Senior Loan Officer
Mike is licensed in Illinois and Missouri.
While working in the St. Louis mortgage business since 2002, I have witnessed many changes in the market as well as the industry. The days when a client with a strong credit score could just show up at closing with a cashier’s check, are all but a thing of the past. While the required documentation these days is greater than it was years ago, lenders do not require your finger prints, DNA, or your First Born; contrary to what some people may believe.
A major part of my job is to make sure everyone has a realistic idea of the mortgage process, and to assure my clients are using the correct mortgage product for their individual needs. Believe it or not, a lower rate does not always mean it’s the best deal for you. In the mortgage business there is a sliding scale between rates and fees, no matter what lender you use. The approach I take with my clients is much more of a long-term advisory role, not a “one-n-done” method. I like to pull the curtain back and show my clients “the math” of their options. Only then can someone really determine which loan is best for their situation. By showing someone “the math”, it’s much easier for them to make a financial decision based on logic and numbers, verses fear and emotion. That’s the nice thing about math, no matter where you are from or what language speak math is universal. Either the numbers make sense or they don’t.
We will discuss the tax advantages to having a mortgage as well as your credit scores and how they could be improved. I will cover “the math” with you to see if it makes sense for you to pay extra towards your mortgage balance (usually not). If a bigger down payment is the best use of your money is another discussion we will have. Once you are comfortable with YOUR numbers, you will be confident in YOUR mortgage decision. I always try to convey clear expectations and clear advice, for a stress-free mortgage experience. If those things are done well, achieving my ultimate goal is much easier… To become “Your Lender for Life.”
Help Every Step of the Way
Mike Anderson was the ultimate professional to assist me through the process of acquiring my new home. From the initial phone call through closing, Mike answered all emails promptly as well as text messages and phone calls. No question was too small for him to provide guidance and resources. Even after the sale was done, Mike checked to see how things were going. He is excellent at his job, but more importantly, he is just a good person who displays caring and empathy in his everyday actions. He also has a wealth of knowledge in all areas of finance and real estate. I highly recommend Mike Anderson.
Made first time home-buying a breeze.
“As a first time home-buyer I definitely lucked into being recommended to Michael: He was attentive and educational all throughout the process and quick to answer any questions I had along the way. I was able to confidently close on my house feeling informed, well prepared, and with the optimal home-loan for my finances.”
Mike was extremely helpful throughout our entire loan process. He was always available for questions and explained every step of the lending process. Mike came very well prepared to our closing and ensured we were well ahead of our deadline throughout the entire process to avoid any complications. If you are looking for a friendly and HONEST lender to work with, Mike is definitely your guy.
Fast & Easy
“Got the rate that we wanted. Mike Anderson was easy to work with. Everyone on his team contacted us on time and we closed with promised date. No issues what so ever. Will do business again. Thanks.”
Michael made getting my loan easy
Michael Anderson handled our loan application quickly and professionally. With all of the new government requirements for lenders and borrowers, he made the path easy and very manageable. He responded quickly to any snags and the process was seamless for us.
Wow that was Amazing
Michael and his team were very professional and a pleasure to work with. First met with Michael on October 3rd 2017 and the wife and I closed on Our new home November 7th 2017. The entire process was painless and very quick. Both our needs and concerns were a priority for Michael and his team. The Delmar Financial Company definitely has the Best mortgage employee’s in the business.
Mr Anderson is extremely knowledgeable when it comes to home loans. He was always professional, prompt with returning calls. I will recommend him to all of my friends and family.
Refinance of home mortgage
Time was of the essence in my refinance, and Mike worked diligently to make this happen. He was very professional, very responsive to my questions, and made the process seamless. I would highly recommend him for your loan servicing.
Patient and informative
Michael Anderson was Very helpful and professional during the process of obtaining our mortgage. We Would recommend Mike to future home buyers without hesitation.
We loved Mike!
Mike explained every step to us in a way we were able to understand. He was fantastic at communication, responding quickly to us and making sure we knew what to expect. I also really appreciated that he dealt with ME a lot and looked at ME when talking to us because so many people address things to my husband or just talk to him when dealing with finances and other big issues.