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Buy Your
Dream Home
With Us

Michelle Overstreet | Mortgage Consultant
     NMLS: 1592229

      (661) 369-2884

Welcome — I’m Here to Help You Every Step of the Way

Buying, selling, refinancing, or building a home is a big step—and the right loan specialist makes all the difference. With years of experience and in-depth knowledge of mortgage products, I provide fast, accurate, and trustworthy guidance to help you find the financing solution that truly fits your needs.

My top priority: Making sure you choose the best option for you and your family.

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Local Loan Solutions

Imperial County

With its strong agricultural base and border-town dynamics, Imperial County has unique real estate opportunities. Whether you’re a first-time buyer, refinancing, or interested in specialty programs, I’ll help you navigate the right loan options to meet your financial goals.

San Diego

With its fast-paced, competitive housing market, San Diego requires tailored strategies. I provide solutions for conventional, jumbo, investor, and self-employed borrowers, helping you secure the financing that fits your lifestyle.

Bakersfield

Living and working here, I know the unique needs of our community. From first-time buyers to refinancing or reverse mortgages, I’ll guide you to the best loan program for your goals.

Kern County

From city living to rural retreats, Kern County offers a wide variety of options. Whether you’re seeking a cash-out refinance, construction loan, or specialty program, I’ll take the time to match the right loan to your needs.

Fresno County

As one of California’s fastest-growing regions, Fresno County offers both affordability and variety. From rural properties to urban homes, I provide financing solutions including FHA, VA, USDA, and conventional loans—tailored to your needs and budget.

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Why Work With Me?

· Variety of Loan Programs — FHA, VA, USDA, Conventional, Jumbo, Investor, Self-Employed (1099), and Reverse mortgages.

· Easy-to-Use Tools — calculators and resources to help you make confident decisions

· Simple Application — a 4-step process that takes just minutes

· Personal Service — I’ll personally call you after you apply, or you can schedule an appointment online

Always available by phone, email, or text for questions and advice.

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Refinance, Equity & Reverse Mortgage Options

Looking to save money or tap into your home’s equity? I offer programs like FHA Streamline, VA Cash-Out, and more. Whether your goal is lowering monthly payments or funding important life needs, I’ll explain every option clearly so you can make informed decisions.

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My Commitment to You

I believe in clear communication and full transparency. From application to closing, you’ll feel supported and informed every step of the way.

My passion for helping clients—combined with personalized service and expert knowledge—is what sets me apart.

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Let’s Get Started

✔ Apply online in minutes ✔ Schedule an appointment with me ✔ Call, email, or text anytime

Together, we’ll make your home financing journey smooth, simple, and successful.

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GETTING YOUR HOME LOAN
SHOULDN'T BE COMPLICATED

The Loanzify App guides you through your mortgage financing and connects you directly to your loan officer and realtor.

Mortgage Payment Calculator

Calculate how much your monthly mortgage payment could be.

* Results are hypothetical and may not be accurate. This is not a commitment to lend nor a preapproval. Consult a financial professional for full details.

See All Mortgage Calculators

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The Right Tools to Help you Every Step of the Way