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Michael Day

VP of Mortgage Lending
360 Central Ave, Third Floor Suite 390, St Petersburg, FL 33701
Contact Michael
NMLS: 1329896
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Michael interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I joined Guaranteed Rate in 2015 as I believe it is the best career to make use of my experiences in sales and delivering client service, and my educational background in Finance.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Though a fixed rate loan will give a borrower peace of mind that their rate can never increase, there are some situations where an ARM allows a client to capture a much better rate without exposing them to too much future risk.
What can borrowers do to insure a smooth mortgage underwriting process?
Once you have started your loan process with Guaranteed Rate, don't look at our professionals as cubicle-contained machines - we're not! We are your dynamic team, your loan officer being the captain, and open lines of communication are paramount to ensuring any obstacle can be overcome.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
This one's easy - there's nothing like the feeling of strapping on ice skates and getting out there on the hockey rink, aside from of course hanging out with Xander, my 6 year old pride and joy.
Tell us something that makes you unique or something wacky, yet interesting about you?
I never played a game of ice hockey growing up in Canada, 18 years. My mother said it was too rough - and signed me up for little league football instead. I was as puzzled then as I am now. Just proof that it's never too late to start doing what you love!

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