Over the past ten years I have worked to assist hundreds of clients achieve the dream of home ownership and minimize the cost of mortgage financing. You will enjoy the consultative approach I take when assisting you through the decision making process.

My goal is to ensure every client receives:
1.Courteous and Professional Service
2.Competitively Priced Financing
3.Custom tailored programs to ensure the loan fits you and your family's needs
4.Clear communication to ensure you confidently understand your financing options

Why Michael Bardy?

I truly value your business and understand you have many choices when shopping for a home mortgage. I take my profession seriously and continuously strive to improve my knowledge and understanding of the ever changing mortgage marketplace. You will benefit from my experience and formal education in residential financing, bond markets (interest rates), self employed borrowers (small business owners), real estate trending and consumer credit profiles. This knowledge and experience adds value to the service I provide my clients, value you will not find with the big box lending institutions.

Product Offerings

• H.A.R.P. Refinance - Fannie Mae and Freddie Mac
• F.H.A. / V.A. / U.S.D.A. Streamline Refinance (without appraisal)
• Fannie Mae Home Path Purchase Financing
• F.H.A. 203k Purchase Rehabilitation Financing
• U.S.D.A & V.A. $0 Down Purchase Financing
• Conventional 3% Down Purchase Financing
• Jumbo Mortgage Financing to $5 Million
• State Bond Purchase Programs

Thank you for the opportunity to assist you with your mortgage lending needs. I look forward to earning your business!

Licensed in OH, FL & VA. GSF Mortgage Corp. NMLS# 1018, Equal Housing Lender.