Michael Girard Jr. | American Gateway Mortgage & Realty - Lincoln, California

James B.

In our family's experience, Mike is the rare breed of experience, customer devotion, and honesty, that the real estate business usually lacks. We searched a plethora of homes in different areas and Mike did a fantastic job melding the art of regional market knowledge, with the nuance necessary for the fickle nature of customer want, need, and personal constraint. His rates are very reasonable, and given the above a striking value. My family and I highly recommend Mike to anyone in need of a home!

Jennifer W.

Michael was very patient and helpful throughout both our home buying and selling process. As a one stop shop for both lending and real estate, I highly recommend American Gateway Mortgage for all aspects of a real estate transaction. During a period of rising interest rates and market instability, we were able to get our loan approved and sell our home quickly with terms that allowed us flexibility and time to close on the right next home. They also negotiated seller credits that allowed us in the near term to lower our interest rates.

Dionna L.

Michael made the buying a house process so easy. We have used him for a refinance and to purchase a rental and both times the process was quick and easy. He is very organized and knowledgeable. He is always quick to respond to every email, call or text I don’t think I ever had to wait more than an hour for a response (even when he was on vacation). I will most definitely be using Michael Girard for any future loans and would HIGHLY recommend him to anyone looking to purchase if you’re looking for a stress free, time efficient purchase. Everything is done remotely and at the very end when it comes time to sign documents he had a notary just come to our house, doesn’t get any easier than that!

Joe R.

Highly recommend Mike!
Mike helped make our refinance process so easy and quick. Mike is very knowledgeable, has great communication and easy to work with.
I had 3 other local institutes give me quotes and they're paperwork, communication and process took forever and all their rates were higher.
If you want a good rate and smooth easy process please consider Mike.

Pacific P.

we have worked with Michael for over 15 years now. Michael is very knowledgeable, honest, reliable, and easy to communicate with. He will find you the best deal with your mortgage needs. he helped us sold our house in Lincoln and when we moved to San Diego, we still used his services.
I definitely recommend Michael if you are looking for your mortgage needs.

Never D. D.

Michael has been a pleasure to do business with.

He is both professional and friendly.

My loan process with Michael and his company was one of the smoothest I have encountered.

He kept me informed and updated as necessary.

I highly recommend his services and will definitely recommend him to my family and friends.

-Julieta F.

Mark N.

Mike was a pleasure to work with. His guidance and knowledge made the process easier for my wife and me as first-time home buyers.

He assessed our situation (admittedly, not the most ideal) and came up with a game plan and executed.

We also saved over $5,000 in closing cost by using Mike’s services when compared to our original intended loan company.

Great experience. Understanding. Knowledgeable. Helpful.

LaVonna M.

We wanted to say a few words about Michael Girard as our Mortgage Broker. Michael is the most professional and client concerned broker we have ever worked with. He has his client’s needs foremost in his mind. We were set to sign with one company but on that day the rates went down. Mike called us and said I have found you a better deal with lower rates so don’t sign. He not only found us a better deal. We would have never known that and he would have gotten his commission sooner, instead he helped us. He also is the most through agent we have found. He did our numbers and got back to us in 3 days; provided a list of what we needed to provide; got the approval and we closed within 1 month. He also sent a Notary to our house for our convenience instead of us having to go to an office. If you are looking for an honest, hardworking, concerned Broker with your best interest in mind, please give Mike a try.