in order to ensure their comfort and security throughout the process. His strong work ethic, communication skills, and dedication to his valued customers consistently lead to smooth closings and satisfied new homeowners.

Michael interview Q&A

Who is your typical customer and what questions do they typically have?
I definitely don't have a typical client. Every client needs a detailed review and analysis of their buyer profile. I have assisted clients in obtaining home financing for $50,000 purchase and up to several million dollars. Every scenario is different and all clients have different long term and short term goals. I like to lead the conversation with open ended questions/discussions to help them better understand the process and address any concerns they may have.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I was working with a client for several months until they found their dream home. Upon the inspection, however, they learned there was extensive water damage throughout the basement framing. This damage makes the home unable for conventional or FHA financing under the guidelines. We were able to help them restructure the deal with an FHA 203K renovation mortgage and closed on time.
What are the top 3 misconceptions people have about the home loan process?
The number 1 misconception people have about the home loan process is that 20% down is needed for conventional financing. Followed closely by the number 2 misconception that you need to have perfect credit to get a mortgage. Finally the number 3 misconception about the loan process is that a fixed rate mortgage is always the best option.
What provides you with the most satisfaction in your job as a Loan Officer?
Most of my satisfaction in my career as a Loan Officer comes though assisting people in one of the most important and complex financial transactions they will be involved in.

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