Headshot of Mike Johnson

Mike Johnson

Loan Officer

Roseville, CA Mortgage Lender

NMLS #273456

Adress
10002 Foothills Blvd, Suite 100
Roseville, CA 95747
Contact Methods
Email
mobile Mobile
(916) 804-0083
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Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Weatherhead 100
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Mike

I’ve been in the mortgage industry for over 25 years – most of my adult life! I love helping people attain their dreams of homeownership and meeting their financial goals. Few experiences are more special than walking into your new home, and I want to help you feel that joy.

When you come to me for your home financing, I’ll begin by listening to understand your goals and priorities. We’ll work together to find the right home loan for you. Whether you’re a first-time homebuyer or looking for a jumbo or renovation loan specialist, you can count on me to get it done.

Transparency and communication are key to a positive mortgage experience. I’ll keep you informed throughout your home loan process, answer your questions, and be there to guide you every step of the way. From application to closing and beyond, I look forward to giving you a smooth home financing journey.

When I’m not making homeownership dreams come true, I’m with my family, friends, and my English lab. Many weekends you can find me boating and camping around beautiful Northern California.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans
A young couple preparing their ADU for their parents

Specialists in ADUs

There’s a lot of talk about ADUs. You might want a place for an elderly relative to live close to you. You could be looking for extra income from a rental. Maybe you need a quiet office to work from home.

The accessory dwelling unit, or ADU, goes by many names: in-law unit, secondary dwelling unit, granny flat, or carriage house. An ADU can be attached to the house or a stand-alone unit, and has its own kitchen, living area, and a separate entrance. Whatever your plans, you’ll probably need financing. That's where we come in.

Recent Posts and Articles

Blog

  • Published on

    Should I Refinance My Student Loans with My Home Equity?

    The federal student loan freeze has been pushed back until June 2023, which may give you some time to explore ways to repay your student loans and save money. Find out if refinancing your student loans with your home equity is the right move for you.

  • Published on

    What Credit Score is Needed for a Home Loan?

    While many factors come into play when you are qualifying for a mortgage, your credit score is one of the most important. However, before you can start working toward improving your score, you must first know what credit score is needed for a home loan. Find out what score is the best to secure your home loan.

  • Published on

    How to Lower Debt to Income Ratio

    What is debt-to-income ratio, and why does it matter when you apply for a mortgage? Find out what debt-to-income ratio is and how you can lower it.

  • Published on

    How to Get Rid of PMI?

    PMI is a form of insurance that is designed to protect a lender in the event you default on your mortgage. Your PMI payment amount will depend on the loan balance and loan to value of your loan.The good news is that you can eventually get rid of PMI.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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