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Loan Consultants

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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$
$
%
$
years
%
$
/ year
%
$
/ year

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

$
/ year

Your Monthly Payment

$1,512.46

Your Payment

Monthly Principal & Interests : $1145.80

Monthly Real Estate Taxes : $316.67

Monthly Insurance : $66.67

Monthly PMI : $0.00

Total Monthly Payments : $1529.13

Additional Information

Loan To Value Ratio : 80.00%

Months With PMI : 0 months

Educational Block

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What to expect

when refinancing.

Refinancing your existing mortgage may be easier than you think.

Learn More >>
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What is the process

for buying a home?

Caliber Home Loans, Inc. ("Caliber") has streamlined the process for you!

Learn More >>
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Smaller down-payment

program options.

Do you have questions about lower down-payment options?

Learn More >>

Loan Consultants

Let’s start this
journey together!

Apply Now
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