Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across Florida, Georgia and Illinois.
In today’s fast-evolving lending landscape, finding a trusted guide to navigate the process is essential. With over 20 years of experience and thousands of satisfied clients, we’ve honed a streamlined 3-Point Approach to make your home financing journey seamless and exceptional.
Clear Communication: From start to finish, we keep you informed. Regular updates ensure you’re always in the know, with every step—application to closing—explained clearly and promptly.
Unmatched Expertise: We don’t just provide mortgages; we deliver tailored strategies backed by deep industry knowledge. Our team stays ahead of the curve, offering insights and solutions that set us apart.
Innovative Tools: We pair a wide range of mortgage options with cutting-edge technology, customized to your unique needs.
Whether it’s your first home or a major renovation, we make the process efficient and accessible. We understand that every client’s path is distinct—buying new construction isn’t like purchasing and renovating a fixer-upper, and your first home purchase feels different from your fifth. That’s why we’re passionate about crafting a personalized experience that exceeds your expectations.
Let’s make it happen together!
My team and I are experts in the following Residential Lending options: First Time Homebuyer Loans, Jumbo, Conventional , FHA, VA, USDA, Renovation Loans
Michael Gayda was an excellent resource when I purchased my home! Michael was more than willing to help and answer any questions I asked (and I had a lot of them since I was a first time home buyer). I have recommended friends to use Michael for initiating a home loan and would recommend any person I talk with to take advantage of his expertise a... Nicholas Jacksonville, FL April 20 Rating: 5.0 out of 5.0 from Zillow
Michael Gayda was an excellent resource when I purchased my home! Michael was more than willing to help and answer any questions I asked (and I had a lot of them since I was a first time home buyer). I have recommended friends to use Michael for initiating a home loan and would recommend any person I talk with to take advantage of his expertise a...
Very communicative and quick to respond. Kept the transaction on track. Doreen Ann SAINT JOHNS, FL April 14 Rating: 5.0 out of 5.0 from Encompass
Very communicative and quick to respond. Kept the transaction on track.
We had a little hiccup at the end regarding closing mix-up due to appraisal delay, but other than that everything was handled very professionally and things went pretty smoothly throughout the process. Tom PONTE VEDRA, FL April 14 Rating: 4.5 out of 5.0 from Encompass
We had a little hiccup at the end regarding closing mix-up due to appraisal delay, but other than that everything was handled very professionally and things went pretty smoothly throughout the process.
Michael Gayda and his assistant Shannon were the definition of professional. They were quick to respond if I had questions and always kept me informed of what was going on. Marc SAINT JOHNS, FL April 14 Rating: 5.0 out of 5.0 from Encompass
Michael Gayda and his assistant Shannon were the definition of professional. They were quick to respond if I had questions and always kept me informed of what was going on.
Comminication was clear and steps were very organized. The team made the process easy! Olivia Josephine PONTE VEDRA, FL April 08 Rating: 4.7 out of 5.0 from Encompass
Comminication was clear and steps were very organized. The team made the process easy!
Michael has proven over the years to be an excellent source for information guidance and expertise guiding home buyers through the mortgage process. We work many years together and he is a trusted source for continued excellence in his field!! Mark PONTE VEDRA, FL April 01 Rating: 5.0 out of 5.0 from Encompass
Michael has proven over the years to be an excellent source for information guidance and expertise guiding home buyers through the mortgage process. We work many years together and he is a trusted source for continued excellence in his field!!
On 04/30/2026 at 2:30 pm
Join us for Our Billion Dollar Playbook, a live mastermind designed to help real estate agents win more deals in today’s competitive market. Hear from Wes Costello of AnnieMac Home Mortgage as he breaks down the Cash2Keys suite of products and how to position your buyers like cash. Learn how Cash2Keys can level up your business.