About Michael
Proudly serving clients across Virginia.
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.
Realtors! Announcing Our: Real Estate Realities Masterminds
On 10/21/2026 at 2:00 pm
In a crowded market, doing great work is not always enough. People also need to understand what makes working with you different. Join me for Real Estate Realities: Jumpstart Your 2027 with Lance Pendleton on October 21 at 2 p.m. ET. Lance will share how to: - Create messaging that cuts through industry noise - Build a business around what clients truly need - Deliver an experience people remember and want to refer See you there!
Borrower Testimonials
Mike was very communicative and his team worked voertime to get things closed when we expereinced delays with the seller's side. Thanks Mike
Mike was super! He provided continual updates, was very good at explaining everything and was always very responsive to all my questions.
My awesome Mortgager Michael always ready to
Our overall experience was very great! Michael made sure he stayed on top of his work during our process. He was very informative and also straight to the point on what was needed and expected for this process to be a success. Michael never hesitated with communicating with us during our time working with him. He ma...
Mike Hartnett and the team were able to guide us through a difficult situation. We were up against deadlines from our previous home buying experience which fell through no fault that we werte aware of. We brought an additional home to this team and they were able to get us to closing in a timely manner.
Always timely communication on how the loan process is proceeding; I never hesitate to refer my clients to Michael because I know they will be in great hands. He has a wonderful rapport with his clients that puts them at ease during what can sometimes a stressful process.
Great guy , made everything easy to understand
I've always been very pleased with the level of service, commitment, and solutions Mike has brought to the table in order to best support my clients.
Prompt communication. Willingness and patience to explain details.
It was my first experience
Prompt and thorough communication, very professional and trustworthy demeanor. Mike made our experience simple and smooth throughout this very complex process.
The communication
He is prompt to respond to inquiries, accommodating, knows loans well, patient to educate, and has solid options for buyers I work with. I refer him to buyers regularly.
Mike work our recent home purchase and did phenomenal work. He was always available to answer questions, and his explanation of issues was thorough and easy to understand.
Always available to answer questions. Explanations were thorough and easy to understand.
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!
My husband and I are thankful to Mike Harnett and his staff for helping us refinance our home. Their support and commitment are truly appreciated.
Mike and his team provided excellent advice and support like always.
Highly recommend for Va home loans. He helped us out and went above and beyond for our first home. He updated us and guided us throughout the whole process.
Mike and his team provided excellent advice and support like always.
Mike always answers his phone with a smile. He makes himself available and made me feel like I mattered!!! Not only was Mike there at all hours to answer questions but he was very communicative about the process! Dont go with anyone but Mike. Shoot, I’d go as far as saying….Mike for President!!!!
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.
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!
- View more testimonials on Experience.com & Zillow.com