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Mike Hartnett has built a reputation for helping families achieve their real estate goals through personalized mortgage solutions. By actively listening to each client’s financial history, he crafts the right mortgage package with the skill and confidence from deep industry expertise. His thorough knowledge of conventional, FHA, VA, and VHDA mortgages allows him to secure the best possible rates and programs for his clients. A specialist working with self-employed borrowers, first-time homebuyers, and 100% financing programs, Mike’s ability to communicate and guide clients through complex financial decisions sets him apart. His dedication to continued learning is highlighted by his completion of the intense Accredited Mortgage Banker program (AMB), further solidifying his position as one of the area’s top loan originators. As a former President of the Peninsula Mortgage Bankers Association, Mike’s leadership and industry expertise make him a standout resource for anyone looking to confidently navigate the mortgage process. Outside of work, Mike enjoys traveling with his family and mountain biking, embracing every opportunity to explore new trails and destinations.
Friendly, knowledgeable and very responsive. Highly recommend! Lauren Hayes, VA March 10 Rating: 5.0 out of 5.0 from Encompass
Friendly, knowledgeable and very responsive. Highly recommend!
Friendly and knowledgeable Alecia Theresa NEWPORT NEWS, VA February 05 Rating: 5.0 out of 5.0 from Encompass
Friendly and knowledgeable
I can’t say enough great things about Micheal! From start to finish, he made the entire home loan process smooth, clear, and completely stress-free. He was incredibly knowledgeable, responsive, and always took the time to explain every option so I felt confident in each decision as a first-time homebuyer. What really stood out was how hard he wo... Akoni NEWPORT NEWS, VA January 30 Rating: 5.0 out of 5.0 from Encompass
I can’t say enough great things about Micheal! From start to finish, he made the entire home loan process smooth, clear, and completely stress-free. He was incredibly knowledgeable, responsive, and always took the time to explain every option so I felt confident in each decision as a first-time homebuyer. What really stood out was how hard he wo...
Mike was always available to answer questions and provide guidance, explained the loan process to my client, showed up at closing and made everything seamless! It was a wonderful experience from beginning to end! Sandra NEWPORT NEWS, VA January 14 Rating: 4.3 out of 5.0 from Encompass
Mike was always available to answer questions and provide guidance, explained the loan process to my client, showed up at closing and made everything seamless! It was a wonderful experience from beginning to end!
Mike Harnett was amazing!! True Professional! MICHAEL CHESTERFIELD, VA December 23 Rating: 5.0 out of 5.0 from Encompass
Mike Harnett was amazing!! True Professional!
Michael was fantastic, responsive, knowledgeable, and easy to work with. He definitely makes the home-buying process less stressful and easier for my clients. LUDMILA WILLIAMSBURG, VA December 21 Rating: 5.0 out of 5.0 from Encompass
Michael was fantastic, responsive, knowledgeable, and easy to work with. He definitely makes the home-buying process less stressful and easier for my clients.