Michael Gayda - NMLS# 177621

Michael Gayda - NMLS# 177621 In today’s fast-evolving lending landscape, finding a trusted guide to navigate the process is essential. Let’s make it happen together!

Sales Manager & Mortgage Originator with OVM | 20+ years helping homebuyers make informed mortgage decisions | FL, GA & IL |
AnnieMac Home Mortgage
NMLS # 177621
Equal Housing Opportunity With over 20 years of experience and thousands of satisfied clients, we’ve honed a streamlined 3-Point Approach to make your home financing journey seamless and exceptional. Clear Communication: From start to fin

ish, we keep you informed. Regular updates ensure you’re always in the know, with every step—application to closing—explained clearly and promptly. Unmatched Expertise: We don’t just provide mortgages; we deliver tailored strategies backed by deep industry knowledge. Our team stays ahead of the curve, offering insights and solutions that set us apart. Innovative Tools: We pair a wide range of mortgage options with cutting-edge technology, customized to your unique needs. Whether it’s your first home or a major renovation, we make the process efficient and accessible. We understand that every client’s path is distinct—buying new construction isn’t like purchasing and renovating a fixer-upper, and your first home purchase feels different from your fifth. That’s why we’re passionate about crafting a personalized experience that exceeds your expectations.

5.0 star review received on Experience.com for Michael Gayda by Xianggan H - Great experience. Appreciated.
09/07/2026

5.0 star review received on Experience.com for Michael Gayda by Xianggan H - Great experience. Appreciated.

Click to see all 224 reviews of Michael Gayda - OVM Financial, Sales Manager | NMLS # 177621

09/04/2026

What if you could lower your mortgage payment… without refinancing?

Most homeowners don’t know this option exists.

5.0 star review received on Experience.com for Michael Gayda - OVM Financial by Kristy L G - We had an absolutely wonder...
09/03/2026

5.0 star review received on Experience.com for Michael Gayda - OVM Financial by Kristy L G - We had an absolutely wonderful experience working with Michael and Shannon during the closing on our new home! They were both incredibly professional, knowledgeable, responsive, and helpful throughout the entire process. They made what can sometimes be a stressful experience feel smooth and easy.

Michael and Shannon went above and beyond to answer our questions, keep us informed, and make sure everything was taken care of. We truly felt like we were in great hands from start to finish.

We are so grateful for all of their hard work and support in helping us close on our beautiful new home. We highly recommend Michael and Shannon to anyone looking for a team that genuinely cares about their clients and goes the extra mile! 🏡❤️

Click to see all 223 reviews of Michael Gayda - OVM Financial, Sales Manager | NMLS # 177621

5.0 star review received on Experience.com for Michael Gayda - OVM Financial by James M G - Communication was very good.
09/03/2026

5.0 star review received on Experience.com for Michael Gayda - OVM Financial by James M G - Communication was very good.

Click to see all 223 reviews of Michael Gayda - OVM Financial, Sales Manager | NMLS # 177621

5.0 star review received on Experience.com for Michael Gayda - OVM Financial by Yarines G - You guys tried and make ...
09/03/2026

5.0 star review received on Experience.com for Michael Gayda - OVM Financial by Yarines G - You guys tried and make it happened

Click to see all 223 reviews of Michael Gayda - OVM Financial, Sales Manager | NMLS # 177621

4.16 star review received on Experience.com for Michael Gayda by Amber H - Smooth process
08/30/2026

4.16 star review received on Experience.com for Michael Gayda by Amber H - Smooth process

Click to see all 219 reviews of Michael Gayda - OVM Financial, Sales Manager | NMLS # 177621

08/28/2026

Could a Fed rate hike actually help mortgage rates?

It’s not as simple as most people think.

5.0 star review received on Experience.com for Michael Gayda by James T T - Michael and his team were amazing - again! T...
08/27/2026

5.0 star review received on Experience.com for Michael Gayda by James T T - Michael and his team were amazing - again! This is our second time working w/ Michael and Shannon and they were both wonderful to work w/ and just as impressive in handling our home buy.

08/26/2026

A recent VA guideline correction could make a big difference for some Veterans.

If collection accounts were part of the reason you were recently told you couldn’t qualify for a VA loan, this may be worth another look.

4.83 star review received on Experience.com for Michael Gayda by Ken K - Michael was knowledgeable and kept us all updat...
08/23/2026

4.83 star review received on Experience.com for Michael Gayda by Ken K - Michael was knowledgeable and kept us all updated throughout the process.

Click to see all 217 reviews of Michael Gayda - OVM Financial, Sales Manager | NMLS # 177621

Address

8665 Baypine Road, Suite 120
Jacksonville, FL
32256

Opening Hours

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

Telephone

+19048130415

Website

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