Michael Hunstad

Branch Manager

NMLS #246549

Address
411 E. Betteravia Road, Suite 202
Santa Maria, CA 93454
Contact
Phone
(805) 489-6060 (805) 489-6060
Email
[email protected]
Fax
805-668-4706
Specializes in
Purchase and Refinance
Apply Now Free Rate Quote

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MEET YOUR LOAN OFFICER

About Michael

When you come to me for your mortgage, I begin by listening. I want to understand your goals and priorities so I can offer a home loan that’s right for you. You may be a first-time homebuyer or a long-time homeowner. You may be buying an investment property or looking for a renovation loan. I offer a wide range of loan programs, from FHA and VA to conventional and jumbo. You are an individual and my recommendations will respect your unique circumstances. Communication is key, and sharing information is as important as listening. I will make sure you know what’s happening with your mortgage as it progresses through the process and will be available to answer your questions. I’ll be with you every step of the way, from application to closing and beyond. Whether you are buying, refinancing, or renovating, I am ready to give you the outstanding home loan experience you deserve.

Blog

Recent Posts and Articles

  • Published on
    read

    4 Reasons Why You Should Compare Mortgages

    Are you ready to buy a house? Browse our broad selection of mortgage products and loan officers to find the best fit for your home financing situation.

    Read more
  • Published on
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    The Power of Choice When Buying a Home or Refinancing a Mortgage

    There is no right or wrong answer when it comes to selecting a mortgage. Whether you’re buying a home or refinancing your current mortgage, there are several programs to choose from to help you reach your financial and personal goals.

    Read more
  • Published on
    read

    Expand Your Horizons By Refinancing Your Mortgage

    Refinancing a mortgage does more than lower mortgage interest rates. Discover how you can get closer to achieving your life goals after refinancing your loan!

    Read more
  • Published on
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    Is This a Good Time to Refinance? 

    Trying to decide if you should refinance your mortgage? We’ve crafted a list of reasons why refinancing your mortgage could be the right fit for you!

    Read more

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Resources

Helping your home financing process go smoothly.

  • 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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

GALLERY

Inspiration for your home loan journey.

Your Mortgage Expert

Navigating the mortgage loan process is exciting and easy with the right home financing partner. When you work with us, you'll collaborate closely with a licensed professional to make sure you receive a competitive rate and an exceptionally fast and simple experience. When it's all said and done, we strive to be your mortgage lender of choice for years to come, wherever life takes you.

How to Buy or Refinance a Home

Buying your first home is a big investment. We’re here to make the process as easy as possible and keep you informed every step of the way. Whether you’re a first-time homebuyer, are buying a luxury home, or are investing in properties to build your real estate portfolio, we can help guide you through the process toward getting that new set of keys!

A Lender You Can Trust

You deserve to work with the best mortgage professionals for your home loan. We bring proven performance and integrity to the table, plus the experience to ensure an easy, streamlined transaction. We offer a broad portfolio of traditional and niche loan products to serve virtually every mortgage situation. We get you from application to closing quickly with a highly efficient process, keeping you informed the entire way.

How to Get a Pre-Approval

Want to be one step ahead? CrossCountry Mortgage offers our innovative FastTrack Credit Approval Program to get you credit approved before you’ve even found a home. This is the advantage you need in a competitive housing market. This program provides you with a certificate to hand sellers demonstrating your ability to buy the home in as few as 10 days after a signed purchase agreement.

Quick Contact Form

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