Elevating Bay Area Dreams: 22 Years of Mortgage Mastery
As I reflect on my journey as a mortgage broker in the vibrant Bay Area, I'm deeply grateful for the trust and confidence bestowed upon me by countless clients over the past two decades. Today, I stand proud, not just as a seasoned professional, but as a steadfast advocate for turning dreams of homeownership into tangible reality.
With over 22 years of unwavering commitment to excellence in the mortgage industry, I've had the privilege of facilitating over a billion dollars in closed loans. Each transaction represents more than just numbers; they embody the aspirations, ambitions, and milestones of individuals and families seeking to build their futures in this dynamic region.
What sets me apart in this competitive landscape? It's not just the breadth of experience or the impressive figures, though they speak volumes. It's the deeply ingrained dedication to personalized service, integrity, and a relentless pursuit of client satisfaction that defines my approach.
In the ever-evolving landscape of real estate and finance, my commitment to staying ahead of the curve is unwavering. I continuously invest in expanding my knowledge, refining my skills, and leveraging cutting-edge tools and technologies to streamline the mortgage process and ensure seamless experiences for my clients.
Whether you're a first-time homebuyer navigating the exciting journey of purchasing your dream home or a seasoned investor looking to optimize your portfolio, rest assured, you're in capable hands. My mission is simple yet profound: to empower you with the expertise, guidance, and support you need to make informed decisions and achieve your homeownership goals.
As I embark on the next chapter of my journey, I invite you to join me in shaping brighter futures, one mortgage at a time. Let's connect and explore how together, we can transform your homeownership dreams into a thriving reality
About Me
Senior Loan Officer-NMLS #237295
Pacific Bay Lending, Inc
MC
Michael delivered excellent results and provided exceptional service again! I’ve used him for every mortgage loan for more than 14 years now. He’s so knowledgeable and helpful. He serves with the highest integrity and honesty. I recommend him to everyone looking for a loan.
CB
As first time home buyers, Mike made the loan process approachable and stress-free, anticipating our questions and answering them with patience and kindness. He was extremely proactive and efficient, and we were able to close on our home in less than 2 weeks because of him. It was a pleasure to work with Mike and we highly recommend him!
LS
I will be quick here.
I shop with 3 brokers.
2 of them told me they were the fastest, and that I would have the best rate. Some good numbers were mentioned, a lot of documents requested, multiple people working on it, writing me and calling me all the time.
Michael from day one told me what would happen, straightforward, explained how things work and the first to fully approve my loan. I kept working with the other 2 to compare, but I kind of wasted my time as their sales pitch were disappearing, real numbers were in place and things they didn't mentioned before were coming.
Don't waist your time (if you are buying, I know you dont have time), go with Michael.
I shop with 3 brokers.
2 of them told me they were the fastest, and that I would have the best rate. Some good numbers were mentioned, a lot of documents requested, multiple people working on it, writing me and calling me all the time.
Michael from day one told me what would happen, straightforward, explained how things work and the first to fully approve my loan. I kept working with the other 2 to compare, but I kind of wasted my time as their sales pitch were disappearing, real numbers were in place and things they didn't mentioned before were coming.
Don't waist your time (if you are buying, I know you dont have time), go with Michael.
MM
Working with Michael on obtaining a loan and through the refinance processes has been wonderful. His expertise and guidance simplified what felt like a complex process when we started. Through Michael's advice we've secured the best available rates for our loans and insurance. He's fully committed to ensure his clients receive the best possible options available and he follows up when a better option is available.
MB
Michael Zoppoth came highly recommended by several friends and he did not disappoint! Everything went smoothly even with some complications on my end. He was delightful to work with, very efficient and we closed in 2 weeks as promised once. I couldn't have asked for more.I look forward to continuing to work with Michael and will definitely recommend him. Thank you!
SF
Michael was an asset during my home buying process. He enabled me to be more competitive by offering a rapid close, worked closely with my agents to ensure nothing was missed, and always had my best interests in mind. I highly recommend working with him for your home purchase!
AZ
Michael is a rock star! Super fast process from the first conversation through deal closing. Walked me through every step and made sure all the expectations are clear. Personally followed up on every step needed and walked an extra mile to ensure complete and utter success. Highly recommend Michael, he is amazing!
JS
My husband and I just bought a condo at a lightning pace, and Mike was there with us every step of the way. Mike was extremely friendly, responsive, supportive and proactive in terms of explaining things to us. Even better, Mike does full underwriting from the start, so that we were able to offer the seller a quick close to make our offer more attractive. It was a blur, but we closed in less than 12 days. He was a pleasure to work with and I feel in good hands moving forward as Mike will watch the rates and let us know when it's time to refinance.
JA
Michael Zoppoth is absolutely amazing. Not only is he a great human being, but he also happens to be exceptional at his job! He is a complete joy to work with. Michael worked extremely hard to make the financial aspect of my home buying process a walk in the park. He was always steps ahead of the process, and kept me prepared every step of the way. He provided me with extremely relevant and thoughtful suggestions and advice, and his years of experience were definitely evident. If you want a powerhouse on your team during your home buying process, Michael Zoppoth is your guy. Mike, I can’t thank you enough, and for those reading this, I can’t encourage you enough to call him. He muscles his way through, and I believe we closed in 8 or 9 days. Talk about incredible!!!
NV
Mike was so great to work with! He helped me close my home in less than 2 weeks. He was on top of everything and patient with me when I needed explanations on some of the documents. If I had any questions, he was always quick to respond. I would highly recommend working with Mike!
JM
Mike was amazing to work with, his communication and helping us understand the process was very helpful since we were 1st time home buyers.
We wrote an offer with a 21 day close of escrow and Mike closed our loan in 10 days. He also in this current interest rate market found us the best possible rate.
Very highly recommended
We wrote an offer with a 21 day close of escrow and Mike closed our loan in 10 days. He also in this current interest rate market found us the best possible rate.
Very highly recommended
MJ
Mike was a life saver, we were pre-approved with a SF bank ( not thought Mike) that is now in deep trouble.
We wrote an offer on a home based on that approval. Once we notified the bank we were in contract they all of a sudden lowered our approved amount stating due to the crisis they could no longer honor the full amount of our approval.
Then our realtor recommend us to Mike, he had us fully approved in 1 hour and he closed out purchase in 13 days. Mike is not only a life saver he is also wonderful to work with the entire process was very smooth and his communication is outstanding.
Thank you Mike, you are truly amazing.
We wrote an offer on a home based on that approval. Once we notified the bank we were in contract they all of a sudden lowered our approved amount stating due to the crisis they could no longer honor the full amount of our approval.
Then our realtor recommend us to Mike, he had us fully approved in 1 hour and he closed out purchase in 13 days. Mike is not only a life saver he is also wonderful to work with the entire process was very smooth and his communication is outstanding.
Thank you Mike, you are truly amazing.
MB
Michael was so great at helping us purchase our first home. He was incredibly knowledgeable, very patient, helped educate us about the process and was always available to answer any questions we had. We would highly recommend working with Michael!
MC
Michael was great at helping us with our first home purchase experience. He was incredibly knowledgeable and helped educate us a long the process. I would highly recommend working with Michael!
MD
As a first time home buyer Mike was awesome to work with. Efficient and responsive, he also patiently answered any question that I had along the way. I will definitely use Mike for any refinance I do in the future or future home purchases. Highly recommended!
MS
We were referred to Michael from our real estate agent, Michael was super responsive and had our pre-approval done in less than one hour. We went into contract a few days later with a 15 day close of escrow, Michael closed our loan in 9 DAYS!!!!
Highly recommened a real PRO....
Highly recommened a real PRO....
MC
We love Michael and have used his mortgage services for 10 years now. Most recently, he suggested that we submit an offer with a 14-day close. The offer was accepted very late on the Friday night of Memorial Day weekend, and 14 calendar days later (counting the holiday!) we closed escrow on Friday morning. He exceeded all expectations - lightening fast service and responsiveness, great professionalism, plus we were able to lock in a great rate (all before the latest spike in interest rates). Michael is a joy to work with. We highly recommend him to anyone who needs mortgage services.
ML
Michael got us the best rate. He worked seamlessly with our realtor, bank lender, and title company to close efficiently. I would definitely work with Michael again for refinancing or purchasing a new home.
A
We used Mike Z for our mortgage when we bought our house. As first time home buyers we really appreciated all of Mike’s efforts. He got us a really terrific rate on the loan. He was very easy to work with. That was important because the seller changed the closing date on us and other issues came up. It was a pleasure to work with Mike and we would be happy to recommend him to others or to use him again in the future.
JZ
Having not purchased a home in 40 years, I felt the luckiest personal alive to have Mike lead me through the process, offer competitive rates and advise me on how the mortgage process would proceed. He even suggested a very capable and efficient Title Company to make the process go more smoothly. Mike was professional, yet personal, and made the qualification and closing process seamless. Don't look anywhere else!
JF
Mike did a great job navigating us through our re-fi, from helping us find the best lender/rate to bringing us to a quick and efficient close. Highly recommend!
MM
I can't say enough good things about how Mike guided us through the refi process.
He is professional, knowledgeable, efficient and able to explain difficult concepts in a clear, comprehensible way. He got us a great rate and closed in record time. In an age when it's rare to even reach a human being by phone, Mike was very responsive, easy to reach, and quick to provide answers. Above all, he's warm, friendly, and easy to work with, not to mention funny!
He is professional, knowledgeable, efficient and able to explain difficult concepts in a clear, comprehensible way. He got us a great rate and closed in record time. In an age when it's rare to even reach a human being by phone, Mike was very responsive, easy to reach, and quick to provide answers. Above all, he's warm, friendly, and easy to work with, not to mention funny!
SJ
Mike did an outstanding job on our purchase. We wrote a 21 day close of escrow into our contract and Mike closed our loan in 11 calendar days and that included an appraisal.
Not only did we close at record speed Mike locked us at a rate that was in the mid 2's
I can not recommend Mike enough.
Not only did we close at record speed Mike locked us at a rate that was in the mid 2's
I can not recommend Mike enough.
NJ
Michael was just great - on top of things, got everything through ASAP and made the application successful quite quickly as well as a great rate! thanks
JS
Mike was recommended by a trusted friend, and I am happy to pass on the recommendation to you. Mike was great to work with. He was so helpful in guiding me through the process of refinancing my home mortgage at an unbelievably low rate. Thank you Mike for your expertise, and for facilitating the process, which was remarkably fast and easy!!
