This is who I am:

I have been working in the housing industry since 1978 and have a real passion for helping home buyers and home owners with their mortgage needs. My previous background as a Realtor® gives me a unique perspective when working with real estate agents and buyers in the Bay Area. As a San Francisco native, I understand the Bay Area economy and real estate market unlike anyone without personal experience can offer. “Always putting my clients needs first has allowed me to grow my business by referrals only and allows me the time to put my energy into getting them the best rates and programs available.”

On the personal side, I live in Pacifica with my wife Karen, we have 2 children and 2 dogs. I enjoy scuba diving, skiing and cooking meals for friends and family. I am currently on the Pacifica Economic Development Committee. I am a proud sponsor of Pacificans Care! We will donate $100 for every loan completed within Pacifica to Pacificans Care; a community based non-profit organization.

This is who I help:

I love working with home buyers. My goal is to make the purchase experience easy and stress-free for my clients. All the upheaval in a home buyer's life is enough - packing, moving, changing utilities and my personal worst, a new day care provider - that you just don't need a stressful mortgage process! The same is true to a lesser degree for people who are refinancing. My top priority is to make sure my clients are presented with all available options, allowing them to make an informed decision, that’s right for their financial situation.

This is how I help my borrowers:

My team and I work with each client to determine the best mortgage program for your individual situation, taking into account both the short and long term impact to your overall wealth creation goals. We also communicate with you throughout the process so that you are always aware of what's going on with your loan application. Plus we follow up with you after closing. I'm in your life for not only the intense period of time when you're getting a mortgage, but as your personal mortgage pro for life.

I'd love to connect with you. Call me at 650-735-5261, email me at mike@mikeervin.com, connect with me on My Blog, or on Linkedin