My husband and I have used Mike for our first home and the purchase of our 1st investment property. His reviews are all 5-star for a reason! He truly does go above and beyond for his clients!!! From beginning to end both my husband and I weren't used to all the attention! Any time we called with questions, Mike would call us personally to provide answers and walk us through everything to make sure we fully understood each element of the process. Especially as first-time investment property purchasers! It was scary but Mike really made the process feel effortless and was constantly going the extra mile for us! We felt like a priority during both loan processes and that's just the surface stuff! The knitty gritty? Mike knows his stuff and is willing to go to the ends of the earth to find you the best deal!! During our investment property purchase we were hoping for the best and interest rates were rising, and yet somehow, Mike still managed to magical unicorn an INCREDIBLE deal for us! I don't know how he does what he does - he pulled off two miracles and we still don't know how we got so lucky! We had a very challenging loan process with the seller and sellers agent being very difficult to work with and dragged the closing as long as possible. We were on a deadline and when the sellers/agent tried to drag the closing even longer, Mike worked with our Realtor, got another title company on board and got our loan closed within our deadline. Without going into detail Mike made the impossible happen. Truly. Mike has so much knowledge that he is so kind to share with you and throughout the process. He somehow managed to make what should be a really stressful time feel easy and make complete sense. Even when we had investment property questions he was incredibly knowledgeable and provided us with so much good advice. Most of all he was a great listener to all of our concerns, provided us with in-depth knowledge, and then fully supported whatever decision we came to. I will be recommending Mike to anyone looking for a loan ( you'd be lucky to have him on your side) to contact Mike. He makes magic happen and helps you understand it all! Trending now: #MiketheMagicalMortgageBroker read more

My husband and I used Mike Molina to buy our first home and were VERY pleased! We received highly informative daily emails and videos explaining each day of our escrow. Mike was available by phone and email to answer any questions we had or to just check in on us. We were also impressed by Team Mike Molina, his crew of assistants, that helped with required paperwork, answering questions, or just following up on the loan process. They were very hard working and communicated effectively. We would DEFINITELY recommend using Mike Molina because he is reliable, friendly, thorough, upfront and VERY helpful when you are going through your whole loan process ( which can be very stressful). We finished our loan process earlier than scheduled and a week later he called to check in and gave us lots of helpful information about moving forward as new home owners. If you are looking for a loan, Mike at Citywide Home Loans is your guy. I could go on and on about Mike Molina but I will stop now cause this review is getting pretty long! read more

Mike Molina - Mortgage Brokers Near Me - Walnut Creek, California

Two years ago I could not buy a house because my credit score was too low. I called around to different loan officers and my friend suggested Mike. After talking over the phone I felt I had someone who truly cared about my situation. I started working with Mike and never looked back, he is knowledgable, genuine and FAST. Mike generously offered his time to help me get my score up so I could qualify for a home purchase. He always answers my questions in a quick, professional and kind manner. I don't know if I would be able to buy a home without his help and guidance. I am so thankful! As a home buyer, Mike is all around the BEST loan officer I have ever encountered. His quotes are amazing, he is thorough and will answer any question you have with incredible detail. I have referred all my friends to him because I know he will do the best job. Thank you Mike!! read more

Too bad Yelp only allows 5 stars! Mike and his team top with list with exceptional & efficient customer service. They get the job done, were a pleasure to work with, made it possible for me to move into my beautiful home with a short closing period, and provided plenty of support along the way. I was pre apporved by another lender, but Mike came through with a lower interest rate and a better loan that allowed me to compete with other bidders. This was the smoothest virtual transaction I have ever experienced. Team Molina kept me informed during the entire process via phone and email seven days a week to ensure all went well with my transaction. I highly recommend Mike and his team to everyone I know because they are the BUSINESS when it comes to taking care of business. Thank you all so much for making it possible for me to create new memories in my new home with my family, friends, and new neighbors!! I never imagined buying a home could be so easy!! Team Molina ROCKS!! ;) read more

I have been a Real Estate agent since 1979. I have seen loan brokers come and go and as you may imagine I have worked with more of them than I can remember. I have never worked with anyone as "on the ball" as Mike. Although there must be people in the back room, reviewing and underwriting the loan, neither my clients nor I ever talk with anyone except Mike. He answers our phone calls quickly if not when we place them. He returns our emails quickly and best of all he sends up updates as soon as something of interest to us occurs such as " loan submitted", "appraisal ordered or received". My buyers and I always feel that we are his number one priority and that is the only feeling that we ever wants to have. Mike is knowledgeable and generous with his knowledge; no question is too off base for him to field graciously. He is kind and smart and is there to accommodate us. He is the first loan person to attend buyer's signings in many years because HE wants to meet the folks he has just assisted. Mike Molina is the best loan person I have ever worked with, and I have worked with some pretty great people. I recommend him unequivocally. read more

Mike and his team are incredible to work with. They pay attention to every detail and their customer service is exceptional. I recommend him to all of my clients. read more

We were first time home buyers and we found Mike Molina to help us with our loan. From the get go he was very responsive. We always had a million questions and he would patiently walk us through the details. He made the whole process very easy and free of tension and offered competitive interest rates for first time buyers! Towards closing we ran into an issue where the investor was taking way longer than proposed to sign off on our loan ( something completely out of Mike's control). Mike switched the loan to a different investor and personally took on the fee to give us the same interest rate we had locked. That to me was such a standout!. Mike was even there on the day we signed our title papers. He would always get back to us within a couple of hours - outstanding customer service. Come time for re fi I know who to go to. :) Thank you Mike! read more

Mike Molina was referred to me by my real estate agent and at first I was a little skeptical. You know when your friends hype up a movie too much and then you're worried you won't like it because you have such high expectations and then you're STILL totally impressed with it? That's my experience of working with Mike and his crew. I should also add that I was a mortgage broker for 2 years so I'm a knowledgable customer to say the least. First about Mike. Super friendly, extremely knowledgeable and a 10 for 10 when it comes to following through. Oh, and another thing! He always uses the phrase "under promise and over deliver" and that is just what he does. Did I mention his low rates too? Not only has Mike Molina earned our lifelong business and eternal recommendation, but I'd come right out and say you're probably getting the short end of the stick by going with anyone else. read more

Mike Molina is truly an anomaly. I had only been in one other real estate transaction at the time my realtor had referred me to Mike. I was content and comfortable entering into an agreement with my current bank, until I learned about local mortgage brokers, and Mike. Mike stands out and differentiates himself from other brokers and institutions by being extremely well-informed, transparent and honest in his feedback. As a working professional myself, I was very impressed with Mike's ability to not just sit idle and "take" business, but work with me to recommend and provide best-case scenarios and actions on my part to make the whole process smooth. Aside from that, working with Mike was a breath of fresh air. Never did I feel like I was treated as just another file in the filing cabinet. I personally remember Mike working on my behalf until the very late hours, and always made himself available over phone to discuss any questions I may have had. Even after the transaction was completed, Mike made it a point to drive all the way from Walnut Creek to Berkeley to be present with me at the time of contract signing at the Title company, something that would likely never happen with other working institutions. Now, even 4 months after the close of my purchase, I still get occasional e-mails from Mike, offering his services in the event I had any questions. By the way, Mike worked so diligently, that my contract closed in only 14 days. I strongly recommend Mike Molina for anyone looking for a very responsible and hard-working mortgage broker in the Bay Area. I know I'll be calling on him when the time comes again. read more

Mike Molina and his team at Citywide are truly exceptional. I really can't say enough about how amazing they have been to work with throughout this process. Mike is always available and accessible to explain things and answer questions, and his staff handled all the details of my home loan with utmost efficiency and professionalism. The service that Mike and his team provide is very personal - they really go the extra mile and it makes a huge difference. I would give them 100 stars if I could. read more

Mike Molina is nothing short of fabulous! As a buyer specialist there is nothing I appreciated more than a lender who gets the job done. Mike and I worked together on a very difficult transaction and he went above and beyond to assure a successful finish for all involved. Thank you Mike!!! read more

We just bought a house in very competitive SF and Mike was our amazing broker. He went so far as to write a last minute up to date profit and loss statement with the info I gave him for my business. Time was running out to finish up the loan. I really appreciate everything he did for us, every step of the way. read more

We worked with Mike to purchase our first home. We learned a lot in the process and Mike helped us every step along the way. His team are organized and work quickly which is necessary in this highly competitive bay area housing market. Highly recommend working with Mike. read more

Mike Molina and his team really are fantastic to work with. Their extremely thorough pre-approval process made my feel completely comfortable entering in to my first home purchase with full confidence. He and his team send great personal videos to help you better understand a very complicated process. This was all new information to me and I really enjoyed how they didn't just walk me through the process but they made sure I understood it as well.They were always available whenever I had an urgent question and really went above and beyond. Their communication was exceptional. I would not hesitate to recommend Mike to friends and family. read more

It's been almost two years now that we bought our house with Mike's help. Since we were moving from the East coast to California and were working at that time, the whole loan process had to be done via email (and phone conversations). Mike and his team made the process unbelievably straightforward despite the challenges of distance. But through it all, Mike's communication was excellent and the process went smoothly. In addition, even long after we closed and moved in, we have had questions about the servicing and various issues related to our mortgage. Mike has always been prompt to answer our queries. We strongly recommend Mike and his team's professionalism and efficiency. Thank you, Mike! read more

You can't find anyone better than Mike Molina. He is knowledgeable with the most current information there is. Most importantly, he answers phone calls and replies to emails!! I've worked with a lot of lenders, but none worked as hard as Mike. He actually attends and sat down with our buyers sign off at the title company. WHO DOES THAT?? MIKE MOLINA, who else... Now I cant stop referring clients to Mike. read more

My wife and I were first time home-buyers in the Bay Area, looking to buy in Oakland and chose Mike Molina and CityWide Home Loans as our Mortgage Banker/lender on a recommendation from our Realtor. Initially, we'd wanted to go with our Credit Union, but after talking with Mike and getting a feel for the competitive level of the market in Oakland, we decided to opt for Mike and Citywide as we felt it may give us the best chance of getting offers in and accepted in the most competitive time-frame. And we were not disappointed. Mike is excellent at what he does and he has a team on hand that is obviously efficient and well geared to deal with the rapidly moving Bay Area Market. From the very beginning, Mike worked very closely with us and our realtor as an integrated part of the team to lay out our financing options, discuss the relative benefits and downsides of each and advise us on all the specifics and various stages of the buying/loan process. At the very beginning he stated that he could make clients such as ourselves with limited down payment options, competitive in the Oakland single family home market - as he was thorough in his approval processes and an expert at closing within short time-frames. This was not an exaggeration! Mike actually gave us advice and assurances on offer competitiveness and his ability to maintain our edge that allowed us to reconsider an FHA based loan - opening up our options greatly. Without that advice and Mike's ability to close on FHA to back it up, I doubt we'd have been successful in our home buying efforts. We submitted several offers and for each one Mike and his team worked extremely efficiently to get approvals and re-approvals together along with some excellent and competitive closing terms that put us in the running. Mike and the team were responsive, fast and consistently thorough and I never had to worry about chasing up my lender to get a response in time for an offer. You knew they were working behind the scenes to get it all done. When it came to closing after we got an offer accepted, Mike worked tirelessly to keep his promise on closing successfully within 21 days and he did just that. There was a lot of information to provide and the team needed answers and information quickly, but as long as we kept up our end of the bargain so did Mike. Buying a home in the Bay Area is stressful, tough, and a little crazy so you need the right lender on your side to get done. I honestly don't think we'd have got our home without team Mike Molina and he was an amazing part of our home-buying team. I'd recommend him to everyone. Thank you again Mike! read more

Mike was great ! This was our first time buying a house and he explained every step of the way very clearly to us. Unlike a lot of people we know, we can't complain about the buying process, since it went very smooth. He was very responsive and friendly with all the million questions we had. He helped us get the best possible rate considering the different options. The rate obtained was were competitive. Overall, he was great to work with and we would definitely recommend him to friends and family. read more

Mike, what a disappointment!! I really did my homework on this Mike Molina with perfect unblemished reviews. However I could not disagree more with all the great comments. First hand experience started off with a great phone call but sounded offended when I asked about his experience and background, but thought nothing of it. After sending Mike contact email, which he requested he claimed he didn't receive it. After I checked my sent folder I discovered I did actually send them.??? After a couple of left phone messages, it seemed I could not get in contact him. My realtor at the time had to get involved as I resent it. He stated his phone was not working? He stated he replied back to my email and to check my spam box? I did so and nothing from him in my spam box. Plus I previously added his address to my contact list.? Not sure what to believe. So, I filled out his online applications from his initial phone call request. He stated on the original phone call the loan approval process should take 24-48hours to obtain an answer on pre approval and amount qualified after the application is turned in. No word for 5 days. Then I made more phone calls to his mobile number, left 1 message, left him 1 email msg. My realtor got involved again. Moments later Mike contacted me asking questions about my application. I provided him with more info and later that day or the next morning he finally had the pre approval info.....almost a week later that is. Fine fine, at least I'm approved now I told myself. Next I would be gifting money toward my DP and I requested him to talk to the ones gifting and to send some info. 3-4 days go by without a response from my email. I call him up and I finally reach him for once. He stated his mistake he forgot/missed the email and that he will get on it right away, which he did. By now it seemed clear to me he was far too busy and that his claims to become available and timely was highly untrue. Over 2-3 weeks have gone by by now and I'm a little frustrated with him. On a phone call I asked him to reexplain the confusing loan fha/conventional loan criteria again. He sounded upset and unwilling to do so. So the phone call ended. I later emailed him informing how poorly he was doing in the not so polite manner and that the relationship wasn't working. He returned my email that he declined to work with me further. I wonder to this day how he received great reviews? I am currently happier with my realtor and my current lender. I hope mike has improved the quality of his service since and that he does well. read more

I absolutely love Mike Molina! If you are looking for someone who is knowledgable, honest, and just want the best for you, Mike is the one for you. Me husband and I have been searching for a home for about a year. We were looking to get a new pre approval letter and we didn't want to go back to Wells Fargo (not so great experience) so we took our chances with Yelp and found Mike! Best decision we ever made. We got our letter much sooner then from the bank. (A few days vs 2 weeks at the bank!) He was always there to answer our questions, very quick to answer emails and he works with a whole team of specialists that really helps you throughout this whole stressful process. To make a long story short. We found our house and this is the most amazing part... We closed in TWO weeks! Two weeks!!!! From the time our offer was accepted to getting our keys! That's amazing! Idk how he did it but awesome! read more

Having worked with Mike for the past 2 years I can state with the utmost confidence that he has been pivotal to my success as a Real Estate Broker and to those who work for my brokerage. As the economic climate once again changes in favor of a sellers market, Mike is able to offer our buyers aggressive rates with unbeatable terms. I know of two Mortgage Brokers in all of CA that can truly do a 21 day close and Mike is one of them. Furthermore, his attention to detail, constant updates, excellent communication with both myself and the client makes him an exception in the mortgage industry. Some say quality not quantity other say the opposite - with Mike you get the best of both worlds = 20 years of industry experience with absolute professionalism. read more

1st Class Seal Of Approval I have had bad experiences in the past going through a loan process. The lack of experience and/or response time, poor communication, and feeling as though nothing really mattered except the bottom line. Well I must admit, I have had a complete change of heart when it comes to CityWide Home Loans, Mike Molina, Jessica Olsen, and their team of professionals. This has been the most rewarding loan process experience I have ever had. Top notch, A plus plus, and second to none. Not once did I have to question what was going on with the loan, where we were in the process, or what the next step would be. Throughout each phase, information was disseminated in the utmost expeditious, and technological manner, which made the process smooth and seamless, FLAWLESS, if you will. Jessica was a true pleasure to work with, it was as if we had known each other for years. Although we have never met face to face. It is my desire to oneday have an opportunity to meet the people who have helped elevate me to the next chapter in my life. Thank you from the bottom of my heart to yours. You have earned a lifetime of referrals, stamped with a 1st Class seal of approval. read more

I like Mike. In the months we have been working together I haven't bought a house. Boo. It's not for lack of trying, just how tough market has been. But it's time for this review to say I LIKE MIKE! He has been there all along answering my silly and not so silly questions. Always responsive, full of knowledge, utterly calm. He plays well with agents. Best of all, a total mensch and good guy. Try to beat his rates. I am not sure you can. I like Mike. Man, I do. read more

My wife and I were first time home-buyers in the Bay Area, looking to buy in San Leandro and chose Mike Molina and CityWide Home Loans as our Mortgage Banker/lender on a recommendation from our awesome realtor Cathryn Heilig. Initially, we'd wanted to go with our Credit Union, because they had low rates, but after talking with Mike and getting a feel for the competitive level of the market in San Leandro and everywhere else, we decided to opt for Mike and Citywide as we felt it may give us the best chance of getting offers in and accepted in the most competitive time-frame. And we were not disappointed. Mike is excellent at what he does and he has a team on hand that is obviously efficient and very adept at dealing with the rapidly moving Bay Area Market. Mike was not only able to match the rates we got from the credit union but almost produced offer letters within the span of an hour or two every time we needed one for multiple offer situations. There is no way in the world the credit union would have provided us that kind of effective service and not only that but he matched the credit union interest rate down to the last fraction of a point. Of course his services, and deservedly so, will be slightly higher than what you would pay Costco or a credit union, but it is WELL WELL worth it to have his contact on speed dial and text and have him give you responses in real time over text and phone instead of dealing with the PAINFUL PAINFUL process of calling in and dealing with the personnel at the credit union which is almost like going through the DMV to get anything done. In the long run having someone who won't cause painful delays and knows how to get through the process without mucking things up is worth the premium in this market. Buying a home in the Bay Area is stressful, tough, and a little crazy so you need the right lender on your side to get done. I honestly don't think we'd have got our home without team Mike Molina and he was an amazing part of our home-buying team. I'd recommend him to everyone. Thank you again Mike! read more

The housing search and mortgage approval process is awful. Do yourself a favor and reduce your stress and rest (a little) easier knowing you have someone in your corner by going with Mike Molina and his team. Mike is a truly exceptional mortgage lender. From the first conversation with Mike through the signing of mortgage papers, Mike was ever-available and exceedingly helpful. I always felt that I could ask him any question, no matter how small or stupid. Mike is an incredibly detail oriented person and I personally loved his style of "no surprises". Every step of the process was clearly explained and I always felt like Mike genuinely had our best interests at heart. I haven't worked with any other mortgage lenders. However, I genuinely cannot imagine any scenario in which someone can deliver better service and results than Mike. read more

Mike, and his entire team are AMAZING. He walked my husband and I through the purchase of our first home. Everyone knows the Bay Area housing market is tight, and Mike and his team helped us close in 19 days. He was amazing every step of the day. We got daily communication from him, and he and his team were super responsive to emails and calls. He has even followed up several times since our house has closed to check in and make sure everything is okay. He caught me on a stressful day, and he was so comforting to me as I cried on the phone to him (about something unrelated to the house/loan). He is not only a great loan agent, but also a very warm and kind person. Cannot recommend him and Citywide enough! read more

Mike Molina made my house happen for me. I looked for 7 months, put in many offers on all kinds of places (houses-fixers/move in ready, lofts) all the while the Oakland market kept heating up. My agent and Mike were in contact with me constantly, regularly, helping me to understand the process in order to get the place I wanted. Whenever there was terminology or concepts that seemed unfamiliar, Mike explained them to me in terms I understood. He was patient, empathetic and considerate. I never had any doubt he had my best interest at heart and worked tirelessly to make the loan happen at an excellent rate too! His style is so different from other mortgage lenders I have worked with and for that I am eternally grateful. read more

Mike was referred to us by our agent, Angelo Raymundo. Mike and his team were wonderful to work with. The loan approval process can be stressful but Mike and his team made it as stress-free as possible by going out of their way to make sure we had everything ready ahead of time that they needed. Working with everyone at Citywide was truly a pleasure. Mike came to the escrow signing even though he didn't have to and after 10 months he still takes the time to send hand-written cards to keep in touch. We love Mike and his team and couldn't recommend them highly enough! read more

Mike Molina and his team are the best in the biz! My fiance and I recently purchased our first home and working with Mike and his team made the process fast and easy. He is ridiculously fast and ever available through phone calls and emails. He even has an app! He is extremely patient and always gave us options to make sure we had everything we needed to make the best choice that worked for us. The closing process passed by in a blink of an eye (he guarantees closing in 21 days, but we closed in about two weeks which included a holiday) and he was even present when we signed the title paperwork! read more

I had the pleasure of working with Mike on a recent transaction and couldn't be happier. His in-depth knowledge helped us get past a few roadblocks and we're able to complete the transaction ahead of schedule. read more

I recently purchased my first home and was expecting a super stressful process from start to finish. I was dreading the entire loan process, so much so I was considering renting for the rest of my life. Well, finding a house I liked was the hardest part and the loan part was a breeze. Mike was completely hands on from the beginning helping me close in record time. My little family found our perfect first home and had our keys in hand all within that same month. I have never heard of escrow closing so soon! If you are looking for the home of your dreams, contact Mike who can help you with the financial end of it. He will work seamlessly with your agent and you to get you in your home in record time. Thank you Mike! read more

Mike and his team were great to work with! From going under contract to closing on the house was less than a month for our FHA loan. I was amazed at how quickly his team gathered and submitted all the necessary documentation and got our loan through. He was available to answer my questions any time I needed via phone, text or email and always willing to talk me through anything I was confused about. Very highly recommended. read more

Mike was recommended to me by my realtor. I really had no idea what I was doing, and Mike was there the entire time to answer anything and everything. I really couldn't have asked for anything more during the process. Highly recommended. read more

A realtor friend referred me to Mike after I went through two awful refi attempts with B of A and Wells Fargo. I'm a current customer of both these banks for 20+ years and the mortgage teams there are horrendous to work with. But that's another review. Working with Mike is completely different story. He sets clear expectations for what information he'll need from you and when. He is responsive at all times. I imagine there is a team working with him, but there was never a misstep or lack of communication. There was absolutely no stress in the process. No issues whatsoever with being self employed. Thanks to Mike and his team I've moved into a 30-year loan with a great rate, I am thrilled. read more

What a wonderful experience! As a first time home buyer, I was very nervous in the beginning, but Mike made me feel at ease as he was always available to answer my questions, and explain everything about the process in detail. He and his amazing team, who are all very efficient, made this completely stress free and quite enjoyable. I was able to tell Mike what I hoped for as far as payment and money down and he was able to get me into a beautiful home for less than I expected.. and much faster than I imagined possible. They closed escrow in 21 days! Incredible! Mike and his team truly have made me feel very well taken care of, and I know that they have had my best interests in mind. The personal touches along the way made my family and I feel special, and we are blessed to have been able to work with the Molina group. I look forward to the future when things come up such as refi or upgrades, and I know I am in good hands with Mike and his team behind me read more

I love working with Mike, he's the best. As a realtor he makes my job so much easier as he gives buyers the peace of mind they need in the sometimes stressful home buying process. When a client whom I had worked with for almost two years found the house of her dreams I cautiously advised she and her dad that in order to get their offer accepted, it had to be non contingent on financing and inspections. (Pretty scary.). Mike promised he could have the loan done in 17 business days AND he did it! My client was so happy. Mike does what he says he's going to do and that means everything in a transaction. I highly recommend him. read more

Mike Molina will get it done! We were originally working with another lender prior to meeting Mike. We had an issue during escrow that our lender was unable to solve, and were very close to losing our dream home. Luckily, our realtor connected us with Mike. Mike was able to utilize his connections, working overtime to solve the issue within a few short days. We were ultimately able to close on our original date, and obtained a loan with a lower interest rate than that offered by our original lender. Mike is truly a miracle worker, and we are so grateful for his assistance. We'd highly recommend him and hope to work with him again in the future. read more

Mike and his team were absolutely fantastic. I highly recommend contacting Mike if you are thinking about buying a home. They very quickly had us pre-approved so we could start making offers, and when we finally did make an offer, having Mike as our lender gave us an edge. Their rapid response time and ability to keep things moving helped put us in our first home in a few short weeks from offer to close. We were first time buyers, and the nightmares of this process were eliminated because of Mike and his team. We will definitely call them when it comes time for our next move. read more

Searching for a house can be a very exciting but also daunting experience so is finding the right lender and mortgage. I interviewed a few different lenders and chose Mike because he seemed a very honest, knowledgeable, and patient professional. I did not want to work with a pushy lender of a "car salesman personality". He walked me through all the intricacies of getting a mortgage and debunked a lot of myths about it. This really helped me understand the entire process. Mike and all his team were very responsive to all my questions and concerns - they always called me back or answered my emails within hours. Closing my escrow was very smooth and extremely quick - only 15 days! Many people did not believe that it took only 2 weeks. I would recommend him to anyone looking for a lender in a comepetitive house market. read more

Looking for someone going the extra mile when you are buying a home? Then Mike Molina is your man! I am a German resident who thought to have seen a lot in his life, but coming to the US I had to learn that I didn't . Moving to California I had to start as a nobody. Despite my great reputation and my excellent credit score in Germany, the banks in the US treated me like a boy leaving college whose father forgot to sign up for a credit card for me at the age of 2. No bank wanted to talk to me about a home loan! A friend recommended Mike after many disappointments and that is where Mike came into the game. He understood the situation and explained that it will not be easy, but that he is very optimistic to get the job done for us. Mike provided the whole service package and used all of his knowledge to make sure I am better positioned for a loan. He found the right product for us in our situation and when an unexpected situation started to jeopardize the purchase of our new home, he found alternatives that helped us buying the home that we wanted to have so badly. Mike was always on top of the situation, took my calls or responded to my mails at any time of the day, any day of the week - also when I actually didn't expect him react. He was really working hard! Even though the process was difficult at certain times given the reasons described above, Mike made it a great experience for us. I was not only learning from him during our calls, I even enjoyed every single call as Mike has been very transparent and honest. It's easy to serve customers with "normal" requests - and I am sure that this is what Mike would prefer - but in a complicated financing scenario a partner like Mike Molina is the one you want. Note: Mike cannot make the blind see, but he can make the impossible possible! read more