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Michael Ervin

Manager, Sales

235 ROCKAWAY BEACH AVE STE 4, PACIFICA, CA

NMLS ID# 282715

Office: 650.451.7797   

Mobile: 650.766.8500

Fax: 855.202.5894

bio floret

I have been working in the housing industry since 1978 and have a real passion for helping home buyers and home owners with their mortgage needs. My previous background as a Realtor® gives me a unique perspective when working with real estate agents and buyers in the San Francisco Bay Area. As a San Francisco native, I understand the Bay Area economy and real estate market unlike anyone without personal experience can offer. “Always putting my clients needs first has allowed me to grow my business by referrals only and allows me the time to put my energy into getting them the best rates and programs available.” 

I love working with home buyers. My goal is to make the purchase experience easy and stress-free for my clients. All the upheaval in a home buyer's life is enough - packing, moving, changing utilities and my personal worst, a new day care provider - that you just don't need a stressful mortgage process! The same is true to a lesser degree for people who are refinancing. My top priority is to make sure my clients are presented with all available options, allowing them to make an informed decision, that’s right for their financial situation.

My team and I work with each client to determine the best mortgage program for your individual situation, taking into account both the short and long term impact to your overall wealth creation goals. We also communicate with you throughout the process so that you are always aware of what's going on with your loan application. Plus we follow up with you after closing. I'm in your life for not only the intense period of time when you're getting a mortgage, but as your personal mortgage pro for life.

On the personal side, I live in Pacifica with my wife Karen, we have children and 2 dogs. I enjoy scuba diving, skiing and cooking meals for friends and family. I am fomer commissioner of Pacifica's Parks, Beaches & Recreation and cocurrently on the Pacifica Economic Development Committee. I am a proud sponsor of Pacificans Care! We will donate $100 for every loan completed within Pacifica to Pacificans Care; a community based non-profit organization.

You can also view my video bio here: [VideoLink] 

Begin the home loan application process now, or if you have questions before getting started, contact me today.

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Texas Mortgage Banker Disclosure

Pursuant to the requirements of section 157.007 of the mortgage banker registration and residential mortgage loan originator act, chapter 157, texas finance code, you are hereby notified of the following:

Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete, sign and send a complaint form to the texas department of savings and mortgage lending, 2601 north lamar, suite 201, austin, texas 78705. Complaint forms and instructions may be downloaded and printed from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.

The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's web site at www.sml.texas.gov.

Free Educational Pamphlets

Below are links to several free informational pamphlets provided by various government agencies. Feel free to print them out to review at your leisure.