You have a lawyer.

You have an accountant.

You lead a busy, productive life. And you rely on top professionals to take care of your business interests.

You deserve the same professional care when you buy or refinance a home.

Get the loan that's right for you

No two people have the same mortgage loan needs. Unlike a bank or direct lender, Michael has access to a wide variety of loans. He receives rate quotes daily from wholesale lenders nationwide, with hundreds of different programs. Many of these loans are not available on a retail basis.

Many lenders use Michael to "originate" a loan. He verifies your credit and the property, and forwards the information to the lender. That saves them time and money.  In return, lenders give Michael their loans at wholesale, allowing him to be competitive with other direct lenders. 

Michael Johnston continues to look out for you

Michael builds relationships with his clients.  He uses a special computer system to continually track interest rates.  If it's a good time to refinance, Michael will let you know.  And when you're ready for a bigger home or a second home, Michael will be ready to help you.  This ongoing commitment to his clients has earned Michael many referrals, the proof of excellence in the mortgage brokerage business.