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Michael Lamka
Mortgage Loan Originator|NMLS # 714616| Branch NMLS # 244074
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This is not a commitment to lend. Program restrictions apply. Stearns Lending, LLC offers many loan products. Stearns Lending, LLC is a California Limited Liability Company headquartered at 4 Hutton Centre Drive, 10th Floor, Santa Ana, California 92707. (800) 350-LEND (5363) Company NMLS# 1854 (www.nmlsconsumeraccess.org). Stearns Lending, LLC is licensed, registered, or exempt from licensing to conduct business in the following states which require license disclosure on advertising materials: Arizona Mortgage Banker License #0905413; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act RMLA# 4130495; Georgia Residential Mortgage Licensee #24066; Illinois Residential Mortgage Licensee #MB.6760686; Kansas Licensed Mortgage Company #MC.0025047; Massachusetts Mortgage Lender/Broker License #MC1854; Licensed by the Mississippi Department of Banking and Consumer Finance; Missouri Residential Mortgage Loan Broker License #12-2052 (Stearns' in state office is located at 111 West Port Plaza, Ste. #639, St. Louis, MO 63143); Licensed by the New Hampshire Banking Department; Licensed by the N.J. Department of Banking and Insurance; Ohio Certificate of Registration #MB.804022.000; Rhode Island Licensed Lender; Registered under Texas SML Mortgage Banker Registration; Virginia State Corporation Commission Lender/Broker License #MC-2184; Washington Consumer Loan Company License #CL-1854. For State of Nevada residents Stearns Lending, LLC is a mortgage lender promoting the loan products or services contained in this article; the business phone number that Stearns Lending maintains on file with the State of Nevada Department of Business and Industry is (714) 513-7777. This information is accurate as of June 26, 2017. © 2017 Stearns Lending, LLC All Rights Reserved.
About Michael Lamka
As a mortgage professional with more than 25 years of experience, I have helped countless families and individuals in California to reach their financial goals and achieve their dreams of homeownership. Working hard to earn your trust, it is my goal to consider everything from your perspective so that I have a complete understanding of your needs and priorities. Communication is critical to the home-buying and home loan processes. You can count on me to communicate clearly and often with you and your real estate professional. Thanks to the strength of Stearns, a national lender whose only business is mortgages, I am able to offer borrowers a comprehensive selection of mortgage and refinancing programs, including conforming, FHA*, USDA and VA loan programs. I can also offer a selection of jumbo loan products up to $3 million**. This broad product menu enables me a wide array of borrowers. I can help you whether you are a first-time home buyer, moving up to a larger home, purchasing a vacation home or seeking financing for an investment property. My past experience as an approved Direct Endorsement FHA loan underwriter with a lifetime CHUMS designation gives me a depth of understanding and unique perspective on helping my clients reach their homeownership goals. As a Mortgage Loan Originator licensed in California, I am based at the Santa Rosa branch office of Stearns Lending, where my teammates and I work diligently to bring our motto, We Can Help You!®, to life each and every day. Though I mostly work with clients in Sonoma County, I am familiar with other markets throughout the California. When you work with me, I put my knowledge of local housing markets, including the diverse communities, rural areas, and urban neighborhoods throughout Northern California, to work for you. I have also built lasting relationships with real estate professionals and others in our area's housing industry. I am a California native and earned my Bachelor of Arts degree from University of California, Santa Barbara. I've lived in Santa Rosa for the last 15 years, and I love the Greater San Francisco Bay Area of our state. When not helping clients, I enjoy backpacking, hiking, biking, skiing and almost anything else that puts me in the outdoors. My goal is to always exceed the expectations of my clients. I look forward to earning your trust and helping you with all of your mortgage needs.*Stearns Lending, LLC is an FHA Approved Lending Institution, and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. **Limited to certain Jumbo programs.