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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.
Mike and his team provided excellent advice and support like always. Michael VIRGINIA BEACH, VA April 01 Rating: 5.0 out of 5.0 from Encompass
Mike and his team provided excellent advice and support like always.
Mike Harnett and the staff are very professional and always willing to help us. Leonila C NEWPORT NEWS, VA March 31 Rating: 5.0 out of 5.0 from Encompass
Mike Harnett and the staff are very professional and always willing to help us.
The team in itself. They all worked together and acheived the mission. Michael C NEWPORT NEWS, VA March 31 Rating: 5.0 out of 5.0 from Encompass
The team in itself. They all worked together and acheived the mission.
Michael helped us out straight from the start. He made sure he went out of his way to get us our first home. he updated us throughout the process. highly recommend for Va home loans! Joshua URBANNA, VA March 30 Rating: 5.0 out of 5.0 from Encompass
Michael helped us out straight from the start. He made sure he went out of his way to get us our first home. he updated us throughout the process. highly recommend for Va home loans!
The level of service matches my level of service and he's a valuable, creative, solution driven, and always easy to reach! His service, knowledge, and resources are top-tier. Look no further! Highly valued partner in providing top level service to my clients. Thank you, Mike! Alix URBANNA, VA March 27 Rating: 5.0 out of 5.0 from Encompass
The level of service matches my level of service and he's a valuable, creative, solution driven, and always easy to reach! His service, knowledge, and resources are top-tier. Look no further! Highly valued partner in providing top level service to my clients. Thank you, Mike!
My family and I are brand new at this entire process and the team helped us secure the house we love in a few short weeks. Everything happened so fast it didnt feel real until the keys were in my hand. Thank you all so much. Cesar Angel POQUOSON, VA March 13 Rating: 4.5 out of 5.0 from Encompass
My family and I are brand new at this entire process and the team helped us secure the house we love in a few short weeks. Everything happened so fast it didnt feel real until the keys were in my hand. Thank you all so much.
On 04/30/2026 at 2:30 pm
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