A LITTLE ABOUT ME
Michael Rodriguez has been a part of the mortgage industry for over 22 years and has amassed an impressive set of skills and knowledge during this time. He possesses expertise in various programs, including the Federal Housing Administration, Veterans Administration, USDA Rural Development, Down Payment Assistance programs, such as AZ-Arizona HFA (State) Program, AZ-IDA Phoenix IDA Maricopa-Home in Five, Neighborhood Stabilization Program (NSP), among others. His ability to communicate fluently in both English and Spanish further exemplifies his proficiency in the industry.
In addition to his knowledge of the industry, he is also committed to providing leads to realtors, which assists them in helping clients purchase homes from their own listings or others. Micheal is also part of a diverse team of professionals, known as “My Wagon Wheel,” who specialize in various fields including legal, insurance, landscaping, credit repair, job recruitment, marketing, and home maintenance. He is always ready to assist clients with any project or need, ensuring that they are well taken care of.
Recently, Michael has acquired licensure as a Medicare, Life, Health, and Accident Insurance agent, which is a significant accomplishment. He possesses the necessary skills and knowledge to assist clients in navigating the complexities of these types of insurance policies. He provides the best service possible and ensures that his clients are well-informed and confident in their insurance decisions.
Overall, Michael’s extensive experience, proficiency in various programs, commitment to providing leads to realtors, and dedication to assisting clients with their insurance needs makes him an invaluable asset to the mortgage and insurance industries.
Our specialties at Home Force Mortgage are government loans VA/FHA, investor loans/non-QM/bridge, and grade A+ Conforming/Conventional buyers. Our loan products cover the entirety of residential 1–4-unit SFRs, Condos, Townhomes, and Manufactured/Mobile financing with highlights that include:
- Debt-Service Coverage Ratio (DSCR) loans with qualification based on subject property rental cash flow (great for real estate investors)
- Bridge Loan with 25% down, no income verification, and 12-month balloon (great for fix and flips, fast closings instead of being contingent on a sale)
- FHA 100 program with 100% financing (no down payment) between 1st and 2nd lien
- No additional credit overlays on VA/FHA allowing credit scores as low as 500 (with approve/eligible findings)
- ITIN/foreign national loans
- Verified Underwritten Approval provided to the buyer prior to placing their offer