Mike Wright at The Wright Loans provides expert mortgage solutions for homebuyers, homeowners, and investors across California and beyond. Whether you are purchasing, refinancing, or exploring jumbo or investment property loans, Mike offers guidance every step of the way. Licensed in Arizona, California, Florida, Idaho, Tennessee, and Wyoming.
Vice President/Mortgage
NMLS #234953 | DRE #01817982
Discover why clients choose The Wright Loans for their mortgage needs.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Competitive rates, flexible terms, and broad property choices. Mike Wright compares fixed and adjustable options, models monthly payment and long term cost, and shows how to remove mortgage insurance when equity grows. With lender choice and steady updates, your financing aligns with budget and goals for a smooth, on time closing.
Lower down payment with supportive credit guidelines. Mike Wright prepares a clean file, explains mortgage insurance, and sets expectations for appraisal items and simple fixes. You will know payment, cash to close, and key dates before you shop. A practical way to purchase with confidence in California’s competitive markets.
For eligible veterans and active duty service members. Zero down, competitive rates, and no monthly mortgage insurance. Mike Wright secures your Certificate of Eligibility, clarifies entitlement and funding fee rules, and coordinates appraisal, title, and closing. You receive clear numbers and steady communication from pre approval to final salute at the closing table.
Confidence for higher priced homes common in California. Mike Wright organizes income, assets, reserves, and valuation, then presents a thorough file for competitive pricing. Explore fixed, adjustable, and interest only structures with clear scenarios for payment and long term cost. Strong preparation supports a calm approval and an on schedule closing.
Documentation that reflects real cash flow for owners, freelancers, and independent contractors. Mike Wright evaluates bank statements, 1099 history, and profit and loss summaries to build a fair income picture. With organized deposits, reserves, and a tailored structure, you receive terms that fit your business cycle and long range plan.
Flexible solutions when traditional rules do not fit. Programs may use bank statements, 1099 income, profit and loss, assets, or property cash flow. Mike Wright explains methods, verifies guideline fit, and compares pricing with conventional paths. You get a clear route to approval today and a strategy to optimize costs later.
Qualify using twelve or twenty four months of personal or business statements. Mike Wright selects the right statement type, applies expense factors when needed, and prepares a complete submission. See income estimates, payment, and cash to close before you shop, then move forward with a lender that values proven deposits and stability.
Finance rentals and second homes with options that support cash flow and growth. Choose conventional or DSCR paths that qualify on rent. Mike Wright coordinates appraisal and rent schedules, models down payment and reserve strategies, and compares fixed and adjustable terms so each property fits your portfolio and comfort level.
Homeownership without a Social Security Number. ITIN and Foreign National programs accept alternative documentation, verified funds, and acceptable visas. Mike Wright builds a precise checklist, handles translations when required, and manages timing across time zones. Purchase a primary home, second home, or investment with clear steps and steady guidance.
Lower your rate, shorten your term, or remove mortgage insurance with clear numbers. Mike Wright compares options side by side and organizes appraisal, title, and rate lock dates. You see payment, total interest, and break even before you move. A simple way to improve comfort and long term cost.
Turn home equity into funds for renovations, education, or reserves. Mike Wright confirms loan to value limits, estimates available cash after costs, and compares term choices with break even math. You receive exact figures, a smooth appraisal process, and a funding timeline that matches your project plan.
Finance improvements or a ground up build with one plan. Mike Wright coordinates bids, draws, inspections, and after improved value, then explains rate locks and conversion to permanent terms. Clear milestones keep contractors moving and budgets aligned so you finish on time and move in with confidence.
Zero down financing for eligible areas with competitive terms. Mike Wright confirms income limits, checks property eligibility on official maps, and explains guarantee fees and seller credits. You will know payment, cash to close, and review steps in advance. A practical path to ownership in many suburban and rural communities.
Buy your first home with less upfront cash and a clear plan. Mike Wright explains assistance options, credit paths, and closing costs, then prepares a strong pre approval so your offer stands out. See how down payment help and closing credits work in Huntington Beach and across California, from application to keys in hand.
Eliminate monthly mortgage payments, access a line of credit that can grow, or purchase a new primary home later in life. Mike Wright explains eligibility, counseling, fees, and non recourse protections, then tailors payout choices for care, renovations, or reserves. A steady path that supports comfort and independence at home.
Hi, I’m Mike. I’ve been helping people finance their homes since 2003, and I still get excited about every single closing. Mortgages aren’t just numbers and paperwork to me — they’re the foundation for someone’s home, family, and future.
Over the last 20+ years, I’ve built my business on relationships and trust. My clients know me for being hands-on, creative, and responsive, especially when a deal is complicated or time-sensitive. I love finding ways to make the impossible happen, whether that’s helping a first-time buyer get into their dream home, structuring a loan for a self-employed client, or rescuing a transaction that’s gone sideways elsewhere.
What drives me is seeing the relief and joy on a client’s face when the loan funds and the keys are handed over. It’s why I answer the phone on vacation and why so many of my clients become long-term friends.
When I’m not working on loans, you’ll usually find me at the beach with my dog Tucker, out surfing or kite surfing, on the golf course, or playing pickleball. I also spend a lot of time cheering on my kids at baseball, water polo, and swim meets. I love traveling with my family, skiing in the winter, and staying active.
If you’re thinking about buying, refinancing, or just exploring your options, I’d love to be your guide through the process.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Ready to take the next step? Whether you’re buying your first home, refinancing, or exploring loan options, the Wise Home Lending Team is here to help. Contact us today and let our experts guide you through a seamless Home Loan and Mortgage process. Your journey to the perfect home starts here!
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
You can choose from a wide range of programs, including Conventional, FHA, VA, Jumbo, USDA, Renovation and Construction, Adjustable Rate Mortgages (ARM), Cash Out Refinance, HELOC (Home Equity Line of Credit), and Reverse Mortgages. We also specialize in Self Employed Mortgages, Bank Statement Loans, Non Qualified Mortgage (Non QM) programs, Investment Property Financing, and ITIN or Foreign National loans. Mike Wright helps you compare them side by side, so you get a loan that fits your needs today and supports your goals long term.
First-time buyers can benefit from FHA programs and Down Payment Assistance (DPA) that make entry more affordable. Mike Wright explains how to qualify, reviews credits and assistance, and prepares a clean file for pre approval. You will see payment and cash to close figures in advance, so you can shop with confidence in California’s competitive markets.
Conventional loans are popular for their flexible terms and competitive rates. They support primary homes, second homes, and investment properties. Mike Wright shows how to remove mortgage insurance once equity grows, and how fixed or adjustable terms affect your monthly payment and total cost over time.
FHA financing allows lower down payments and more forgiving credit requirements. It’s a helpful option for buyers who are building credit or managing past challenges. Mike Wright organizes documents, explains mortgage insurance, and sets appraisal expectations, so you have a smooth process from start to finish.
VA loans provide zero down, no monthly mortgage insurance, and competitive rates for veterans, service members, and eligible spouses. Mike Wright secures your Certificate of Eligibility, explains entitlement, and guides you from pre approval to closing so your service is rewarded with a calm, affordable process.
In many California markets, home prices exceed conventional limits. Jumbo loans cover those higher amounts and often require careful review of income, reserves, and property value. Mike Wright prepares a strong file and explains fixed, adjustable, or interest only structures, so you can buy with confidence.
Self employed buyers can use Bank Statement Loans, 1099 income, or profit and loss statements to show true earnings. Mike Wright reviews deposits, organizes statements, and finds the right lender fit. This ensures your approval reflects how you actually earn, not just what shows on tax returns.
Non Qualified Mortgage programs help when traditional rules do not fit. They can qualify borrowers based on bank statements, 1099s, assets, or property cash flow. Mike Wright explains guideline options, sets expectations, and creates a plan you can refinance into a conventional loan later if it benefits you.
Investment loans can be structured as conventional or DSCR (Debt Service Coverage Ratio) loans that qualify based on rental income. Mike Wright reviews rent schedules, down payment options, and reserve rules, then shows how each structure supports your portfolio and long term growth strategy.
Yes. ITIN loans and Foreign National programs allow buyers without a Social Security Number to purchase a home. These loans verify identity, funds, and income through alternative documentation. Mike Wright provides a clear checklist and manages each step so international buyers can achieve homeownership with confidence.
If you plan to upgrade a property or build a home, these programs finance purchase plus improvements or land plus construction with one plan. Mike Wright coordinates bids, inspections, and draws, then explains after improved value so your project stays on budget and on schedule.
An ARM offers a lower starting payment with a fixed period, followed by adjustments tied to an index. It can be a smart choice if you plan to move or refinance within that window. Mike Wright explains caps, models future payments, and sets refinance checkpoints so you stay prepared.
A Cash Out Refinance provides a lump sum, while a HELOC offers flexible access with a line of credit you can draw and repay during the term. Mike Wright reviews loan to value limits, payment impact, and long term costs so you can choose the approach that balances flexibility and savings.
A reverse mortgage can eliminate monthly mortgage payments for homeowners age 62 or older. Funds can be received as a lump sum, line of credit, or monthly payments. Proceeds can be used for care, renovations, or even purchasing a new home. Mike Wright explains eligibility, counseling, and protections so your retirement plan feels steady and safe.
