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Michael Campos
VP of Mortgage Lending

Mike brings more than 20 years of professional mortgage financing experience, including
four years as a mortgage underwriter, jumbo loan and home purchase specialist. As a San Diego
native, he is knowledgeable about the market and has represented a wide range of
homebuyers throughout California.
Mike has built an exceptional reputation in the industry by providing superior service, even on the weekends he's known to be working with his real estate agents and clients through every step of the transaction process. His knowledge and experience enable him to present his clients a wide-array of products and programs that best fit their needs and help them successfully achieve their real estate goals. His experience allows him to help customers look at their whole financial picture and how real estate can help build long term wealth for generations to come.
When not working, Mike enjoys all types of outdoor activities including river rafting, fishing with the kids, snowboarding and hiking with his wife, Jennifer, his sons Justin, Alex, and his daughter Ava. He understands how fortunate we are to live in California and work in multiple states and it is his goal to help others build their fortunes as well.

Helpful tools and resources
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What people are saying
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
Areas served
  • San Diego, CA
  • Carlsbad, CA
  • Encinitas, CA
  • San Marcos, CA
  • Eagle, ID
  • Star, ID
  • Boise, ID
  • Meridian. ID
Services offered
  • First Time Home Buyers
  • VA eligble borrowers
  • self employed and entreprenuer loans
  • jumbo and conventional borrowers
  • first time buyers
  • renovation
  • remodel
  • refinance
Agent Advantage
Real Estate Agents: Want to look good and grow your business?
Put our power behind your bid. Compete with cash offers and bid, buy, and close fast.
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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).

Product Assumptions:

Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.

One discount points equals one percent of your loan amount.

Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.