Michael Fagan -Senior VP of Mortgage Lending NMLS# 182530

Michael Fagan -Senior VP of Mortgage Lending NMLS# 182530 I am an SVP of Mortgage Lending NMLS 182530 at Guaranteed Rate Affinity NMLS 159867.

Michael knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation to recommend the most appropriate mortgage solutions. Guaranteed Rate Affinity offers a full range of loan products and programs to fit specific financing needs, and he makes sure to have a thorough understanding of each. Michael’s first objective is to help clients make the best choice, but that is just one aspect of his elite service. He works with homebuyers throughout the mortgage process as a consultant and guide, directing the activities of a dedicated team that includes loan assistants, processors, underwriters, and closing specialists. Michael also coordinates with real estate agents and other industry professionals to ensure that the transaction closes as quickly and smoothly as possible.

Increased rates don’t necessarily mean you should put your home search on hold. In fact, today’s decision could lead to ...
09/17/2026

Increased rates don’t necessarily mean you should put your home search on hold. In fact, today’s decision could lead to more inventory and reduced competition. When sellers are motivated to get buyers to the table, you’re the one who benefits.

Let’s talk about how you could use this to your advantage and make homeownership a reality.
https://myoc.io/cSzDDqtIhbK/auvRM



NMLS # 182530

Up and at ‘em! We’ve increased our conforming loan limits, which means your buying power is moving up too. Want to learn...
09/16/2026

Up and at ‘em! We’ve increased our conforming loan limits, which means your buying power is moving up too.

Want to learn more? Let’s connect!
https://myoc.io/cSzDDqtIhbK

NMLS # 182530

09/16/2026

20% down isn’t always required. One of the biggest homebuying misconceptions is that everyone needs to put the same amount down. Understanding your options can help you prepare for homeownership . You may be ready sooner than you think.

Let’s get to the bottom of common mortgage myths holding buyers back.
https://myoc.io/cSzDDqtIhbK/9vePK



NMLS # 182530

09/14/2026

Your rental portfolio has a story to tell, even when your tax returns don't. A DSCR loan lets your properties speak for themselves, qualifying you on what they earn instead of your personal income. It's one more way to keep building without the extra paperwork.

Curious what your next property could look like? Let's talk.
https://myoc.io/cSzDDqtIhbK/KrexW



NMLS # 182530

Decreased existing-home sales means there’s more housing inventory, making this a buyer’s market. If you’ve been looking...
09/10/2026

Decreased existing-home sales means there’s more housing inventory, making this a buyer’s market. If you’ve been looking to buy, you might have more opportunities to negotiate than before.

Want to know how to make the most of this market? Let’s talk.
https://myoc.io/cSzDDqtIhbK/MEkI7



NMLS # 182530

09/08/2026

Your home search starts long before you start browsing listings online. Taking the time to understand your mortgage options can help you stay on budget and make an offer you feel confident about. While pre-qualification gives you a general idea of what loan you may qualify for, pre-approval takes a closer look at your finances to provide a more solid and reliable picture.

Ready to take the first step? Let’s talk it through.
https://myoc.io/cSzDDqtIhbK/iXiGH



NMLS # 182530

09/07/2026

This Labor Day is a moment to celebrate the ones who keep our communities moving, one day at a time. We appreciate, acknowledge and thank you for building something special. Kick back, relax and enjoy the time off. You deserve it.
https://myoc.io/cSzDDqtIhbK



NMLS # 182530

09/03/2026

Many buyers assume that spring is the best time to enter the market, but don’t forget about fall. In reality, it’s less about finding a perfect season and more about finding what works for you. To help you consider your options, I’m happy to help you time your purchase.

Let’s start early to prepare for whatever your homebuying journey has in store.
https://myoc.io/cSzDDqtIhbK/EonsC



NMLS # 182530

Address

6031 University Boulevard, Ste 100
Ellicott City, MD
21043

Telephone

+14107158036

Website

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