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Michael Most
Senior Loan Officer

Michael has been the # 1 originator in Purchase volume both at Citibank and Capital One Home loans, and consistently ranks top ten amongst all Banks. He specializes in finding the best deal, whether that’s through alternative funding or just unrivaled home loan knowledge. Take Sarah - she was looking to refinance the original property we got for her. She came to me with what looked like an unbeatable deal, but thanks to the network I have, I was able to offer a quarter point lower with zero closing costs. That quarter point gave her a mortgage that unlocked more equity for home renovations, and that all important extension for her upcoming second child. After doing this for 18 years, he is an expert at anticipating problems before they arise - Michael believes in upfront, timely communication throughout the mortgage process, to make sure everything runs smoothly. It’s why he works with my customers again and again, whether it’s a first home mortgage or a refinancing deal.

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  • New York City
  • Brooklyn
  • Los Angeles
  • Beverly Hills
  • Miami
  • Florida
  • Pennsylvania
  • Nevada
  • Connecticut
  • Queens
  • Long Island City
  • Long Island
  • New Hampshire
  • Ohio
  • Texas
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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.