Mike Steele - Florida Loan Officer

Mike Steele - Florida Loan Officer Mike Steele (NMLSR ID: 241787) Florida Mortgage Loan Officer - I shop the rate so you don't have to

Why Pay More......When you Don't have to!

Providing opportunities for low rates, hassle-free mortgages for buying or refinancing a home throughout FL I am a Florida based mortgage broker. I work for YOU, not the lender. I work with many different wholesale lenders to get you the best deal available. We are all selling the same money! We all have the same money, its a matter of how much are YOU willing to pay for the use of that money. We

are not selling Art Work - that would have a different cost depending on the artist�� Home loans should not cost more, just because you are working with a "preferred lender" or an "in house lender". This is your HOME and YOU deserve the best deal with the lowest cost - PERIOD - FULL STOP! When you're ready to buy or refinance make sure you reach out to get a second option on your mortgage. Looking forward to working with you, Mike
NMLS #241787

09/10/2026

Wondering how to get the best interest rate on your loan? While FHA, VA, and conventional loan guidelines are similar, the key difference is the rate itself. Big lenders might not shop around for you, but I do. I work with top wholesale lenders who offer monthly specials on VA and FHA loans, ensuring you get matched with the best option for your qualifications.

09/07/2026

Thinking about your first home purchase? While paying off the mortgage early sounds appealing, consider this: funding a Roth IRA first offers a crucial safety net. If an emergency strikes, accessing funds from a Roth IRA is far easier than pulling cash from your home. Prioritize your future and emergency preparedness.

09/03/2026

Buying a home can have a similar monthly payment to renting. In the long run, owning is beneficial because your principal and interest are fixed. While taxes and insurance may rise, rent payments will also increase, covering someone else's costs. Mortgage payments build equity by paying down principal, acting as a forced savings.

09/02/2026

You're paying a mortgage either way. When you rent, that payment includes taxes, insurance, and upkeep for your landlord. Owning a home means paying taxes, insurance, and building equity with your principal payments. You're always paying to live somewhere – the question is, who benefits?

08/31/2026

Lenders aren't just selling money; they have specific guidelines and overlays. For FHA, VA, or conventional loans, understanding these differences can be key. Some lenders have overlays like minimum credit scores, while others, like brokers working with numerous partners, offer more flexibility.

07/25/2026

Struggling with affordability as a first-time homebuyer? Don't overlook insurance costs! One family member found a $1,000 annual difference between two similar-priced homes due to their build year. Always check insurance rates immediately when viewing properties.

07/25/2026

You find a home that checks all the boxes, put in a full-price offer with closing cost assistance, and are told there's another offer. The sellers counter with a higher price and some closing cost help. The home has been on the market for a year. Do you walk away or keep negotiating?

07/22/2026

Thinking a home is 'newly listed' and a seller won't budge on price? This family member learned that's not always true. Homes can be relisted after being taken off the market. Always research a home's true listing history, taxes, and insurance costs before making an offer.

07/21/2026

Closing costs aren't one-size-fits-all. They vary significantly based on taxes and insurance, which differ per home. For first-time buyers seeking seller concessions, talk to your loan officer BEFORE signing. Ensure you know the exact tax and insurance figures for that specific property to avoid leaving money on the table – funds that could lower your interest rate or purchase price.

07/19/2026

A realtor said a lowball offer is horrible and won't be accepted? That's crazy! You're the one paying the monthly mortgage, so you have the right to negotiate. Especially today, don't let anyone force you into offering full price unless you truly want to.

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Cape Coral, FL

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Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 9am - 8pm
Sunday 9am - 8pm

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