Michael Santos

Michael Santos Residential mortgages FHA & CONVENTIONAL Purchase or Refinances 1 TO 4 FAMILY HOMES. First time hom First time home buyer expert. NMLS 199875

Most people don't know how many financing options are actually available.From DSCR loans and multifamily financing to gi...
06/01/2026

Most people don't know how many financing options are actually available.

From DSCR loans and multifamily financing to gift funds, foreign national programs, and alternative qualification solutions, there may be more paths to homeownership or real estate investing than you think.

The first step is understanding what's possible.

Let's talk about your goals and find the right strategy for you.

šŸ“ž Ready to explore your options? Let's talk today!

The best part of this business isnā€™t the transactions.Itā€™s the trust people place in you to help guide one of the bigges...
05/29/2026

The best part of this business isnā€™t the transactions.
Itā€™s the trust people place in you to help guide one of the biggest decisions of their lives.

Helping clients come back for their second home means everything to us. Grateful for every family that trusts LionOak Mortgage and me through the processšŸ”

05/27/2026

People ask me all the time what makes LionOak different.

Simple. We actually care.

This business isnā€™t just rates and numbers to me. Every client has a goal, a family, and a future behind that loan, and we treat it that way from day one. Transparent guidance, real options, and a team that genuinely wants the best for youšŸ”

Anybody can quote a rate. Not everybody leads with heart.

05/22/2026

Pointsā€ get thrown around a lot in mortgagesā€¦ but most people donā€™t actually know what they mean.

In this video, I break down the difference between discount points and origination points, and why it matters before you close on a loan.

A better understanding now can save you a lot lateršŸ”

Proud to share that Iā€™ve been recognized as one of the 2026 NAHREP Top 250 Latino Mortgage Originators nationwide Ranke...
05/20/2026

Proud to share that Iā€™ve been recognized as one of the 2026 NAHREP Top 250 Latino Mortgage Originators nationwide

Ranked #244 nationally and #17 in the Northeast.

But the part Iā€™m most proud of isnā€™t the ranking itself, itā€™s what it represents behind the scenes: 102 families helped, over $51M in sales volume, and a business built on relationships, consistency, and trust.

To every client, realtor, attorney, investor, and referral partner who continues to support LionOak Mortgage, thank you. Weā€™re building something special, and this is only the beginningšŸ”„

05/18/2026

I didnā€™t buy enough.

Back in 2008, when the market collapsed and banks froze, most people panicked. I thought my career was over.

But the investors who stepped on the gas and bought everything they could? They are multi-millionaires today.

Market trauma makes people look for the exits. Donā€™t. When things get dark, thatā€™s your cue to go full throttle and invest in yourself.

If you believe in the game, double downšŸ“ˆā˜•ļø

Drop a šŸ”„ if youā€™re ready to step on the gas


The "perfect credit" myth is costing you time. šŸ“‰You donā€™t need an 800 score to win in this market. You need a structured...
05/18/2026

The "perfect credit" myth is costing you time. šŸ“‰

You donā€™t need an 800 score to win in this market. You need a structured profile. A 680 credit score with clean debt-to-income math beats a 780 score with unmanaged debt every single time.

Stop waiting on the sidelines for a score you might not even need. šŸ¦

Get a clear strategy, not just a credit check. Comment "CREDIT" below to see your actual options.

05/11/2026

New Jersey has a lot of older homesā€¦ but that doesnā€™t mean they canā€™t become your dream homešŸ”

With the right loan program, you may be able to buy, renovate, and make it yours, with no mortgage payments while renovating.

DM me to learn more or reply Home to learn morešŸ“²

Happy Motherā€™s Day to the women who shape us, support us, and stand by us through every season of lifeā¤ļøGrateful today a...
05/10/2026

Happy Motherā€™s Day to the women who shape us, support us, and stand by us through every season of lifeā¤ļø

Grateful today and every day for the love, strength, and sacrifices that make families stronger.

Address

140 Mountain Avenue STE 101
Westfield, NJ
07081

Telephone

+19082966608

Website

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