Michael Engels

Title: Mortgage Loan Originator
Work Phone: 401-699-2444
Fax: (401) 753-6653
Email: mengels@homepointfinancial.com
NMLS#: 16163

Results-driven, high energy RI and MA licensed Mortgage Loan Officer with experience managing Purchase and Refinance transactions. Out of the box Lending professional known for strategic planning delivering client satisfaction.

Specialties: Relationship Building, Mortgage Creation, Credit Rehabilitation, Financial Literacy.

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How to Get the Best Mortgage Rate

How to Get the Best Mortgage Rate

Buying a home is a huge financial commitment. Finding the right mortgage with the best mortgage rate can be a confusing process, especially for first-time homebuyers. The best way to find out what will work best for you is to ask yourself — “What can I...

Benefits of 100-Percent Home Financing

Benefits of 100-Percent Home Financing

What Is 100 Percent Home Financing? So you are thinking about buying a home, and you’re exploring your options. Most of the time, lenders want you to have a 10-20% down payment. However, is putting your hard earned money down the best option for you? A lot of...

Pros and Cons of Cash-Refinance

Pros and Cons of Cash-Refinance

What Is A Cash Refinance? A cash out refinance replaces your existing mortgage with a new home loan for more than you owe on your house. The difference goes to you in cash and you can spend it on home improvements, debt consolidation or other financial needs. This is...

Five Reasons To Refinance Your Mortgage

Five Reasons To Refinance Your Mortgage

Refinancing Can Be Good For Some Homeowners Refinancing a mortgage means paying off an existing loan and replacing it with a new one. There are many reasons why homeowners refinance: lower interest rates, consolidate debt, reduce or increase your loan term, etc. It’s...

Mortgage Broker vs. Mortgage Lender

Mortgage Broker vs. Mortgage Lender

WHAT IS THE DIFFERENCE? Most people will need a mortgage to buy a home. That means not only do you need to shop for a home, you need to shop for a home loan as well. Don’t just go with the first option that you get. Being able to save even a little bit of money in...

Is It Time to Refinance?

Is It Time to Refinance?

Don’t know whether you should refinance or not? Mortgage rates are low now, but are on the rise and they are higher now then they have been in the past two years. The US Treasury is set to soon raise interest rates which means you might be paying more on your...