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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
Rating: 5.0 out of 5.0 from Encompass Michael and his team of professionals are TOP NOTCH! I have worked with them for years across multiple transactions and you simply cannot find a better team. Everything about our transaction was easy and smooth because of them. We cannot recommend them enough! We love our new home but if we ever need another mortgage, Michael will be my first call.... Lauren ElizabethSAINT JOHNS, FL May 28
Michael and his team of professionals are TOP NOTCH! I have worked with them for years across multiple transactions and you simply cannot find a better team. Everything about our transaction was easy and smooth because of them. We cannot recommend them enough! We love our new home but if we ever need another mortgage, Michael will be my first call....
Rating: 5.0 out of 5.0 from Encompass Michael and Shannon were absolutely amazing to work with, made this the easiest experience I could ever imagine. ChristopherPANAMA CITY BEACH, FL May 21
Michael and Shannon were absolutely amazing to work with, made this the easiest experience I could ever imagine.
Rating: 5.0 out of 5.0 from Encompass and Shannon Bowen amazing job especially Michael. I appreciate so much that you had my back. I know it wasn't easy, but your efforts on my behalf matter even more because of itu thank you. Nancy L.JACKSONVILLE, FL May 15
and Shannon Bowen amazing job especially Michael. I appreciate so much that you had my back. I know it wasn't easy, but your efforts on my behalf matter even more because of itu thank you.
Rating: 5.0 out of 5.0 from Zillow I am honored to leave the second review for Michael Gayda. PLease refer to my previous review on 09/2016. I mentioned that I will use him again for my next purchase, I did indeed. I just bought my second and forever home. Michael made it happen and gave me a very competitive rate!!!. He is the best in Town. Awesome Lender AgainPonte Vedra Beach, FL Apr 30
I am honored to leave the second review for Michael Gayda. PLease refer to my previous review on 09/2016. I mentioned that I will use him again for my next purchase, I did indeed. I just bought my second and forever home. Michael made it happen and gave me a very competitive rate!!!. He is the best in Town.
Rating: 5.0 out of 5.0 from Zillow LOVE LOVE LOVE! Michael Gayda and his team are amazing! Michael Gayda and his team are quick to respond either with a phone call or email. I love that I have them in my back pocket and will not use any other lender again! His team has made all my transactions very seamlessly and flawless. Timothymgreen86Punta Gorda, FL Apr 30
LOVE LOVE LOVE! Michael Gayda and his team are amazing! Michael Gayda and his team are quick to respond either with a phone call or email. I love that I have them in my back pocket and will not use any other lender again! His team has made all my transactions very seamlessly and flawless.
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... NicholasJacksonville, FL Apr 20
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...
Rating: 5.0 out of 5.0 from Encompass Very communicative and quick to respond. Kept the transaction on track. Doreen AnnSAINT JOHNS, FL Apr 14
Very communicative and quick to respond. Kept the transaction on track.
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. TomPONTE VEDRA, FL Apr 14
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.
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. MarcSAINT JOHNS, FL Apr 14
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.
Rating: 4.7 out of 5.0 from Encompass Comminication was clear and steps were very organized. The team made the process easy! Olivia JosephinePONTE VEDRA, FL Apr 08
Comminication was clear and steps were very organized. The team made the process easy!
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!! MarkPONTE VEDRA, FL Apr 01
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!!
Rating: 5.0 out of 5.0 from Encompass Great communication, timely action ShaiffuPALM COAST, FL Mar 31
Great communication, timely action
Rating: 5.0 out of 5.0 from Zillow Michael and his team did an absolutely amazing job on a very complex application! We love our new home, and grateful we had Michael on our side through the entire process! AustinSaint Johns, FL Mar 30
Michael and his team did an absolutely amazing job on a very complex application! We love our new home, and grateful we had Michael on our side through the entire process!
Rating: 5.0 out of 5.0 from Encompass Michael, Shannon, and the entire team were absolutely phenomenal throughout the execution from application to closing! Professional conceriege service that allowed for a much smoother, seamless closing on our new home! Thank you all for your hardwork, attention to details, and transparency throughout this process! Shelby TravisPONTE VEDRA, FL Mar 22
Michael, Shannon, and the entire team were absolutely phenomenal throughout the execution from application to closing! Professional conceriege service that allowed for a much smoother, seamless closing on our new home! Thank you all for your hardwork, attention to details, and transparency throughout this process!
Rating: 5.0 out of 5.0 from Encompass Michael was available whenever I had any questions and was always very helpful. He made the whole process go smoothly and a lot less stressful. BrianJACKSONVILLE, FL Mar 17
Michael was available whenever I had any questions and was always very helpful. He made the whole process go smoothly and a lot less stressful.
Rating: 5.0 out of 5.0 from Encompass Michael and his team were always available for any questions and explained everything in detail. KatherinePONTE VEDRA, FL Feb 27
Michael and his team were always available for any questions and explained everything in detail.
Rating: 5.0 out of 5.0 from Zillow We used Prime Lending, and the experience couldn’t have been better. They were on top of everything, making the entire process smooth and stress-free. Clear communication, prompt responses, and a genuinely helpful approach made them incredibly easy to work with. Highly recommend! NerminaJacksonville, FL Feb 24
We used Prime Lending, and the experience couldn’t have been better. They were on top of everything, making the entire process smooth and stress-free. Clear communication, prompt responses, and a genuinely helpful approach made them incredibly easy to work with. Highly recommend!
Rating: 5.0 out of 5.0 from facebook Michael and his team did an absolutely amazing job on a very complex application! We love our new home, and grateful we had Michael on our side through the entire process! Austin Smith Feb 24
Rating: 5.0 out of 5.0 from facebook We used Prime Lending, and the experience couldn’t have been better. They were on top of everything, making the entire process smooth and stress-free. Clear communication, prompt responses, and a genuinely helpful approach made them incredibly easy to work with. Highly recommend! Nermina Imsirovic Feb 24
Rating: 5.0 out of 5.0 from Zillow Michael Gayda made contact by phone and thoroughly explained the process and gave me time to ask any questions. He was very personable and made me feel comfortable with the process. I liked the team approach and feedback at every stage. He was personally accessible to me, not just handed over to a stranger. He explained in advance who the diffe... NancyGreen Cove Springs, FL Feb 19
Michael Gayda made contact by phone and thoroughly explained the process and gave me time to ask any questions. He was very personable and made me feel comfortable with the process. I liked the team approach and feedback at every stage. He was personally accessible to me, not just handed over to a stranger. He explained in advance who the diffe...
Rating: 5.0 out of 5.0 from Zillow Michael and his team were extremely thorough and detailed throughout the entire process which was super helpful since this was our first home loan. It was a pleasure to work with them as they kept everything as stress free as possible and I would highly recommend to anyone! RebeccaPonte Vedra, FL Jan 27
Michael and his team were extremely thorough and detailed throughout the entire process which was super helpful since this was our first home loan. It was a pleasure to work with them as they kept everything as stress free as possible and I would highly recommend to anyone!
Rating: 5.0 out of 5.0 from Encompass Communication was clear through the entire process. TaranSOUTH DAYTONA, FL Jan 20
Communication was clear through the entire process.
Rating: 5.0 out of 5.0 from Encompass The communication was great. Very smooth transaction from start to finish. Closed on time DanielSOUTH DAYTONA, FL Jan 20
The communication was great. Very smooth transaction from start to finish. Closed on time
Rating: 4.8 out of 5.0 from Encompass Michael and his team, (Shannon) were very easy to work with . Clear and concise communication and professional at all times . DraperPONTE VEDRA, FL Jan 20
Michael and his team, (Shannon) were very easy to work with . Clear and concise communication and professional at all times .
Rating: 5.0 out of 5.0 from Encompass Clear communication throughout the process. Great team to work with. ChristopherPONTE VEDRA, FL Jan 19
Clear communication throughout the process. Great team to work with.