Mike Derby with FitzGerald Financial Group

06/02/2026

Starting over in a new city is exciting, but finding the right place to call home takes a little planning.

From getting to know local neighborhoods to understanding how a new market may affect your budget and timeline, being informed can make the transition smoother and less stressful.

Whether you're relocating for work, family, or a fresh start, having the right guidance can help you feel confident every step of the way.

Thinking about a move? Contact me to talk through your homebuying options in a new city.

06/02/2026

Before deciding what comes next, take a moment to ground your plan in these three essentials. 🏡

1️⃣ Where do your credit scores stand? Lenders will review both, and your options are often shaped by the lower score.

2️⃣ Is your income consistent? Dual income can be a strength, but stability is key.

3️⃣ What debts are currently in the picture? All monthly payments, such as car loans, student loans, and credit cards, are factored in.

Clarity in these areas creates confidence in every step ahead. No pressure-just a plan thoughtfully designed for you. 💍

06/01/2026

First home? Big move. We keep it simple.
No gatekeeping, no guesswork-just a clear path from "just looking" to "just sold."
We're here when you need us. Reach out anytime.

06/01/2026

5.0 star review received on Experience.com for Mike Derby by Courtney N - Mike is very easy to talk to and stays on top of everything .

Click to see all 128 reviews of Mike Derby, Loan Officer | NMLS # 1992656

05/25/2026

Today, we honor and remember the brave men and women who made the ultimate sacrifice for our country. As we spend time with those we love, let’s pause to reflect on the freedoms we enjoy because of them.

05/19/2026

Wondering if you're really ready to buy a home? Here's a quick check:

* You're ready to stay in one place for awhile
* You're pre‑approved for a mortgage
* You have savings beyond the down payment
* Your timing aligns with your lease and the market
* You understand the real costs and responsibilities

If this sounds like you, let's talk about what homeownership could look like for you. Message me anytime!

05/16/2026

On this Armed Forces Day, we salute the dedicated men and women actively serving in our armed forces. Your unwavering commitment and sacrifice protect our nation and preserve our freedoms, ensuring our safety and security. Today and every day, we honor your bravery and dedication with endless gratitude.

05/15/2026

Our communities are made stronger by individuals who consistently show up for others. Grounded in a culture of caring, we’re proud to stand behind the everyday heroes whose work creates lasting impact, supports families, and helps make our neighborhoods better places to call home.

05/13/2026

Buying your first home doesn't have to be overwhelming. A few smart moves can make the process smoother:

DO:

* Get pre‑qualified early
* Know your full monthly payment
* Keep your finances steady

DON'T:

* Open new credit or overspend
* Change jobs or income without guidance
* Rely only on online estimates

With the right prep and support, buying your first home can feel confident and clear. Let's do it together.

05/12/2026

Student loan debt doesn't mean homeownership is off the table.

Qualifying comes down to factors like your debt‑to‑income ratio, credit score, income, and down payment-not just the balance of your student loans. With today's more flexible guidelines, many borrowers are surprised by what's possible with conventional, FHA, and VA loans.

If you're wondering where you stand, let's talk through your options.