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Michael Garmendia

As your local Caliber Home Loans representative, I'm dedicated to providing superior service and personal expert guidance throughout the home financing process.
mgarmendia

Michael Garmendia

Sales Manager
NMLS#: 432386
  • VA Lending
3903 Northdale Blvd., Suite 270
Tampa, FL 33624

About Me

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Testimonials are individual experiences, reflecting real-life experiences of those who have used our services in some way. However, they are individual responses and results vary. The testimonials are not necessarily representative of all of those who will use our services.

About Michael Garmendia

Hello, my name is Michael Garmendia, and I have 12 years of experience as a residential Loan Consultant to offer you, your friends, relatives, and business partners.  Recognizing that each customer has specific needs, I will utilize my expertise along with Caliber's superior "in-house-local" processing, underwriting, and closing functions to meet those needs; assuring a smooth process from application to closing.

What sets me apart from the competition is my core belief that trust is the number one priority, and my philosophy is to listen to each customer's needs and respond to those needs efficiently and effectively.  I also believe that handling each client's situation with a unique and personalized approach is the key to building strong and lasting relationships with borrowers and business partners alike.

I was born and raised in Tampa, FL and currently live in Land O Lakes with my wife Eileen and sons Mikel and Andres.  I enjoy spending free time entertaining family and friends, boating, scuba diving, and playing soccer.

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Private Mortgage Insurance typically costs between 0.5% to 1% of the entire loan amount over 80% LTV on an annual basis.

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The results displayed above are only estimates and cannot be used to determine actual loan cost or be used as a guarantee. Please consult your loan consultant for an official estimate.

Contact Michael Garmendia

NMLS#: 432386
Office: 813.393.6799
E-fax: 855.583.6649
Email: Michael.Garmendia@CaliberHomeLoans.com
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