Michael Stowers, NMLS ID 1573007

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United States
La Mesa, CA
Michael Stowers, NMLS ID 1573007

At Loan Depot we offer more than 300 different loan programs to help get you leveraged properly loanDepot.com, LLC dba imortgage NMLS ID 174457.

Michael Stowers, Loan Specialist, NMLS ID 1573007

At loanDepot’s Retail imortgage division, we understand that in today’s market home financing requires a company with a proven track record, financial strength and integrity. Our unwavering commitment to excellence in these three key areas has made us highly regarded within the industry. As America’s fifth largest retail lender, loanDepot has fund

ed nearly $100 billion in home, personal and home equity loans since 2010. We employ nearly 6,000 associates nationwide, 1,700 of which are licensed loan officers holding over 12,000 state licenses. Our company is founded on the principles uncompromising ethical standards, best-in-class customer care and a passionate entrepreneurial spirit, ensuring that we deliver a full suite of high quality, competitively priced lending products to borrowers nationwide. For information on quality loan products in your area, please connect with Michael. loanDepot d/b/a imortgage NMLS #174457

Rates, terms, and availability of programs are subject to change without notice. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act CRMLA 4131040. Regulated by the Division of Real Estate. For additional licensing please visit www.imortgage.com/licensing.

06/04/2026

🏡 Would you rather get $20,000 at closing or save about $130/month on your mortgage?

Most buyers automatically think a price reduction is the better deal… but that’s not always true.

On an $800,000 home, a $20,000 seller credit can help cover closing costs, reduce your upfront cash, or even buy down your interest rate. In many cases, it delivers more immediate value than a $20,000 price cut.

💡 Here’s the surprising part: it could take roughly 13 years to recover the same $20,000 through the lower monthly payment from a price reduction.

If you’re planning to buy and hold the property long-term, the seller credit may be the smarter move.

Watch the video for the full breakdown 👇

FirstTimeHomeBuyer SanDiegoRealEstate RealEstateEducation MortgageBroker Homeownership

05/22/2026

Waiting to purchase a home might be the most expensive decision you ever make.

Imagine this world in 30 years from today 👇
🏡 $3.2M Average homes
💸 $6500-$8500 monthly rent
⛽️ $15/G
📉 …but your income isn’t keeping pace

I believe America is becoming a renter nation. Let’s fix that!
This is exactly why smart buyers don’t wait for the “perfect time.” ❌
They focus on getting in the game early. ✅

Because it’s not about waiting to buy…it’s about buying and waiting ⏰ 📈

The longer you wait, the more the gap can grow.

05/21/2026

🏡 Buyer in 2021: “I’m gonna wait for prices to fall.” San Diego median priced home: $760k
🏡 Buyer in 2022: “Rates are too high, I’ll wait.” San Diego median priced home: $854k
🏡 Buyer in 2023: “Surely the market will crash soon.” San Diego median priced home: $931k
🏡 Buyer in 2024: “Maybe next year…” $1,010,000
🏡 Buyer in 2025: “See prices dipped and they will continue to go down!” San Diego median priced home: $980k
🏡 Buyer in 2026- “Rates are going back up so home prices will fall.” home prices hit all time highs at $1,030,000 for median priced home in San Diego

The truth? Trying to perfectly time the market has cost a lot of people their dream home AND thousands in equity. 💸

Real estate rewards time IN the market, not timing the market. 🔑

If you’re waiting for the “perfect time,” you might be waiting while prices keep climbing. 🚀

RealEstateAdvice HomePrices RealtorLife LoanOfficer RealEstateInvesting DreamHome

05/20/2026

🚨🏡 5 MASSIVE Mortgage Myths Costing People THOUSANDS 💸😳

Too many buyers & sellers are making life-changing real estate decisions based on outdated or flat-out WRONG information 🤯📉

Don’t let bad advice keep you from buying, selling, or building wealth. 👇🔥

❌ Myth #1: You NEED 20% down to buy a home 💰
👉 False. Many buyers get in with WAY less.

❌ Myth #2: Your credit has to be PERFECT to qualify 📈
👉 Nope. You do NOT need an 800 score to become a homeowner.

❌ Myth #3: You can easily sell your home without a realtor 🏠👀
👉 Sometimes trying to “save money” can actually cost you more.

❌ Myth #4: Going directly to your bank is always the best move 🏦
👉 Shopping options can save you BIG on rate & fees 💵

❌ Myth #5: You need to show a ton of income on your taxes to qualify 📑
👉 Self-employed borrowers have more options than they think 🙌

The truth? Most people are WAY closer to buying or refinancing than they realize 🔑✨

📲 Questions about your situation? Let’s talk.

05/14/2026

🏡 Home affordability feels tougher than ever… but there are still ways to make homeownership work. 🔑

That’s where strategy matters. 💡

We help buyers create solutions through:
✅ Non-QM loan options
✅ Rate buydowns to lower monthly payments
✅ Programs for lower credit borrowers
✅ Low-rate loan products
✅ Paying off high-interest debt to improve qualifying
✅ Using seller concessions to reduce upfront costs
✅ Fast closings to help win competitive offers ⚡️

Every buyer’s situation is different sometimes it’s not about “if” you can buy, it’s about structuring the deal the right way. 📈🏠

In a changing market, creativity + education + the right lending strategy can make all the difference. 🙌

MortgageBroker HomeBuying InterestRates SellerConcessions RateBuydown RealEstateTips FinancialFreedom CaliforniaRealEstate LoanOfficer HousingMarket

05/12/2026

The U.S. is producing more oil than ever… so why are California gas prices still climbing? ⛽️📈

AND Why is California paying $6+ per gallon while much of the country stays under $4? 🚗💨

Here’s why 👇

About 1/3 of California’s oil supply comes from the Middle East 🌍🛢️

So when conflict threatens oil production or shipping routes overseas, global oil prices rise — and California feels it harder than most 😬

The bigger issue? California refineries were built to process heavier foreign crude oil, not the lighter oil produced in places like Texas 🇺🇸

That means even though the U.S. is producing record amounts of oil, California still relies heavily on imported oil and global markets 🌎

Add in:
⚙️ Limited refinery capacity
💰 Higher state taxes & fuel regulations
📦 Supply chain issues
🌍 International bidding wars for oil

…and gas prices can spike FAST ⛽️📈

I believe we will start to see a softening of gas prices, what do you think?

05/06/2026

Hearing from your landlord that your rent is going up! 😡

The true cost of waiting to buy a home now vs in the future 👇

A $1,000,000 home today could be about $1,100,000 in just 2 years-assuming a historical average of ~5% appreciation per year.

Here’s what that really means:
• +$100,000 higher purchase price
• Bigger down payment required
• Higher property taxes (based on new value)
• +$825/month higher on your future mortgage payment

And while you wait…
• $4,500/month in rent
• $108,000 spent over 24 months
• $0 equity built

So the question isn’t “will prices go up?”
It’s how much waiting is already costing you if they do.

Time in the market beats timing the market.

05/05/2026

NEXT THURSDAY LINK TO REGISTER IN BIO 📍
Join us for a 2-part power session designed for realtors & lenders who want to serve more clients and grow their business 🚀📈

Walk away with:
• Practical strategies you can use immediately
• Stronger referral partnerships
• Tools to help you close more deals in today’s market 💼🤝

This is about real value, real connections, and real results.

And yes — lunch is provided 🍽️😊

05/04/2026

I may be a loan originator… but to my clients, I’m way more than that. 🏡
Helping families achieve their home ownership goals and helping my partners think outside the box is the mission 🎯

04/22/2026

🔥 Lunch & Learn: AI + VA Loans in Real Estate 🔥
📅 Thursday, May 14 | 🍽️ Lunch Provided

🚀 REAL ESTATE IS EVOLVING-ARE YOU KEEPING UP?

Join us for a high-impact Lunch & Learn built for real estate agents & mortgage professionals focused on what’s working right now to grow your business.

🤖 AI in Real Estate
Learn how to use AI to:
• Generate more leads
• Streamline your workflow
• Save time and scale faster

🏡 VA Loans Breakdown
• Clear up common misconceptions
• Understand key benefits for veterans
• Learn how to win more VA deals

💡 Walk away with practical, actionable strategies you can use immediately.

🤝 Network, learn, and grow with top professionals in the industry.

👉 RSVP here or DM me: https://evite.me/QZKjQKEEkK
👥 Bring a colleague-just make sure to RSVP for headcount!

Networking

Address

7777 Alvarado Road , Suite 701
La Mesa, CA
91942

Telephone

+16197334645

Website

https://www.loandepot.com/mbstowers

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