About Michael Vernon
When you’re making one of the biggest investments of your life, you want to work with someone you can trust. As your lender, I’ll always have your back.
With over 30 years in the mortgage industry, Michael is knowledgeable on all loan types and real estate transactions, including Conventional, FHA, VA, USDA, Construction and Renovation.
Michael takes the time to help his clients explore the pros and cons of making a purchase or refinance decision. He helps them do their homework so that when they make their decision, they know it is the right one for them.
Michael attended St. Johns College High School in Washington, D.C. and earned a B.S. in Water Resource Management / Civil Engineering from the University of Maryland in College Park.
Michael is known to think outside the box when helping his clients. He is often able to help them secure financing, even after they have been rejected by other lenders. He also coaches clients on credit improvement strategies so that they are able to become homeowners.
A 30 year resident of the Annapolis area, Michael is dedicated to helping his community prosper. He is a former Boy Scout Leader, Youth Sports Coach and currently a member of the Knights of Columbus—Council 1384, the Notre Dame Club of Maryland, and an active volunteer for the Light House and the Beans and Bread homeless shelters.
Why Choose Michael Vernon?
★★★★★
"Mike was professional, knowledgeable, courteous, and extremely effective in communicating during this process. His personable nature increased the comfort level during an incredibly involved and highly stressful time. He was able to guide us along in such a way that explained complex stages of the underwriting so that we were able to proceed with confidence and settle on time. We felt that he truly cared about our success and wanted to help us reach our goal. Mike Vernon was a guiding light for us every step of the way."
-Tracy V | October 30th, 2021
★★★★★
"Michael helped me with my first home purchase. He worked with me to find the right loan package for my circumstances and also made recommendations that helped to decrease the cost required at closing and my monthly payment; all really important factors for me. The entire experience was great and I would highly recommend him for those looking to make a home purchase."
-Mercedes R | November 5th, 2021
Client Tools
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Our calculator tool helps your better understand your budget and home eligibility by giving you an estimated monthly payment based on purchase price, current loan rates, and loan terms.
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- *Estimated, not including taxes and insurance.
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Our professionals are ready to assist you with a personalized estimate, tailored to your specific wants, needs and situation when you're ready. Let us help you finance with confidence.
* The figures shown are estimates and are subject to change based on a more thorough review of your needs, choices, and credit history. The payments shown do not include other expenses you will incur as a homeowner; such as taxes and insurance. For an even more accurate quote, contact a loan officer.
The default interest rate is the Freddie Mac Weekly National Average for a 30-year conventional mortgage as of 02/02/2024. Read More
Actual figures will vary based upon market conditions and a more thorough review of your needs, loan choices and credit history. Please note that the interest rate is different from the Annual Percentage Rate (APR), which includes other expenses such as mortgage insurance, and the origination fee and or point(s), which were paid when the mortgage was first originated. The APR is normally higher than the simple interest rate. The payments shown do not include other expenses you will incur as a homeowner; such as taxes and insurance. This is an estimate. For a more accurate quote, speak with a loan officer. This calculator is a tool and is not intended as an advertisement.
Michael's Featured Articles
Reasons to Use a Local Lender
Preparing for Homeownership
Do’s and Don’ts of the Mortgage Process
Contact Michael Vernon
Whether you're in need of a mortgage or simply looking for advice, I'm happy to help. Let's connect!
Areas Michael Serves
I’m available for all your mortgage needs in the following states: