A smoother path to homeownership.
Michael runs a structured, seamless loan process for every client. With advanced mortgage tools and real-time updates, he keeps buyers and their realtors one step ahead, from pre-approval to closing.
.JPG)
San Juan Capistrano, CA · Licensed through Sea Country Mortgage Inc. dba Mares Mortgage, NMLS 246471.
Pickthepaththatfitsyourplan.Michaelreviewseveryapplicationpersonally,frompre-approvaltoclosing.
FHA for first-time homebuyers, plus options for ITIN borrowers and self-employed buyers who qualify with a profit & loss statement.
Get pre-approved before you start touring homes.
Open a line now and draw only when the right opportunity appears.
Not a commitment to lend. All loans are subject to credit approval, underwriting and property eligibility. Rates, terms and programs are subject to change. ITIN and profit & loss loans are non-QM programs, not FHA loans.
The best opportunities rarely arrive on schedule. A home equity line of credit can sit open and unused until the right moment: a down payment on a rental, a property priced below market, an ADU or a new business.
Michael sets up the line while there's no pressure, so the capital is already in place when you need it.
Approval, appraisal and paperwork done while there's no pressure.
Nothing drawn. The line waits, ready, while you keep living your life.
The right property, the right price, the right timing.
Move with confidence while others are still arranging funds.
Patience is key. But preparation is made by establishing resources in advance.
The best opportunities rarely arrive on schedule. You never have to force a deal.
Set up your resources before you need them, not in the middle of the opportunity.
Ready capital is the best way to be prepared. Sellers favor buyers who can move.
A HELOC is secured by your home. Interest is generally charged only on the amount you draw, and some lines carry annual or inactivity fees. Rates, terms and eligibility vary; review the details with a licensed loan officer before you apply.
Efficiency, expertise and clarity are the hallmarks of Michael's work at Mares Mortgage. Whether you're a first-time homebuyer or an experienced investor, he helps you understand every option so you can secure the right financing, and keeps you informed from pre-approval to closing.
Everyloanfollowsaclear,organizedplan,sonothingslipsbetweenpre-approvalandclosing.
Advancedmortgagetoolskeepyouandyourrealtorinformedateverystep.
He walks you through every available option so you can choose the financing that fits.
From first homes to investment properties, he makes the process efficient and worry-free.
Call or text (949) 412-7978, or email michael.olmos@maresmortgage.com. Michael will walk you through your options in plain language.
MichaelOlmos,SeniorLoanOriginator·NMLS2369025·DRE02177704.SeaCountryMortgageInc.dbaMaresMortgage,NMLS246471,DRE01174680,32172-ACaminoCapistrano,SanJuanCapistrano,CA92675.EqualHousingOpportunity.
.png)