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Michael Mills

VP of Mortgage Lending
585 Stewart Avenue, Suite L-90, Garden City, NY 11530
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NMLS: 849286
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About Michael

Michael is a Certified Mortgage Planning Specialist® and an active member of the CMPS® Institute. The CMPS® Institute is a national organization that certifies mortgage bankers and brokers, with a stated mission, "...to help homeowners and homebuyers improve their lives by using the right mortgage strategies."

Michael joined Guaranteed Rate in 2016 as Vice President of Mortgage Lending. Before choosing to advise and educate homebuyers and current owners about mortgage planning; he worked to obtain the same results in other areas of personal finance and banking. Michael's aptitude and interest in asset management ultimately led him to accept a position as an investment wholesaler for Deutsche Bank. In this role he become a respected resource in tax-free fixed income, short-term bond, managed commodity, and mortgage-back security based investing.

In 2011 Michael made the move to the mortgaging banking industry by joining a New York area commercial bank’s residential mortgage division. In this capacity he built a lending practice centered around helping individuals and families reach their financial goals, now utilizing optimal mortgage financing and planning discussions instead of investments. With a holistic approach to mortgage planning and its diverse applications, he continues to draw on his prior experience and insight to add greater depth to his consultative approach.

Michael interview Q&A

Who is your typical customer and what questions do they typically have?
It would be difficult to call any customer typical since everyone has unique goals and their own areas of concern regarding qualifying. I tend to work more with self-employed borrowers, real estate investors, individuals going through or recently completing a divorce as well as first time homebuyers.
What advice would you give new or first time home buyers?
The best advice that I could give to first time homebuyers is to ask a lot of questions. Purchasing a home, especially for the first time is a major, if not the, largest financial transaction of most people's lives. They should ask about more than just what a lender's rates are. The mortgage professional they choose is the one person, besides themselves, most responsible for the success of their transaction. New buyers should ask how a lender gets paid, how much experience they have, what types of first time buyer special program options they offer, the types and frequency of communication a client can expect and anything else about the process that they can think of. A good mortgage professional will welcome the curiosity and active participation in the process.
What provides you with the most satisfaction in your job as a Loan Officer?
The moment at a completed closing when a borrower becomes a homeowner and gets handed the keys to their new property. This is by far the most rewarding aspect of my job.

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