Mike Flanagan
Principal Broker Owner | NMLS: 392116
67 Forest St. #272
Marlborough, MA 01752
(602) 576-2626
mike@mortgageunity.com
Experience
Michael Flanagan is the Principal Broker Owner & Co-Founder of Mortgage Unity LLC. He began his career in the mortgage industry at Wells Fargo in 2006 and has since worked across all major lending channels including Bank, Retail, and Broker. With a Master's degree in Finance, he brings a unique consultative approach to debt structure, helping clients evaluate financing decisions the way a CFO might assess a company's balance sheet.
Client-Focused
Michael specializes in helping clients identify the most efficient and strategic use of their financial resources. He breaks down complex mortgage decisions into clear, manageable steps, offering personalized guidance based on each client's individual goals and financial picture. He believes great advice only comes when someone truly understands your unique situation and priorities.
Areas Served
Michael is licensed in all states where Mortgage Unity operates which include MA, CT, ME, NH, RI, FL, and AZ, working with homebuyers and homeowners across a wide range of markets to find thoughtful, tailored mortgage solutions.
AZ: LO-0917781CT: LO-392116FL: LO54577MA: MLO392116ME: NH: RI:
Home Loans in Marlborough, Worcester & Boston, MA, and Across New England
Buying your first home, moving, or considering refinancing? I'm licensed in Massachusetts, Connecticut, Rhode Island, New Hampshire, and Maine, helping homebuyers and homeowners compare mortgage options and understand their costs.
How much home can I afford?
I'll help you review your income, debts, savings, and target monthly payment to explore a realistic price range. We'll look beyond the interest rate to estimate your down payment, closing costs, taxes, insurance, and any mortgage insurance.
Which home loan is right for me?
I help you compare conventional, FHA, VA, USDA, and jumbo loans based on your goals and qualifications. For self-employed buyers and other borrowers with specialized needs, we can also explore bank statement loans, ITIN loans, investment property financing, and construction loans.
Does refinancing make sense for me?
I'll help you compare your current mortgage with available options, including the payment, closing costs, and long-term cost. Whether you want to lower your payment, change your loan term, or explore cash-out refinancing, we'll review the trade-offs before you apply.
Contact me to discuss your goals and next steps. If you're buying, we can start with a mortgage preapproval.