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.
10 Plays to Buy & Sell In a Competitive Market
5 Plays to Re-Engage Your Database & Stand Out
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 and his team were always available for any questions and explained everything in detail. Katherine PONTE VEDRA, FL February 27 Rating: 5.0 out of 5.0 from Encompass
Michael and his team were always available for any questions and explained everything in detail.
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 Saint Johns, FL February 24 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!
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 Jacksonville, FL February 24 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!
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... Nancy Green Cove Springs, FL February 19 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...
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! Rebecca Ponte Vedra, FL January 27 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!
Communication was clear through the entire process. Taran SOUTH DAYTONA, FL January 20 Rating: 5.0 out of 5.0 from Encompass
Communication was clear through the entire process.
The communication was great. Very smooth transaction from start to finish. Closed on time Daniel SOUTH DAYTONA, FL January 20 Rating: 5.0 out of 5.0 from Encompass
The communication was great. Very smooth transaction from start to finish. Closed on time
Michael and his team, (Shannon) were very easy to work with . Clear and concise communication and professional at all times . Draper PONTE VEDRA, FL January 20 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 .
Clear communication throughout the process. Great team to work with. Christopher PONTE VEDRA, FL January 19 Rating: 5.0 out of 5.0 from Encompass
Clear communication throughout the process. Great team to work with.
So easy to communicate with, prompt & on time. Love the weekly updates. Crystal PONTE VEDRA, FL January 16 Rating: 5.0 out of 5.0 from Encompass
So easy to communicate with, prompt & on time. Love the weekly updates.