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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.
Rating: 5.0 out of 5.0 from Encompass Prompt and thorough communication, very professional and trustworthy demeanor. Mike made our experience simple and smooth throughout this very complex process. Laura LNewport News, VA May 08
Prompt and thorough communication, very professional and trustworthy demeanor. Mike made our experience simple and smooth throughout this very complex process.
Rating: 5.0 out of 5.0 from Encompass The communication Pedro AWEST POINT, VA May 01
The communication
Rating: 5.0 out of 5.0 from google 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. Adam Garrett – Garrett Realty Partners Apr 30
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.
Rating: 5.0 out of 5.0 from google 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. David Cvitanovich Apr 18
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.
Rating: 5.0 out of 5.0 from Encompass Always available to answer questions. Explanations were thorough and easy to understand. David ANewport News, VA Apr 17
Always available to answer questions. Explanations were thorough and easy to understand.
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! JoshuaURBANNA, VA Apr 09
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!
Rating: 5.0 out of 5.0 from google 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. Leonila Perry Apr 07
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.
Rating: 5.0 out of 5.0 from google Mike and his team provided excellent advice and support like always. Mike S Apr 03
Mike and his team provided excellent advice and support like always.
Rating: 5.0 out of 5.0 from google 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. Joshua Colonna Apr 03
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.
Rating: 5.0 out of 5.0 from Encompass Mike and his team provided excellent advice and support like always. MichaelVIRGINIA BEACH, VA Apr 01
Rating: 5.0 out of 5.0 from google 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!!!! Meredith Wiebel PsyD Apr 01
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!!!!
Rating: 5.0 out of 5.0 from Encompass Mike Harnett and the staff are very professional and always willing to help us. Leonila CNEWPORT NEWS, VA Mar 31
Mike Harnett and the staff are very professional and always willing to help us.
Rating: 5.0 out of 5.0 from Encompass The team in itself. They all worked together and acheived the mission. Michael CNEWPORT NEWS, VA Mar 31
The team in itself. They all worked together and acheived the mission.
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! AlixURBANNA, VA Mar 27
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!
Rating: 5.0 out of 5.0 from google Mike and Jennifer went above and beyond for my housing lending needs it felt like family rather than just another client on their caseload if you want to be made to feel valued needs met and people who really care about seeing you make it to the finish line I will recommend to everyone I know and will use again for future investment properties Franklin Bradford Mar 16
Mike and Jennifer went above and beyond for my housing lending needs it felt like family rather than just another client on their caseload if you want to be made to feel valued needs met and people who really care about seeing you make it to the finish line I will recommend to everyone I know and will use again for future investment properties
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. Cesar AngelPOQUOSON, VA Mar 13
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.
Rating: 5.0 out of 5.0 from google If you’re a first-time buyer, military member, or just looking for a lending officer who truly delivers, I highly recommend Micheal at OVM. He played a huge role in helping me get into a great home, and I’m extremely grateful! Akoni Rodriguez Mar 11
If you’re a first-time buyer, military member, or just looking for a lending officer who truly delivers, I highly recommend Micheal at OVM. He played a huge role in helping me get into a great home, and I’m extremely grateful!
Rating: 5.0 out of 5.0 from Encompass Friendly, knowledgeable and very responsive. Highly recommend! LaurenHayes, VA Mar 10
Friendly, knowledgeable and very responsive. Highly recommend!
Rating: 5.0 out of 5.0 from google Michael Hartnett is very knowledgeable, personable and efficient. He was able to clearly communicate updates and guide my family and me through this transaction. I felt that Michael had my best interest in mind and that I was in good hands. He always provided a quick response and was willing to find the answer to all of my questions. Furthermore, h... Christian Trocke Feb 24
Michael Hartnett is very knowledgeable, personable and efficient. He was able to clearly communicate updates and guide my family and me through this transaction. I felt that Michael had my best interest in mind and that I was in good hands. He always provided a quick response and was willing to find the answer to all of my questions. Furthermore, h...
Rating: 5.0 out of 5.0 from facebook 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. Adam Garrett Feb 24
Rating: 5.0 out of 5.0 from google From start to finish our home buying process with One Presidential Mortgage was really great everyone there makes you feel comfortable as you take the proper steps to buy your new home my husband and i really appreciate the hard work that everyone there did to make us feel at ease as the process wasn't long we closed on our new home yesterday and i... Shirley Mcgee Feb 18
From start to finish our home buying process with One Presidential Mortgage was really great everyone there makes you feel comfortable as you take the proper steps to buy your new home my husband and i really appreciate the hard work that everyone there did to make us feel at ease as the process wasn't long we closed on our new home yesterday and i...
Rating: 5.0 out of 5.0 from Encompass Friendly and knowledgeable Alecia TheresaNEWPORT NEWS, VA Feb 05
Friendly and knowledgeable
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... AkoniNEWPORT NEWS, VA Jan 30
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...