Michael Owens

Vice President of Mortgage Lending
421 SE Main St, Ste 200, Simpsonville, SC 29681
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NMLS: 107434
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Mike was great to work with and took a lot of the stress out of the home buying process. I was able to close on my house days before even his estimate which was quicker than anyone else.

Daniel D. - Greensboro, NC | July 2018

Mike is the best loan officer you could hope for! I have actually gone through Mike twice for two home purchases. The first home I purchased was at the end 2012 and was a short sale. I had made an offer after Thanksgiving and wanted to close before the end of the year. Every loan officer I talked to before Mike said they could try but probably wouldn't make it. I called Mike and he said he could meet the timing, not only that but he had everything completed a week before closing! I called him...

Nathan B. - Clemmons, NC | July 2018

Michael Owens was very helpful every step of the way. As a first time home buyer, there were a lot of things that I was not familiar with, but he was able to explain everything and walk me throughout the entire process. I would definitely recommend Michael and Guaranteed Rate to anyone looking for a lender. Thanks again!

Matthew K. | June 2018

Michael Owens and Leighann are total professionals and an absolute pleasure to deal with. They made the house buying process easy and explained everything to us every step of the way. They made themselves available to us and answered our questions any time of the day! We are very grateful of their service and wouldn't hesitate to recommend Guaranteed Rate.

Michael G. - Greenville, SC | APR 2018

Michael Owens & his team at Guaranteed Rate made buying this home such a quick and easy process. Michael is very professional and always stayed on top of everything. We appreciate such first class hands on service.

Danny & Linda D. - Simpsonville, SC | FEB 2018

Mike Owens was awesome! He made all the difference in making the whole loan process easy and smooth! Will use Guaranteed Rate again just because of his great customer service!

Donavan P. - West Columbia, SC | JAN 2018

All of the associates I talked with were exceptional at answering my questions. Leigh Ann Martinez was amazing and so was Michael Owens. Day or night they could be reached and would promptly answer any and all questions. I love how easy it was get a loan. Thank you so much!!!!

Andrea. W.- Greer, SC | Aug 2017

Working with Mike and GR was a great experience. It wasn't all about the loan with Mike and GR. Mike became a trusted friend. Rest assure me and my family will tell everyone how great GR's service and people are...

Brian S.- Cobb Island, MD | Aug 2016

Matt, Theresa and Stacy were a pleasure to work with. Matt and his team were responsive and patient throughout the process. They kept me informed and took the time to hear my concerns regarding the closing disclosure and costs associated with the loan. Any changes or questions I had were handled immediately and issues were dealt with professionally. Matt Carr and his team delivered exceptional customer service and professionalism, I would highly recommend them.

William K. - Boston, MA | AUG 2017

Mike Owens is the best. I have done many purchases and refi's over the years. Great communicator. Easy to understand and he is always on top of his attention to details.

Gary B. - Richmond, VA | JUL 2017

Micheal Owens was fantastic. I would recommend anyone to Mike.

Andrew S. - Easley, SC | JUN 2017

Michael Owens was amazing through-out the whole process. I've already posted a recommendation for his services with Guaranteed Rate through a workplace network list. Whenever I need mortgage lending assistance again, I'll be sure to go to Michael directly.

Matthew D. - Garner, NC | FEB 2017

Mike was fantastic to work with and I really felt supported through my first home loan process!

Elizabeth C. - Waldorf, MD | 2016

Mike Owens was very knowledgeable,professional and a pleasure to deal with through our loan process.I highly recommend him and Guaranteed Rate to handle all of anyone's mortgage needs.

James S. - Moore, SC | 2016

Micheal Owens was great, every time I needed something completed or answered, there was no hesitation or delay.

Jeremi T. - Easley, SC | 2016

Micheal Owens was great, every time I needed something completed or answered, there was no hesitation or delay.

Jeremi T. - Easley, SC

Michael Owens went above and beyond the call to make the process as smooth and easy as it could be he's a valuable asset to the company.

Daniel C. - Concord, NC | 2016

Mike Owens was extremely helpful. He was available whenever I needed him, and was always willing to answer any questions I had. He got me a great rate.

Hank S. - Simpsonville, SC | 2016

This is our second loan with Guaranteed Rate and it was friendly, fast and painless to refinance through them!!!

Phil H. - Aldie, VA | 2016

Mike Owens was again - excellent. Profession, courteous and very helpful. Always got back to me in a very timely manner. I appreciated that Mike was able to help me so quickly.

John B. - Taylors, SC | 2016

The transaction was smooth and timely even given a fairly quick closing schedule. Thank you.

Twoy Gwartney - McKinney, TX | 2016

Mike was amazing! We was very easy to work with and available in a timely fashion. He followed up with me anytime I needed it and explained things in a way that a first time buyer would understand. There is not enough good things to say about him. It was a pleasure doing business with him and I can assure you he'll be referred!

Melissa G. - Simpsonville, SC | 2016

Mike is a Great Lender! He stayed on top of things, was quick to respond and got things done! My Wife and I very grateful for his help with our loan process!

Brian S. - Simpsonville, SC | 2016

Mike Owens knows his stuff. Thank you Guaranteed Rate Team.

Brian S. - Cobb Island, MD | 2016

Mike was great! He kept in contact through the entire process without being pushy. I will certainly recommend him and Guaranteed Rate.

Laura S. - Piedmont, SC | 2016

Have used Scott and his team 3 different times, and will continue to do so. Have made every loan simple and easy. Could not think of anyone better qualified to help secure a mortgage.

Tim P. - Greenville, SC | 2016

Our loan officer was Michael Owens. He exhibited the highest traits that one would like to see in a professional! He was always available when needed; returned phone calls and emails quickly; and even responded to my our questions and concerns on weekends. A company earns its reputation through its employees; Guaranteed Rate reputation was greatly enhanced by Michael Owens.

Joseph A. - Pelzer, SC | 2016

I would not hesitate to use Guaranteed Rate for any of my mortgage needs.

Ron W. - Simpsonville, SC | 2016

We were unsure of how the "virtual" loan process would be. The last time we procured a mortgage loan, the internet didn't exist. Mike and his team made this process very easy. We were impressed. Thank you.

Timothy T. - Anderson, SC | 2016

Michael and his team was extremely helpful and very professional throughout my entire refinance process. I greatly appreciated his honesty and guidance as we worked through this important process. Thanks for a seemless and successful transaction. I really appreciate your dedication and partnership.

Sean N. - Simpsonville, SC | 2016

The loan officer was awesome. He explained everything over and above what I needed. He was very patient with me. It was my first loan all by myself and he was always willing to talk to me and answer questions and address concerns.

Ginger C. – Pendleton, SC | AUG 2015

Mike Owens was absolutely awesome through the entire experience. I think I have made a new friend for life.

George C.– Troutman, NC | July 2015

Michael Owens was excellent!

Richard D. – Baltimore, MD | Feb. 2015

"Everything was done so quickly and Michael Owens was always available to answer all of my questions. "

Eric R. - Woodruff, SC | Dec. 2014

100% satisfied with the experience. From start to finish, I was completely comfortable and satisfied with the process of the loan and the professionalism and courtesy of Mike Owens on our home purchase loan.

Sarina E.- Fairview, NC 04/19/2011

Absolutely Painless I am a first time home buyer and I searched long and wide until I finally found Mike Owens. I cannot express how I feel about Mike’s professionalism, courtesy and communication. He was quite frankly just awesome. He made me feel like somebody not just a number. I would recommend Mike to anyone, with all the confidence in the world that they will have the same experience I did. Home buying is a pleasant and painless experience with Mike Owens and his team.

Pete A. - Martinsville, VA 09/09/2011

Professional and Trustworthy I especially enjoyed working with Mike Owens, who was always ready to talk and answer my questions.

Pavy B.- Silver Spring, MD 11/30/2011

Mike Owens and his staff were great, I could not have asked for better or quicker service ... and we closed our purchase early. I will certainly recommend Mike in the future

Bob M.- Cheshire, CT 12/11/2011

Mike & his group.. Once again were top Notch..

Stephen C.- Cornelius, NC 03/22/2012

All of my questions were answered within minutes. Mike Owens dealt with me in an honest and helpful manner. The responsiveness and honesty were key factors in my determination to give an excellent rating. Mike Owens is very knowledgeable and shares his expertise freely.

Stephen R.- Rockville, MD 08/20/2012

First rate service!This is my third transaction. Each time has been timely, efficient, and hassle-free. I trust Mike Owens and the entire staff for top notch service.

Linda B.- Hampstead, NC 4/21/2013

We have enjoyed working with Mike Owens, He has helped us a lot over the past several years with refinancing. We would recommend mike to anyone we know that wants to refinance. He also helped our son purchase his first home.

Terry F. - Richfield, NC 8/12/2013

Excellent customer service Mike Owens helped me to get the best interest rate and worked to make our refi painless.

Charlie B.- Easley, SC 9/12/2013

We have used Mike Owens to refinance several times and to purchase our lake house. His office is very professional and extremely well-organized. He gets us all the information we need to make a good decision and follows through with all the details. I have had him do my parents' refinancing and recommended him many times. Mike is also very organized and a good communicator. We are always in and out of his office quickly and everything goes smoothly. Makes financing - and refinancing - very easy!

Cathy E.-. Greenville, SC 02/20/2013

Mike Owens was recommended by a co-worker. Mike did a FANTASTIC job with my closing of my house. I was approved with 4 different banks with no money down. I went with Mike with the exceptional service and follow up. My ex and I bought a house together in 2000. I was not on the loan nor the deed. Mike got with the underwriters to get a refinance. Two other banks could not do that task. Five stars to Mike’s Team. Jeannette Eassy was my underwriter and she did a wonderful job as well. Made it less...

Katherine S.- Lexington, NC 05/03/2013

Happy with Horizon Financial I was very happy with the customer service I received from Mike Owens and LeighAnne Langston. I was very pleased.

Christine Q.- Charleston, SC 05/08/2013

Mike Owens great person to work with! Mr. Owens came in as a recommendation from a friend.. and the recommendation did not disappoint.. He was up to the point with and questions and very considerate with my concerns on security of my files.. Very prompt and fast in addressing any questions, whether big or small.. I highly recommend Mike Owens!! thanks!!

Allan B. - Baltimore, MD 06/14/2013

It was a very easy refinance. Mike and his crew were efficient and great to work with.

Eric L. - Supply, NC 06/14/2013

Again, a great job on refi! Mike Owens did a fabulous job once again of helping us get the lowest possible rate and locking us in to take advantage of it. All charges were what he communicated and he guided the process to make it painless for us. Thanks so much Mike.

Ken O. - Columbia, SC 06/14/2013

Best experience with a refinance ever.We were referred to Mike Owens by a friend when I told him I was interested in refinancing my home. It was the best experience I have ever had with any finance company. The people were professional, knowledgeable, and eager to find the correct loan for me. Their follow through, and communication was outstanding during the entire process. I would highly recommend Mike and his company to anyone looking for a mortgage.

Dave H. - Simpsonville, SC 07/10/2013

I have refinanced with Mike Owens twice and would do so again. Mike is a professional who is knowledgeable and responsive. Would recommend him highly.

Carol R. - Springfield, VA 09/10/2013

Great, Easy to Work With! Mike Owens made everything so simple and easy. Very straightforward process with NO hassles. Would definitely recommend.

Michael D.- Columbia, MD 09/10/2013

I began looking a HARP 2.0 refinances in December 2012. After requesting quotes from several banks, many of whom did not offer HARP refis, I spoke with several mortgage brokers. I found that with the exception of Mike Owens, they either were less familiar with the HARP program than I was or weren't interested in HARP refis. Mike was very familiar with the program and understood how and when my property would become eligible. He was excellent, and the closing was hassle free, with a notary...

Michael D. - Fairfax, VA 08/19/2013

Mike Owens and his team were great throughout the whole process. I am a first time home buyer, so it was important to me that they answered all of my questions. They were always very prompt with their responses. Other friends of mine had said that the loan portion of buying a house is the worst part, but I would have to say it was a highlight.

Michelle M. - Charlotte, NC 05/03/2013

Mike Owens and the other staff were great to work with on the mortgage. This was the second time in the past two years that we sought out Mike Owens to help with loan decisions. Both times he and the staff provided outstanding customer service. Communication was especially outstanding...keeping us posted on all the needed paperwork and steps for the process. We communicated by phone, e-mail and text. I doubt that it could be matched my any other company.

Glenn K.- Pickens, SC 05/04/2013

About Michael

I'm originally from San Diego, CA and a University of Southern California graduate, majoring in finance and business management. I've been in the mortgage business for 20 years. I help people with one of the most important decisions of their lives and my goal is to make that a pleasant and enjoyable experience. I believe that purchasing a new home should be one of the most fun and exciting times in a person's life. I've personally helped thousands of clients do just that by earning their trust and sharing my knowledge and expertise. Referrals and repeat customers are a large part of my business. In 2012 & 2013 I was named as one of the top 1% mortgage originators in the country by Mortgage Executive magazine. My wife Jennifer and I live in Easley, SC raising 3 great kids Jake, Nick, and Summer. In my spare time, I enjoy spending time with my family and keeping up with my kidýs activities and sports. I play golf, enjoy live music, and go to the shooting range when I can.

Michael interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
Listening to the client is key to determining the best loan for them. I ask questions about long and short term goals, then make suggestions based on those goals. I help them understand the options available and walk them through the process to insure a smooth transaction.
What advice would you give new or first time home buyers?
Ask questions so you know what to expect. Be sure you understand the process and are comfortable with you new payment and obligation since it is the biggest financial decision in your life.
What part of the home loan process do customers find most difficult and how do you help them through it?
The most difficult part of the mortgage process can be the documentation requirements. I explain the importance of why we need what we need and that all applicants have to provide the same paperwork. I stress the importance of gathering the requested documents quickly.
What provides you with the most satisfaction in your job as a Loan Officer?
The most satisfying part of my job is when the client is handed the keys to their new house and the joy on their face. I know that I was part of this pleasant experience and have made a new friend for life.

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