Up to 8 different types of loans

We offer our borrowers VERY competitive interest rates because we focus on keeping our operating costs as low as possible and we have developed loan programs for borrowers who have “cash” income, low FICO scores and have been denied loans elsewhere.

Whether you are seeking an FHA, VA, USDA, Conforming, Hi Balance, Jumbo, Reverse, Hard Money, Fix and Flip, Investment Loan and / or Hard Money Loan we have private and institutional money to offer you so that you can purchase and / or refi the properties you desire.

As our Borrower you will receive “Full Transparency” regarding the interest rate you will receive and the cost of the loan you are acquiring BEFORE you make a decision to work with us. Our goal is to have you 100% Satisfied with the communication, service and loan products we deliver to you.

Our staff is focused on you and your needs and will custom a loan program that is matched with your short, medium and long term goals.

We have realtor connections throughout California and Far Western States so that by working with us to do your loan you are automatically connected to local well known realtors who will also focus on you and provide the most professional service to you.

A very simple 5 minute phone conversation with our loan staff will begin the loan process so you will be pr-approved for a loan.

Thank you for your interest and time in reviewing The Michael Craig Team and we look forward to working with you and your family for years to come.


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Cash Income Borrowers

We specialize in qualifying cash income borrowers with low tax returns net income. Our investors understand that todays families quite often make more monthly income from part time cash jobs.

Self-Employed Borrowers

Our 60 years experience gives us the knowledge on how to underwrite, approve and fund any kind of Self-Employed Borrowers.

Approved with 100 plus Banks

We are a mortgage banker and broker with over 100 bank resources. Our myriad of loan products satisfies our borrowers needs.

Quickest Loan Closings Available

We strive to close your loan as quickly as humanly possible. Given we can offer seamless documentation and quick appraisals we can close just days after receipt of the appraisal.


We loan approve denied and rejected borrowers. Provide us your email to get started today.