Michael Fries
Loan Originator | NMLS: 771169
Licensed in: CA, NV, TX
2701 East Insight Way, Suite 150
Chandler, AZ 85286
Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.
Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.
After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.
Strategic Mortgage Solutions for San Diego's Homebuyers and Investors
With over 20 years of experience in the mortgage industry, I provide my clients with a level of choice and sophisticated strategy that traditional retail banks simply cannot match. As a broker with Barrett Financial, I have direct access to over 150 lending partners, allowing me to engineer custom financing structures for even the most complex scenarios. My focus is on helping established homeowners and investors maximize their leverage and protect their bottom line.Specialized Financing for Complex NeedsI specialize in high-intent loan products designed for sophisticated borrowers. Whether you are navigating Jumbo financing for a coastal estate, utilizing Non-QM bank statement programs as a self-employed professional, or leveraging DSCR (Debt Service Coverage Ratio) loans to expand your investment portfolio, I cut through the red tape. My goal is to empower you with clear data and expert advocacy, ensuring you make informed decisions about your financial future.Deep Roots in San Diego's Premier Micro-Markets
I am proud to serve clients across California, with a specific focus on the unique real estate landscapes of Carlsbad, Encinitas, and Clairemont. Understanding the nuances of these specific markets is vital to securing the right terms:
- In Carlsbad, I help families navigate high-balance conforming and Jumbo limits, ensuring a smooth transition into larger "move-up" homes in this coastal gem.
- In Encinitas, I work closely with business owners and high-net-worth individuals who require creative underwritingâsuch as asset depletion or 24-month bank statement programsâto match the city's vibrant, entrepreneurial culture.
- In Clairemont, I serve the growing investor community. My expertise in ADU-friendly financing and rental-income-based qualifying helps investors capitalize on this centrally located San Diego hub.
A mortgage is likely your largest financial liability; it should be managed with precision and long-term strategy. I believe in building lasting relationships based on trust, clear communication, and execution. Instead of a "one-size-fits-all" approach, we will explore the most competitive options across our 150+ lenders to find the specific path that aligns with your wealth-building goals.