Headshot of Michael Stowers

Michael Stowers

Branch Manager

The Stowers Team

NMLS #60866

262 Town Center Parkway, Suite 101
Santee, CA 92071
cellphone Cell phone
(619) 520-9138


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.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
  • Renovation Loans
  • VA Loans
A 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.

ADU Coalition Founding Members logo
A military family playing in their home

Military Families and Veterans

As a former Military family and founders of Operation Homefront, we take special care of Servicemembers, Veterans and their spouses. We have personally built real estate prosperity using each PCS as an opportunity to buy, hold, or flip properties — and we can guide you through your journey. Need a trusted expert at your new duty station? We’ve got you covered. We know your challenges and won’t hassle you with extra obstacles.

How We Can Help.


It begins with your first home purchase, whether alone, with your spouse, or with your buddies. Servicemembers and Veterans are eligible for VA loans, which allow you to buy a primary home with no down payment.


As you move to new active duty stations, we can strategize on the best options to buy, hold, or flip. We can help you achieve financial freedom through passive income on real estate investments.

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Reach your homeownership goals

Choose from the tools below to help you achieve your homeownership goals or view all purchase and refinance tools.

  • 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.

  • 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.

  • 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.

  • 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.

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