NMLS #2655806 · CrossCountry Mortgage · Equal Housing Lender · Licensed:
NMLS #2655806

David Michael

Senior Mortgage Loan Officer with The Michael Team — CrossCountry Mortgage

Everyone deserves a straight answer and a way forward. Whether you're ready to close now or need a few months to get there, you'll leave our first call with a clear plan — never just a "no."

Conventional, government, NonQM, commercial & hard money. The Michael Team at CrossCountry Mortgage — America's #1 retail mortgage lender, licensed in all 50 states with 120+ loan solutions.

Start Application → Book a Call with David
· ·
David Michael, Senior Mortgage Loan Officer
David Michael
NMLS #2655806 · The Michael Team
20+
Loan programs
50
States available
100%
Every client gets a plan
3%
Down payment options
Sample Rates
30-Yr Fixed%
15-Yr Fixed%

National averages from the Freddie Mac Primary Mortgage Market Survey as of — not a rate quote or an offer to lend. Your rate depends on credit, loan type, and property. Contact David for your personalized rate.

01 / Residential Lending

Conventional & Government Loans

Core programs for primary homes, second homes, and investment properties — with low-down-payment and first-time buyer options.

Conventional

Conventional

Fannie Mae & Freddie Mac loans with flexible terms. As low as 3% down, and the best rates for strong credit.

3% min downFixed & ARMInvestment OK
FHA

FHA Loans

Government-backed, accepting credit scores as low as 580 with 3.5% down. Great for first-time buyers or rebuilding credit.

580+ credit3.5% downFirst-time
VA

VA Loans

Zero down for eligible veterans, active duty, and surviving spouses. No PMI and competitive rates. An honor to serve those who served.

0% downNo PMIVeterans
USDA

USDA Loans

100% financing for eligible rural and suburban areas, with low mortgage insurance and competitive fixed rates.

0% downRural/suburbanLow MI
Jumbo

Jumbo Loans

Financing above conforming limits for luxury and high-value homes — loan amounts up to $10M with in-house underwriting.

To $10M10% down options2nd homes
First-Time

Down Payment Help

DPA and 1%-down programs put homeownership in reach sooner — with grants and second-lien options that reduce cash to close.

1% downDPA grantsDoctor loans
02 / NonQM Lending

Non-Traditional & NonQM Programs

Told you don't qualify elsewhere? These are built for unique income, assets, and situations — most with no tax returns required.

NonQM

Bank Statement Loans

Qualify on 12–24 months of bank deposits instead of tax returns. Built for self-employed borrowers whose taxable income doesn't reflect real earnings.

Self-employedNo tax returnsTo $4M
NonQM

DSCR Loans

Qualify on the property's cash flow, not personal income. If the rent covers the payment, you generally qualify. Built for investors scaling a portfolio.

No income docsInvestorLLC vesting
NonQM

1099 Income

Qualify using 1–2 years of 1099s instead of full returns. Ideal for contractors, gig workers, and commission earners with heavy write-offs.

1099 workersContractorsCommission
NonQM

Asset & WVOE Options

Use liquid assets as qualifying income (asset depletion), or a simple employer verification (WVOE) — no tax returns. Great for retirees and complex files.

Asset-basedWVOERetirees
NonQM

Foreign National & ITIN

Non-citizens and ITIN borrowers can finance second homes and investments — no US credit or SSN required on many programs.

ITIN OKNo SSNInvestment
NonQM

Expanded Credit & Condos

Recent credit event? One-day seasoning options after bankruptcy, foreclosure, or short sale — plus non-warrantable condo and condotel financing.

1-day seasoningNon-warrantableSTR-friendly
03 / Investor & Commercial

Investor, Builder & Commercial Financing

Beyond the house next door. Business-purpose lending for real estate investors and builders — and a takeout waiting on the other side. The whole investor lifecycle under one roof.

Acquire→Build or Renovate→Stabilize→Refinance→Repeat
Valere Commercial  ·  Business-purpose lending
Buy it fast

Investor Bridge

Short-term financing on 1–4 unit investment property when speed decides the deal. No financed rehab — for light work you fund yourself, with a clear exit.

Build it

1–4 Family Construction

Ground-up build-to-sell or build-to-rent, from a single spec home to a lot development. Horizontal and vertical work can be financed together.

Renovate it

1–4 Family Fix & Flip

Acquisition plus renovation, funded by draws as the work is completed. Built for experienced flippers and BRRRR operators who need to move quickly.

Hold it

5+ Unit Multifamily Term

Longer-term DSCR financing on stabilized apartment and multifamily properties — purchase, rate/term, or cash-out.

CrossCountry  ·  Investor & specialty programs

DSCR / Investor Cash Flow

1–4 unit rentals qualified on the property's rent — no employment or income documentation.

Cross-Collateral & Blanket

Multiple properties financed under a single loan.

HELOC & Closed-End Seconds

Tap your equity while keeping your low first mortgage intact.

Unique & Non-Warrantable

Non-warrantable condos, condotels, mixed-use, acreage, and unusual properties.

Commercial inquiries are referred to Valere Commercial, an affiliated commercial lender that independently conducts its own underwriting and renders all commercial credit decisions. Business-purpose loans are made to entities for residential investment property — not owner-occupied homes or second homes, and not office, retail, warehouse, industrial, group homes, assisted living, daycare, or SBA lending. Programs generally expect experienced investors with comparable completed projects. Availability, terms, and eligibility vary by state, product, and borrower — ask me for current guidelines before you count on any of it.
Talk Through Your Deal →
04 / Tools

Free Tools & Calculators

Run the numbers yourself. Everything here calculates right in your browser — nothing you enter is sent or stored.

Mortgage Payment Calculator

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HOA Dues *$—
PI — Principal & Interest$—
PITI — + Taxes & Insurance$—
PITIA — + Association Dues$—
* HOA dues are billed separately by your association and are not part of your mortgage payment or escrow. They're included here for budgeting only. PITI includes mortgage insurance where it applies. All figures are estimates — contact David for exact numbers.

Bank Statement Income Calculator

Self-employed? Estimate the monthly income a bank statement loan could use to qualify you.

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Est. Qualifying Income
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This is a rough estimate only. Real qualifying income depends on the specific program, whether personal or business statements are used, your CPA-prepared expense ratio, and underwriter review. The standard starting expense factor is often 50% — but yours may be lower. Let's calculate it for real together.
Get Your Real Number →
05 / Get Started

Let's Build Your Plan

Send me a quick note and I'll reach out with your next steps.

Start your application
Begin your online pre-approval→ Book a free call
15 minutes to map out your options→ Call or text
→ Upload documents securely
Encrypted CrossCountry portal — never email→ Refer a friend
Know someone who needs a straight answer?→ Write a review
Already worked together? It means a lot.→
06 / Questions

Frequently Asked Questions

Often, yes. Many lenders carry only a few products and send a denial the moment you don't fit. I don't work that way. With 20+ programs — Bank Statement, DSCR, 1099, Asset Depletion, Foreign National, commercial and more — if there's a path, we'll find it. And if the answer is "not yet," you'll leave with a clear, written plan and a timeline to get there.

Absolutely. Bank Statement, 1099, WVOE, and Asset Depletion programs are all built for self-employed borrowers whose tax returns understate their real income. Try the bank statement calculator above for a rough estimate, then book a call and I'll match you to the right program.

A Debt Service Coverage Ratio loan qualifies on a property's rental income versus its payment — not your personal income. No W-2s, tax returns, or pay stubs. It's built for investors with multiple properties or complex income. If the property cash flows, you likely qualify.

Yes. Alongside CrossCountry's residential and NonQM programs, commercial and business-purpose deals are referred to Valere Commercial — an affiliated commercial lender that handles its own underwriting and credit decisions. That covers fix & flip, ground-up construction, builder finance, investor bridge, multi-family term, and cross-collateralized loans. These are investment-property loans made to entities, so they aren't for a home you'll live in or a vacation home. Bring me the scenario and I'll tell you quickly whether it's a fit.

I'm personally licensed in . CrossCountry Mortgage, LLC (NMLS #3029) is licensed in all 50 states, so if you're buying or refinancing outside my personal states, reach out and we'll route it correctly.