With fluency in Tagalog, Michael proudly serves clients in SF Bay Area. Michael has 17 years of experience as a Home Lending Manager and specializes in lending to self-employed clients, fixed-rate mortgages, adjustable-rate mortgages, condo and co-op lending, first-time homebuyer programs, and conforming loans and jumbo mortgages. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Michael is here to help you find a mortgage to fit your needs. Starting with a review of your finances, Michael can help you get a clear picture of what might work best for you. Michael will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Michael wants to ensure that you have a positive home lending experience.