I’m Mike Wright. I help borrowers in AZ, CA, FL, ID, TN, and WY compare mortgage options, costs, and next steps. Start with a conversation, or open the separate secure application when you’re ready.
Discover why clients choose The Wright Loans for their mortgage needs.
Your Path to Homeownership Starts Here
Start with the loan types most relevant to your goal. Each guide explains how the option works, what to compare, and what information to prepare before you talk with Mike.
A flexible option for primary homes, second homes, and some investment properties. Compare cash to close, mortgage insurance, payment structure, and total cost with other eligible programs.
A government-insured option that may suit buyers who need a different qualification path. Review mortgage insurance, property requirements, cash to close, and how the payment compares with conventional financing.
For eligible service members, veterans, and certain surviving spouses. Review entitlement, the funding fee, appraisal requirements, cash to close, and whether a down payment is needed for your transaction.
Financing above the applicable conforming loan limit. Compare reserve, appraisal, documentation, and loan-structure requirements, which can vary by lender and property.
Standard and alternative documentation may be available for business owners and independent earners. Compare how each option calculates income, treats expenses, and affects cash to close and total cost.
Alternative mortgage programs for scenarios that do not fit Qualified Mortgage standards. Documentation, reserves, pricing, prepayment terms, and property rules vary, so compare the full structure carefully.
An alternative-documentation option that may use eligible deposit history to evaluate income. Review the statement period, excluded deposits, business-expense method, reserves, and cost before choosing it.
Purchase or refinance an investment property using borrower-income or property-cash-flow options. Compare rent assumptions, reserves, down payment, prepayment terms, and total cost.
Some programs accept an ITIN or documentation for eligible foreign-national borrowers. Identity, residency, income, asset, occupancy, and reserve requirements vary by program.
Replace an existing mortgage to change its rate, term, or structure. Compare fees, break-even timing, the new payment, and total interest—not the payment alone.
Replace the current first mortgage with a larger loan and receive eligible proceeds after liens and costs are paid. Review the new rate, payment, term, remaining equity, and total cost.
Financing may combine eligible acquisition or refinance costs with approved improvements. Review contractor, budget, draw, inspection, appraisal, contingency, and timing requirements before relying on the structure.
For eligible primary residences, locations, and households. Some qualified borrowers may receive 100% financing, but guarantee fees, closing costs, property rules, and income limits still apply.
Loan and assistance programs may reduce upfront cash for eligible buyers. Compare repayment terms, income or location limits, payment, fees, restrictions, and the cost with and without assistance.
An option for eligible older homeowners that converts home equity into loan proceeds. The balance can grow, property charges remain due, and repayment events and counseling requirements should be understood first.
I’m Mike Wright, Vice President/Mortgage with The Turnkey Foundation Inc. DBA Arbor Financial Group. I help borrowers in AZ, CA, FL, ID, TN, and WY compare mortgage options and understand the next steps. My goal is straightforward: explain the numbers, tradeoffs, and process clearly.
Start with your property state, goal, timing, documentation, available funds, and priorities. Mike will use that context to discuss which available paths may fit.
Mike starts with the property, goal, income documentation, available funds, timing, and priorities before comparing eligible paths.
Review payment, cash to close, fees, loan structure, and long-term cost using the same scenario—not an advertised rate in isolation.
Mike works with borrowers in Arizona, California, Florida, Idaho, Tennessee, and Wyoming. Property location determines where he can assist.
Questions and website inquiries go directly to Mike. A general inquiry starts a conversation and is not an application, approval, rate lock, or commitment to lend.
Practical checklists and decision guides for preparing, comparing options, and asking better mortgage questions.
Tell Mike whether you plan to buy, refinance, use home equity, or finance an investment property. The contact form starts a conversation; the secure application is a separate step.
Start with the questions that determine whether to contact Mike, use the calculator, or open the secure application.
Mike can discuss home-purchase, refinance, home-equity, investment-property, and alternative-documentation goals. He will ask about your property state, timing, and priorities before discussing which available paths may fit.
Mike is licensed in Arizona, California, Florida, Idaho, Tennessee, and Wyoming. If the property is outside those states, do not submit sensitive financial information through the website form.
No. The inquiry form starts a conversation with Mike. It does not create a mortgage application, approval, rate lock, commitment to lend, or credit check.
Share the property state, whether you plan to buy or refinance, your general timing, and how you would like Mike to contact you. Do not send a Social Security number, bank credentials, account numbers, or other highly sensitive financial information through the general inquiry form.
Use the separate ‘Start an application’ link to open Mike’s secure Arbor Financial Group application. If you are unsure whether you are ready, contact Mike first.
Loan programs, terms, fees, and eligibility vary. A conversation with Mike is not an application, approval, rate lock, or commitment to lend.