California Coastal Loans

619-630-5629 Office   |

NMLS 1928943, DRE 01758451, CO NMLS 1533336, CO DRE 02013430


Years of customer service, sales, and entrepreneurial ventures have shaped Michael's relationship-focused approach to mortgage lending. Clarity, education, and communication are the three main goals he focuses on with every client. This approach makes him a trusted advisor to his past clients and a valued partner with his Realtor relationships.

Michael is a two-time cancer survivor having his first bout in 2015 and a second more aggressive fight between 2019-2020. He has found gratitude for these experiences because he now lives a more purpose-driven life. Helping others get "unstuck" from their un-serving habits and self-dialogue is a blossoming passion, and he seeks to help others. A recent interview with the Invictus Mindset has revealed that storytelling is an impactful way to connect with others. As a result, he has begun writing his story of resilience in hopes others will find their path to a purpose-driven life.



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Our clients receive a personalized analysis, custom tailored to meet their specific goals and needs for their new home. Our team focuses on helping to achieve these goals through listening attentively to what is important to you and your family and we incorporate a host of ideas such as; principal pre-payment advice, debt reduction strategies and increased net cash flow opportunities. We understand that purchasing a home is the biggest financial decision most families will make. Our team is here to help guide you through the process and successfully navigate the path to home ownership.



Refinancing an existing mortgage make sense for many reasons, but the most common reason is the ability to save our clients money. Another common reason for refinance is to pull cash out of a property for home improvement, sending a child to college, or assisting a family member with down payment money for their dream home. Our team has the expertise to make sure you are aware of all of the options in order to make the best decision for your family. We incorporate our unique mortgage planning analysis to gather your most important goals and needs so we can align your new mortgage with those goals and needs.