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Home > Financial Services > Mortgage Brokers > Cliff Michaels & Associates
Cliff Michaels & Associates
A mortgage broker is an individual or firm that acts as an independent agent for both the borrower and the lender of a mortgage loan. Mortgage brokers are the middleman between you and the lending institution, which can be a bank, trust company, credit union, Mortgage Corporation, finance company or even an individual private investor. A mortgage broker will analyze your financial situation to determine which lender is the best fit for your loan needs. He or she will submit your mortgage application to one or more lenders in order to sell it, and works with the chosen lender until the loan closes. He or she receives a commission from the borrower if the loan closes.
Cliff Michaels & Associates provides you with a powerful network of residential and commercial banks, and a powerful network of top 1 percent brokers on every deal. Their reputation for negotiation expertise, service excellence, and access to the best wholesale bank rates, makes them the no.1 choice of discerning homeowners, top real estate professionals and financial planners.
Now in third decade as a mortgage and real estate broker, investor, credit expert, author, speaker and entrepreneur, Cliff Michaels has experienced the high flying 80's, recovering 90's, and 21st century booms. An aspiring entrepreneur at the University of Southern California, Cliff began real estate investment during the eighties and started his brokerage in 1991.
Whether you need residential or commercial services, mortgages, credit consulting, or help locating the best real estate broker for your listing or purchase needs, put their team to work. With over $1 billion in closed transactions, your investment strategy will be in good hands. They offer Residential Mortgage Services, .Commercial Mortgage Services, Realtor Network and Brokerage, Construction Loans, Credit Services, .Mortgage and Financial Calculators, Training and Consulting.
They assist you through six basic steps in procuring a loan for buying a house or renovation of your home. The six steps are Getting your documents organized, convincing the loan company that you qualify for the loan, explains the best loan plans from various companies available within your budget, applies for the loan, obtains approval for the loan, and assists in closing the loan. They achieve this through their correspondence with the most competitive lenders operating in the region and a team of experienced, knowledgeable staff.
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