Are you ready to buy your dream home?

Need to refinance for cash out, lower rates, or debt consolidation?

But you’re concerned about rising interest rates, closing costs, or getting the best possible price?

I believe that buying your home should not be painful.

That's why I've partnered with Hoot Home Loans to bring you an exclusive rebate program that puts money back in your pocket!

We offer VA, FHA, USDA, First-Time Buyer, Conventional, Jumbo, and Reverse Mortgages. Other options available.

Apply for a quote or preapproval today.

Welcome to your mortgage loan resource center!

As an experienced mortgage loan officer and someone who has bought and sold a couple of homes, I know that it can be a long and confusing process. As a result, I’ve gone through the process of learning how mortgage loans are originated so that I can help people get approved for a home loan as quickly and painlessly as possible.

As a long term resident of San Diego County in California and Wake County in North Carolina, I enjoy spending time outside with my wife and dog, hiking, kayaking and playing tennis and pickleball.

I served a few years in the U.S. Navy, and have been a technical systems analyst and project manager for a defense consulting company for over 23 years.

My wife is preparing to join me as a real estate agent partner, and we hope to help our clients join in the growth of real estate opportunities in San Diego and Wake Counties, as well as the entire states of California, North Carolina and Texas. With my full knowledge of getting home loans, I became a licensed mortgage loan originator and I use my skills and love for real estate to help clients across the country.

I’m committed to exceptional service, competitive rates, and a successful, fulfilling homeownership journey.

What does a Loan Officer do?

As a loan officer with Hoot Home Loans, I will act as an intermediary to bring mortgage borrowers (you) and mortgage lenders (banks, etc.) together. I will not use my own funds to originate mortgages.

I will help borrowers (you) connect with lenders (banks, etc.) and seek out the best fit in terms of your financial situation and interest-rate needs.

I also gather paperwork from you, verify the paperwork, and then pass that paperwork along to your mortgage lender for underwriting and approval purposes.

​​I work with over 30 lenders to help meet your specific needs and the list continues to grow. 

Why choose me as your Loan Officer?

​It's simple: I am fully dedicated to making homeownership more accessible, affordable, and achievable for everyone.

My approach brings powerful financial incentives, conveniently offered to streamline your experience.

I’m here to guide you through every step of the process — from securing the best possible financing tailored to your needs, to finding the perfect home that fits your lifestyle.

Reach out today to learn what rebates, specials and offers I can leverage to significantly help you reach your homeownership goals.

It’s smart, it’s strategic, and it’s available only with Mike Fincher at Hoot Home Loans.

Get started now and discover the unique Hoot advantage that makes a real difference!