Michael Ervin

Manager, Sales


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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07 October 2015
On Oct. 3, the U.S. Consumer Financial Protection Bureau and the National Association of Realtors be
07 October 2015
The homebuying process is stressful for many reasons, and it can be particularly harrowing for first
06 October 2015
Paying the full amount of a monthly credit card bill has serious benefits for potential mortgage bor
05 October 2015
The American population is moving, and in most cases, folks are headed west. That can be problematic
01 October 2015
In several of the most popular housing markets around the U.S., a period of accelerated buying has s
30 September 2015
If you have limited equity in your home, but still want to make improvements that can increase the v
25 September 2015
The Federal Reserve exerts a huge amount of control over the mortgage market, but many people remain
22 September 2015
The homebuying process is equal parts exciting and intimidating for first-time buyers. In fact, many
18 September 2015
The housing market is taking off, and the U.S. economy is shaking off the doldrums brought on by the
14 September 2015
The first half of 2015 was largely positive for the housing market, and that's unlikely to change as
11 September 2015
Mortgage payment plans aren't only for new homeowners who are not used to allocating money and writi
11 September 2015
The appeal of making a biweekly mortgage payment is that you can pay off the loan faster and for les
10 September 2015
Owning a home has its perks, but the annual bill for property tax isn't on that list of benefits. Th
09 September 2015
Data and experience shows, prospective homebuyers look for more than just the lowest rate when searc
01 September 2015
The Federal Housing Administration introduced its new supplemental performance metric, an updated me
01 September 2015
For prospective homebuyers or anyone considering a mortgage, here's a review of what you need to kno
25 August 2015
Several of the largest banks in the U.S., including JPMorgan Chase and Bank of America, announced ch
19 August 2015
Lenders must be prepared to work with unmarried couples looking to purchase homes. Almost one in fiv
19 August 2015
Owning and managing property is a tricky business, and those who are successful must have a strong u
19 August 2015
Think your basic housing materials are limited to wood or brick? Think again. Today's homebuilders h
12 August 2015
As the American housing market steadily improves  from the 2008 recession, there have been fewer dis
06 August 2015
It's among the most common mantras in real estate: "Location, location, location." Its meaning is si
01 August 2015
Senior Trade Analyst, Dominique Mancuso, was recently recognized by The MReport for her work with th
30 July 2015
For many homebuyers, home financing can seem like a chicken-or-egg situation: Should they first star
28 July 2015
Home remodeling figures tend to follow closely on the heels of home sales. That's because movers ten
28 July 2015
Call it one more sign the housing market is returning to normal: Just 24.6 percent of all single-fam
27 July 2015
Location can have a dramatic impact on a home's value, and how much you love or loathe a particular
24 July 2015
If you think qualifying for a mortgage is out of your reach, well, excuse us for saying so, but you
23 July 2015
In today's interconnected financial world, it's not news that a political upheaval on the other side
21 July 2015
The great recession may be receding into the rearview, but for many homeowners the psychological aff
17 July 2015
Young professionals have long known that having roommates is cheaper than living alone. But while co
17 July 2015
W.J. Bradley Mortgage Capital (W.J. Bradley) has a growing reputation along the Colorado Front Range
16 July 2015
Realtors, rejoice! The housing market is continuing its upswing and recently reached a new peak: The
15 July 2015
Continuing lower home prices and ultra-low interest rates have many consumers eager to jump back int
09 July 2015
Whether you've got your eye on a serious fixer-upper or simply think the house you're considering is
30 June 2015
If you used a U.S. Department of Veteran Affairs (VA) loan for your first home, you probably don't t
30 June 2015
If you've been involved in the military or you're a spouse of a veteran or current service member, y
30 June 2015
For homeowners who have been in their houses for a while, there may come a time where it make sense
29 June 2015
In mid-June, the California Supreme Court upheld an inclusionary housing policy established by the C
26 June 2015
First-time homebuyers have many decisions to make when shopping for a house. Do they go for three be
18 June 2015
There are more than 80 million millennials in the U.S. ranging in age from 13 to 32 - depending on t
12 June 2015
Many potential homebuyers are wary of taking the plunge into homeownership simply because they've ne
05 June 2015
Howard Michalski, Executive Managing Director for W.J. Bradley, has been published in The MReport Ju
01 June 2015
For the third consecutive year, W.J. Bradley has ranked among 2014 Top Mortgage Lenders by Scotsman
29 May 2015
Before renters dive into purchasing a home, many should consider prepurchase homeownership counselin
28 May 2015
When potential homeowners decide it's time to start the search for their first houses, so many quest
26 May 2015
Buying a home typically falls into a life plan somewhere between marriage and starting a family. How
22 May 2015
While VA loans offer a significant resource for veterans who want to become homeowners, many aren't
21 May 2015
Certain areas of the country experience a more competitive housing market today than others. The Wes
20 May 2015
Your job as a real estate professional extends far beyond helping your customers find their dream ho
19 May 2015
If you're a homeowner in a tight financial situation, there's good news. The Federal Housing Finance
18 May 2015
The recession was a daunting time for homeowners, many of whom faced foreclosure and other serious c
14 May 2015
While filing for bankruptcy may feel like approaching a dead end at first, it doesn't have to destro
12 May 2015
DENVER -- W.J. Bradley Mortgage Capital, LLC (W.J. Bradley), a privately held mortgage banking firm,
12 May 2015
Would you like to know what your current home or your dream house will be worth in a year? Thanks to
08 May 2015
Several news outlets have reported on newer initiatives and tools from the Consumer Financial Protec
08 May 2015
The long process of finding a home and mortgage is stressful and confusing for many prospective home
07 May 2015
This spring, changes in credit and debt status are affecting the way people look at homeownership. I
05 May 2015
The deadline for lenders to implement the new Truth in Lending Act (TILA) and the Real Estate Settle
27 April 2015
DENVER, COLO. -- W.J. Bradley Mortgage Capital, LLC (W.J. Bradley), a privately-held mortgage bankin
24 April 2015
Anyone who is considering purchasing a home in the near future should think about starting the proce
23 April 2015
In mid-April, the U.S. Federal Housing Finance Agency (FHFA) made two important announcements. The c
20 April 2015
Millennials rose to adulthood during a recession, but the tide has finally turned and these 20- and
20 April 2015
Sales for second homes reached a high point in 2014 and it could be related to baby boomers preparin
20 April 2015
The California drought is getting worse, and many are wondering how this will affect the state's rea
17 April 2015
The U.S. House of Representatives recently passed the Mortgage Choice Act of 2015 with a 286-140 vot
16 April 2015
There's good news for consumers considering looking for their first home - the Federal Housing Admin
14 April 2015
The housing market is strong in some areas, so strong in fact that it's getting increasingly competi
13 April 2015
Millennials, or those born after 1980, are disrupting just about every institution they become invol
07 April 2015
Despite a drastic dip in the number of first-time homebuyers last year, certain market signs show in
03 April 2015
Now is the time to buy a new home. Whether you're a renter or a current homeowner interested in movi
31 March 2015
From economic activity that has kept interest rates low to continued buzz about online rate tools; t
26 March 2015
You don’t have to face the prospect of buying a home for the first time as if it were a constant cha
24 March 2015
“Without a smooth closing, a customer can forget everything else you’ve done for them.” Throughout S
20 February 2015
W.J. Bradley's Vice President of Servicing, Scott Brown, has been published in Mortgage Servicing Ne
03 February 2015
DENVER, COLO. — W.J. Bradley Mortgage Capital, LLC (W.J. Bradley), a privately held mortgage banking
16 January 2015
As 2014 has just come to a close, many of us are wondering what to expect of 2015 economic events. T
14 January 2015
The benefits of VA financing 100% financing; $0 down! Closing costs and pre-paid items can be paid b
06 January 2015
DENVER -- W.J. Bradley Mortgage Capital, LLC (W.J. Bradley), a privately-held mortgage banking firm,
23 December 2014
In many of the nation’s larger markets, homes continue to sell quickly, at or above listing price. W
18 December 2014
DENVER -- W.J. Bradley Mortgage Capital, LLC (W.J. Bradley), a privately-held mortgage banking firm,
17 December 2014
Secondary Marketing Executive's November/December issue features "Putting the Secondary Market Back
12 December 2014
As the year comes to an end, November brought some encouraging news for the US economy. Indeed, the
11 December 2014
DENVER -- W.J. Bradley Mortgage Capital, LLC (W.J. Bradley), a privately-held mortgage banking firm,
10 December 2014
The homebuying process is already a complex process—don’t add any unnecessary obstacles to your path
03 December 2014
When purchasing a new home its important to understand the impact your credit score (or FICO®) can h
14 November 2014
As the second month of Q4 begins, it appears as though the housing market rebound has reached somewh
01 November 2014
ColoradoBiz recently released its annual 'Top 250 Private Companies' list, recognizing W.J. Bradley
17 October 2014
W.J. Bradley was recently ranked no. 2 on Denver Business Journal's (DBJ) list of 'Fastest Growing P
16 October 2014
W.J. Bradley today announced its recognition as no. 2 in Tier I on Denver Business Journal’s (DBJ) a
12 September 2014
W.J. Bradley's Michael Kime was recently featured in Progress In Lending's 'Executive Spotlight.' Th
08 September 2014
Buying a home may be the most exciting and intimidating financial transaction you will ever experien
04 September 2014
Global cloud consultancy, Appirio, recently spoke with W.J. Bradley's CIO, Stephen Francis, to discu
06 August 2014
Following the announcement of W.J. Bradley's WJB | ONE portfolio and its Non-Warrantable Condo finan
21 July 2014
Today, in many urban areas, people are turning to the condo market for their residential needs. In 2
15 July 2014
DENVER, COLO. —— W.J. Bradley Mortgage Capital, LLC (W.J. Bradley), a privately-held mortgage bankin
01 July 2014
HousingWire Magazine Reporter, Ben Lane, recently profiled CEO, Bill Bradley, to hear the story of h
01 July 2014
National Mortgage News Reporter, Kate Berry, recently spoke with W.J. Bradley Chief Operating Office
26 June 2014
National Mortgage Professional Senior Editor, Phil Hall, reported on recent findings that illustrate
19 June 2014
DENVER, COLO. — W.J. Bradley Mortgage Capital, LLC (W.J. Bradley), a privately-held mortgage banking
17 June 2014
More than six months after the QM Rule went into effect, W.J. Bradley Chief Operating Officer, Micha
15 June 2014
Beyond the mid-year mark and with the Independence Day festivities now behind us, let’s take a momen
04 June 2014
The 2014 Memorial Day weekend was a time of remembrance, reflection and honor. In the midst of every
03 June 2014
DENVER –– W.J. Bradley Mortgage Capital, LLC (W.J. Bradley), a privately held mortgage banking firm,
02 June 2014
For the second consecutive year, Scotsman Guide released its list of 'Top Lenders' and recognized W.
29 May 2014
Chief Operating Officer, Michael Kime, recently spoke to The New York Times reporter, Lisa Prevost,
22 May 2014
Reuters reporter, Joy Wiltermuth, sat down with W.J. Bradley COO, Michael Kime, earlier this week to
12 May 2014
DENVER -- W.J. Bradley Mortgage Capital, LLC (W.J. Bradley), a privately-held mortgage banking firm,
01 May 2014
DENVER -- W.J. Bradley Mortgage Capital, LLC (W.J. Bradley), a privately held mortgage banking firm,
24 April 2014
DENVER -- W.J. Bradley Mortgage Capital, LLC (W.J. Bradley), a privately held mortgage banking firm,
24 April 2014
W.J. Bradley Mortgage Capital, LLC (W.J. Bradley) announced today that its Temecula branch has been
17 April 2014
The W.J. Bradley Florida team recently attended a ribbon cutting ceremony hosted by the Bonita Sprin
10 April 2014
National Mortgage News editor, Brad Finkelstein, recently spoke with W.J. Bradley's Howard Michalski
08 April 2014
DENVER -- W.J. Bradley Mortgage Capital, LLC (W.J. Bradley), a privately held mortgage banking firm,
07 April 2014
DENVER – W.J. Bradley Mortgage Capital, LLC (W.J. Bradley) announced today that it has integrated an
18 March 2014
DENVER — W.J. Bradley Mortgage Capital, LLC (W.J. Bradley) announced today that it has released a ne
06 March 2014
DENVER — W.J. Bradley Mortgage Capital, LLC (W.J. Bradley), a privately-held mortgage banking firm,
26 February 2014
For the third consecutive year, W.J. Bradley has been listed among the Top 100 Mortgage Companies in
18 February 2014
As published each year by Mortgage Executive Magazine, W.J. Bradley is pleased to announce the three
11 February 2014
Brad Finkelstein, editor for Origination News, recently spoke with W.J. Bradley's Howard Michalski a
13 December 2013
W.J. Bradley today announced its Arizona branches have been recognized by Phoenix Business Journal a
29 October 2013
W. J. Bradley COO, Michael Kime, presents thoughts on MSRs strategies at MBA's 100th Annual Conventi
09 October 2013
President of the W.J. Bradley Mortgage Capital, LLC broker dealer subsidiary (W.J. Bradley Financial
03 October 2013
W. J. Bradley Mortgage Capital, LLC (W.J. Bradley), a Colorado-based mortgage banking firm, today an
01 October 2013
W. J. Bradley ranks no. 17 on the 2013 ColoradoBiz list of Top 250 private companies headquartered i
01 October 2013
In October, HousingWire published, 'The REFI Cushion,' a written contribution by W.J. Bradley Financ
01 October 2013
In this story from Housing Wire about how the nearing qualified mortgage (QM) rules could impact the
11 July 2013
Amilda Dymi with National Mortgage News reports on an interview with Michael Kime, W. J. Bradley COO
14 June 2013
Kent Usell with W. J. Bradley Mortgage Capital, LLC broker dealer subsidiary, W. J. Bradley Financia
06 May 2013
Having recently been approved to underwrite mortgage-backed securities, W.J. Bradley Financial Servi
06 May 2013
W. J. Bradley Mortgage Capital, LLC, a Colorado-based mortgage banking firm, today announced the acq
03 May 2013
Mortgage lender W. J. Bradley Mortgage is launching a broker-dealer unit that would deal in a range
01 May 2013
W. J. Bradley Mortgage Capital, LLC (W.J. Bradley), a privately held mortgage banking firm, today an
01 April 2013
Scotsman Guide recently published its 2012 Top Originators list that recognizes the country’s leadin
01 April 2013
In its eighth consecutive year of growth in size and revenue, W. J. Bradley receives national indust
01 October 2012
As a testament to the company’s exceptional growth, W. J. Bradley Mortgage Capital, LLC is no. 24 in

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 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

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.