Michael Neill

Senior Loan Officer Guaranteed Rate Affinity
Michael Neill has over 20 years of mortgage lending experience in the financial services industry. He began his career originating mortgage loans in the retail bank at Cal Fed in Los Angeles and now is honored to be a seasoned mortgage broker with the team of professionals at First Capital. He proudly serves the Palm Springs Real Estate Community utilizing his experience, integrity, and professionalism. He is a licensed California Real Estate Broker and has earned numerous sales awards during his tenure. Mike was born and raised in the Lone Star State of Texas. He is a graduate of the University of Texas at Austin with a bachelor’s degree in business administration. He is an affiliated member with several business and charitable organizations.


Jan 13, 2018
Vice president
Oct 18, 2017
Vice President
I appreciate all of the kind referrals from my happy new home owners. Thank you for your kind words and recommendations.

Enjoy your new home and I look forward to seeing you in the near future.

All the Best!!!
Sep 7, 2017
Claims Specialist
Michael Neill was wonderful to work with. He was always on top of things and in communication with me throughout the loan process. He was delightful, upbeat and funny and helped to make my home buying experience a good one.
Aug 23, 2017
Michael was excellent. He answered all questions and had everything done in a timely manner. Couldn"t be happier.

Jul 20, 2017
Social Service Administrator
Michael was wonderful to work with on my refinance. His expertise was incredibly amazing and his customer service could not have been better. I will recommend him to anyone needing a mortgage broker.
Dec 5, 2016
President Master Plant Inc.
Having known Michael for twenty years both professionaly and personally, there is no doubt in my mind that he was the right person to help me with my refi. Michael is talented, easy to work with and knowledgeable in the mortgage business. I have no hesitation in recommending him and believe that there is no one better qualified to navigate the complexities of today's mortgage world.
Nov 4, 2016
I highly recommend Michael Neill to anyone that is in market for a Mortgage Lender. His patience and guidance got us through the tedious process of owning our own home. I will be contacting him in the near future to assist us with refinancing our new home.

Thank you, Michael!


Yolanda Johnson
Oct 3, 2016
To whom it may concern:
My name is Heros Aslanian and I had the great pleasure of having Michael Neill on my side this year while going through purchasing my house in La Quinta. Words cannot express the great Blessing Michael was during this process! Although Michael followed up with me through phone and e-mail regularly to ease my mind and give me the information and status updates that I needed to know. The assurance that he gave me from our very first conversation was carried throughout the process all of the way through to the end result. He was calm, confident, professional and kind at every step.
I will recommend Michael and Fist Capital A Mortgage Company to anyone who has the need to purchase his or her new house.
Thank You
Heros Aslanian
Jul 13, 2016
Michael was a great person to work with on getting us thru the mortgage approval process. We had many barriers and circumstances and he was able to work with the underwriters and get an acceptable substitute documents. He was quick to get back to me and respond to my questions. i wound definitly recommend him to others.
Jun 27, 2016
Micheal did an excellent job on a really hard loan for us . On times when I was having a complete meltdown he would calm me down and tell me it's going to be alright. We had several issues with our loan and with the owner of the property but Michael and Cena our Realator was there to handle them . I recommend Michael Neill for anyone's next loan or even our next loan in the future. I hope that we made a friend and that we could call on Michael for any questions in the future.
Jun 23, 2016
I feel Michael handle our loan in a very professional manner. I kept us informed of issue which needed to be addressed so the process went as smooth as possible.
Much of the loan papers need to be forwarded out of State during our vacation.
Michael did not let any thing get delayed. When we returned home our loan was funded and escrow closed as scheduled. Michael made this loan experience a pleasurable one.
May 27, 2016
Director IT Systems
Mike has consistently offered the best service to my mortgage needs over the last 10 years. I have bought 5 houses and Mike has found the best mortgage rates and deals each time. He is responsive, understands the entire process and knows how to avoid the pitfalls and delays resulting in the cleanest and fastest closings.

I will continue to use Mike for all my mortgage lending needs and recommend him to all friends and contacts.
May 22, 2016
Professor of Law
I wish to express my highest recommendation for the professional work that Mr. Michael Neill performed for me in the recent purchase of my home in Cathedral City, California.

This purchase was somewhat complicated by the numerous rules and regulations covering the purchase of this home requiring dozens of legal papers having to be read and processed. More important, this purchase was further complicated because I purchased the home in the name of my trust rather than as an individual or jointly with my wife.

Michael responded to all my questions and telephone calls in a timely basis and provided informed guidance throughout the procedure He further expedited the sale so as to allow me to complete the transaction in a timely basis.

Having dealt with other mortgage lenders in the past, I would highly recommend Michael to any future borrowers because my experience was so positive.

Respectfully Yours.

Judge Robert B. Schneider (retired)
May 18, 2016
I recently retired and as such my income is currently from my investments and a company I have in another State. The Mortgage loan process is formula driven and underwriting is non existent. Michael was instrumental in equating my ability to service a mortgage within the system and significantly over regulated and frustrating requirements while calming me down and explaining the nonsensical maze that one needs to circumvent to qualify for a loan that I could alternatively pay cash. He deserves my apology and respect for dealing with me and getting me through the system.
Apr 19, 2016
Michael did a great job for us when we bought our house in Palm Desert this year.
He watched the interest rates daily and we were able to lock in an excellent 30 year loan that is a few hundred dollars/month lower than it could have been.
Jan 19, 2016
Owner Palm Springs a/c
Michael did a great job getting financing for our new house. It was and very strenuous task and Michael kept working on getting the information required to complete the loan. Thanks again.

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