The Mortgage Mike Team at Elite Financial Team, Llc.

The Mortgage Mike Team at Elite Financial Team, Llc. Providing services to help you and your family secure a future in your home.
1017682
Equal Housing

Providing services to help you and your family secure a future in your home.
1017682
Equal Housing Opportunity

If I could tell myself ONE thing when rates were 3.5%, it would be this 👇Don’t wait for “perfect” — because perfect does...
05/27/2025

If I could tell myself ONE thing when rates were 3.5%, it would be this 👇

Don’t wait for “perfect” — because perfect doesn’t last.

I still remember talking to clients who thought “Maybe rates will drop even lower.”
Fast forward… rates climbed. Homes got more expensive. And opportunities? Some slipped away. 🥲

Here’s the truth: You don’t build wealth by chasing perfection. You build it by taking action when the timing is good enough — and making smart moves from there.

The people who won?
They locked in, they adapted, and they focused on the big picture: building equity, not playing the rate game.

If you’re waiting for the “perfect” time… just know: perfect is something you recognize only when it’s already in the rearview mirror.

🏡 Start when you’re ready — not when the headlines say so.
The right strategy beats the “perfect” market every time.

→ Share this post with someone who needs to see this!

→ Comment ‘GUIDE’ if you would like a 10-min strategy call (no strings, just value)

Hi! I'm Mike, a Colorado local helping clients navigate the mortgage process with clarity, confidence, and strategy.





Think your credit history is too messy to buy a house?👀 Trust me, I’ve seen it all — and I mean all.(Yes, even the 14 Am...
05/12/2025

Think your credit history is too messy to buy a house?
👀 Trust me, I’ve seen it all — and I mean all.
(Yes, even the 14 Amazon cards and the mattress payment plan from 2017 😂)

No judgment. No lectures.
Just real solutions to help you clean it up and move into your own place.

Because here’s the truth ➡️ Your credit story doesn’t have to define your homeownership journey.
You just need the right game plan — and the right guide.

—👋 I’m Michael Batch, a Colorado mortgage broker who believes every credit story deserves a fresh start (and a front door).



📲 You’re scrolling Zillow at midnight, heart-eyes for that cozy kitchen or dreamy backyard. It feels perfect… but is it ...
04/23/2025

📲 You’re scrolling Zillow at midnight, heart-eyes for that cozy kitchen or dreamy backyard. It feels perfect… but is it actually in your budget?

👉 That’s where mortgage preapproval comes in.
It’s your golden ticket—showing you what you can actually afford and giving sellers proof you’re serious. In today’s market, that edge matters.

What you’ll need:

✔️ Pay stubs & tax returns
✔️ Bank statements
✔️ Credit check

Once preapproved, you’ll get a letter that acts like a VIP pass to house hunting

Let’s get you pre-approved!
Comment or DM me “APPROVED” and I’ll take it from there—easy as that.

Found this helpful?
Follow → The Mortgage Mike Team at Elite Financial Team, Llc. for daily mortgage tips.

👋 Michael Batch—a Colorado native and local helping first-time homebuyers navigate the mortgage process with clarity, confidence, and strategy.



04/17/2025

Let’s talk about what you actually need (money-wise) to buy a home in Colorado 👇

1️⃣ YOUR DOWN PAYMENT

For most first-time buyers, you can get started with as little as 3% down.

But here’s the tradeoff:

👉 The lower your down payment, the higher your monthly payment.

Wanna play with the numbers?

Use a mortgage calculator (I like Fannie Mae’s!) and test different price points + down payments.
Then, set a goal that makes sense for your monthly budget.

2️⃣ CLOSING COSTS

These often fly under the radar, but they’re a biggie.

Typically around 2–3% of the purchase price (I used 2% for this example).

And nope — this is not included in your down payment.
It covers all the behind-the-scenes stuff: title work, transfer taxes, and other “fun” fees that make the home officially yours

👋 Hi, I’m Mike Batch—a Colorado local helping first-time homebuyers navigate the mortgage process with clarity, confidence, and strategy.

Follow Me for your daily mortgage tips!





04/16/2025

Is skipping one latte gonna buy you a house? Nah.
But spending $48.70 a day like clockwork? That’s a whole different story. 😬

This isn’t about saying goodbye to avocado toast forever—it’s about realizing you might be spending your down payment one swipe at a time.

🏡 What would you rather have 12 months from now:
Another iced coffee…
or the keys to your own place?

— Mike Batch, a Colorado local helping clients navigate the mortgage process with clarity, confidence, and strategy.





Michael Batch
04/14/2025

Michael Batch

04/14/2025

FIRST TIME HOME BUYERS

Let’s be real—buying your first home can feel overwhelming. Rates, approvals, down payments, credit scores… it’s a lot. But the good news? You don’t have to Google your way through it.

📲 You just need someone who’s done this a few hundred times and knows how to make it simple.

I’ve got the answers, the strategy, and the step-by-step game plan.

👉 Share this with someone who’s been window shopping on Zillow for months
💬 Comment “🏡” for guidance or to get pre-approved
🔖 Save this for when you’re ready!

— Michael Batch, a Colorado local helping clients navigate the mortgage process with clarity, confidence, and strategy.





04/10/2025

Listen up! This is a good one today!!!!!

Let’s be real—
Most people in Denver renting a 3-bed, 2-bath are paying around [ $2,500] a month. Some, even more. My Tenants are paying $3100 a month.

It doesn’t feel like much month-to-month… until you do the math.
That’s $90,000 to $111,000 in 3 years. 💸 Gone.

Now imagine this:

Same monthly payment… but instead of paying your landlord’s mortgage, you were paying your own.
Instead of asking for permission to paint a wall, you’re knocking one down to open up your kitchen.
Instead of renewing your lease, you’re renewing your equity.

And here’s the kicker…
Even if you bought slightly outside of town—maybe just 10 or 15 minutes from downtown—you’d likely be paying less monthly and watching your home grow in value year over year. 📈

This isn’t a “maybe one day” scenario.
This is a make it happen this year kind of energy.

Drop a 🏡 if you’re tired of paying for someone else’s future.
Let’s talk about how to make homeownership work for you—even if you think you’re not ready yet

👋 Mike Batch—a Denver local helping first-time homebuyers navigate the mortgage process with clarity, confidence, and strategy.

Michael Batch
[email protected]
720.480.3358
Apply at eftloans.com/mike-batch

04/09/2025

SPOILER ALERT: the lowest rate might not be your best bet.
And no, you’re not too old, too young, or too late to buy a home.
What you do need? Someone who breaks it all down without the jargon or pressure.

👋 Hi, I’m Mortgage Mike—a Colorado local, Scotch drinker, Archery hunter, Real Estate investor and a dedicated mortgage expert making home financing feel less overwhelming—and way more empowering.

Got questions? DM me anytime or comment ‘🏠’ and I’ll reach out.





04/03/2025

Math Time!!!!

For those of you that hate math... stay with me! I'll do it for you!

I hear the same 2 reasons for waiting every day... "I want to wait for rates to drop", and "I am just going to save a little more money so I can have a better down payment".

Waiting is only going to cost you more money and allow you to purchase less of a house, than if you were to start building equity right now!

Example:
Rent = $2200
12 months * $2200 = $26,400

Average Appreciation of a Home in 12 months = 4.3%

4.3% * $500,000 Purchase = $21,500

$21,500 + $26,400 = $47,900

That's $47,900 that you are missing out on by signing a 12 months lease, paying your landlords Mortgage and investing nothing in yourself!

Remember - Rent is 100% Interest! So, while you're waiting for the rates to come down to the Glory days of 2020, or your are trying to pinch pennies to save, you're losing money. and actually putting yourself further behind.

"Date the Rate, Marry the House"

Words to live by in this market! I truly hope this resonates with some of you potential buyers out there!

Call me for any questions. I am happy to help! No obligations! Just 13 years of knowledge and experience to help you and your family advance financially.

Mike Batch
720.480.3358
[email protected]
Apply at eftloans.com/mike-batch

TYPES OF LOANS AS COFFEE ☕️ 👀Ever looked at all the loan options and thought: ‘I have no idea what any of this means’?Le...
04/02/2025

TYPES OF LOANS AS COFFEE ☕️ 👀

Ever looked at all the loan options and thought: ‘I have no idea what any of this means’?

Let me make it simple (and way more fun): I broke down loan types as your favorite coffee orders.☕️Because let’s be real—home loans can feel confusing, but they don’t have to be.

👉 Swipe through to find your match.

Tag your favorite coffee shop in the comments below. ☕️🏡

— The Mortgage Mike Team at Elite Financial Team, Llc., proudly serving [Colorado] as your friendly, local mortgage pro






Mike Batch
Elite Financial Team, LLC
720.480.3358
[email protected]

Address

11160 Huron Street, 37/201
Lakewood, CO
80232

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+17204803358

Website

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