Michael Buccella Mortgage Lender
Mortgage Lender serving Sacramento, CA
About Michael Buccella Mortgage Lender
Michael Home Loans, led by licensed NMLS Loan Officer Michael Gendels, serves borrowers across numerous states including NJ, PA, FL, and CA. Operating as a direct lender, the firm is committed to simplifying the mortgage process, offering a highly personalized experience for clients navigating the complexities of home financing. They pride themselves on transparency, efficiency, and dedication to finding the optimal loan solution for each unique situation.
The company specializes in a broad spectrum of home loan products, catering to diverse borrower needs from first-time homebuyers to seasoned investors. Their offerings include conventional, FHA, VA, USDA, and jumbo loans, alongside specialized Non-QM programs such as Bank Statement, DSCR, Asset Depletion, and ITIN loans. This extensive product suite allows them to assist clients with various property types and credit profiles, including those with lower credit scores.
Michael Home Loans distinguishes itself through its client-centric approach and digital capabilities like online applications. With a strong focus on customer satisfaction, evidenced by numerous 5-star reviews, the team aims to provide a stress-free and smooth loan experience from application to closing. Their commitment to accessibility and expert guidance ensures that clients receive tailored advice and competitive rates.
The company specializes in a broad spectrum of home loan products, catering to diverse borrower needs from first-time homebuyers to seasoned investors. Their offerings include conventional, FHA, VA, USDA, and jumbo loans, alongside specialized Non-QM programs such as Bank Statement, DSCR, Asset Depletion, and ITIN loans. This extensive product suite allows them to assist clients with various property types and credit profiles, including those with lower credit scores.
Michael Home Loans distinguishes itself through its client-centric approach and digital capabilities like online applications. With a strong focus on customer satisfaction, evidenced by numerous 5-star reviews, the team aims to provide a stress-free and smooth loan experience from application to closing. Their commitment to accessibility and expert guidance ensures that clients receive tailored advice and competitive rates.
Company Information
Lender Type: Direct Lender
Headquarters: Cranford, NJ
Licensed In
NJPAFLDEMDVADCNCSCGAMITXCOORAZMACA
Digital Capabilities
Online Application
Digital Document Upload
Home Loan Products
Conventional Loan Program
Loan Types:
ConventionalRefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerLow Down Payment Program
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Good (680-739)Excellent (740+)
3%
Min Down Payment
97%
Max LTV
640
Min Credit Score
FHA Loan Program
Loan Types:
FHARefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerLow Down Payment ProgramDown Payment Assistance
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
3.5%
Min Down Payment
96.5%
Max LTV
620
Min Credit Score
VA Loan Program
Loan Types:
VARefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
0
100%
Max LTV
620
Min Credit Score
USDA Loan Program
Loan Types:
USDARefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
0
100%
Max LTV
620
Min Credit Score
Jumbo Loan Program
Loan Types:
JumboRefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Good (680-739)Excellent (740+)
10%
Min Down Payment
90%
Max LTV
680
Min Credit Score
Non-QM & Alternative Documentation Loans
Loan Types:
Non-QMBank StatementDSCRAsset DepletionPortfolioInterest-OnlyRefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)Interest-Only
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Self-EmployedInvestorBusiness OwnerW-2 Employee1099 ContractorRetired
Income Verification:
Bank StatementAsset DepletionNo Income VerificationFull Documentation
Special Programs:
Self-Employed ProgramBank Statement ProgramAsset Depletion ProgramITIN ProgramForeign National Program
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Fair (620-679)Poor (580-619)Good (680-739)Excellent (740+)
10%
Min Down Payment
580
Min Credit Score
Home Equity & Second Mortgage Programs
Loan Types:
HELOCSecond MortgageHome Equity Loan
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Good (680-739)Excellent (740+)Fair (620-679)
620
Min Credit Score
Contact Information
2716 Broadway A
Sacramento, CA 95818
US
Mailing Address:
516 North Avenue East, Cranford, NJ 07016
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Business Information
Category: Mortgage Lender
Location: Sacramento, CA
Status: Standard
Type: Direct Lender
NMLS ID: 22521
Profile Views: 2
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