Local. Experienced. Trusted.

I'm Michael, your local mortgage expert.

I'm here to help you find the right mortgage options for you and your family.

NMLS #248390

(858) 220-9039
Mike@MikeTheLoanGuy.com

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Why C2 Financial?

As a top mortgage broker in the nation, C2 Financial offers access to superior loan products, competitive rates, and gold-star service. That's why over 115,000 families have chosen C2 Financial for their mortgage financing needs. Michael D. Lowary is proud to be a broker associate with the C2 Financial family!

About Me

Hello, I'm Michael D. Lowary, a dedicated mortgage loan officer at Mike The Loan Guy. With 30+ years of experience in the mortgage industry, Michael D. Lowary is committed to providing personalized loan solutions to meet the unique needs of his clients. Whether you are a first-time home buyer looking for your dream home or a homeowner interested in refinancing, I am here to guide you through the entire loan process with professionalism and care.

San Diego is a vibrant city with diverse neighborhoods and a booming real estate market. As a mortgage loan officer in San Diego, I understand the local market trends and can help you secure the best loan for your home purchase. If you are a first-time home buyer in San Diego, I can assist you in navigating the options available, including First Time Home Buyer Loans, to make your dream of homeownership a reality.

At Mike The Loan Guy, Michael D. Lowary specializes in a wide range of loan types, including FHA Loans, VA Loans, USDA Loans, High Balance Loans, Jumbo Loans, Conventional Loans, Commercial Loans, Reverse Mortgages, Non-QM Loans, and Bridge Loans. No matter what your mortgage needs are, I am dedicated to finding a great loan solution for you. Contact Mike Lowary today to start your journey toward homeownership!

There are a lot of financing options ‐ let's find the right one for you.

Whether you are looking to buy, refinance, or grow your real estate portfolio, we've got you covered with the right loan products to fit your needs.

Conventional
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VA
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What People Are Saying

We have worked with Michael D. Lowary on multiple loans on our properties over the last 14 years. We appreciate his expertise and knowledge in the mortgage and real estate market. Sara Fitzpatrick from Truckee, CA Mike The Loan Guy has become a trusted friend and advisor over the years, he has helped us with two complicated 1031 exchanges that have enabled our family to continue to grow our real estate portfolio, while making our lives less stressful and more enjoyable. He has a great sense of humor, and we know he always has our best interest in mind. Mike is the first person we call when we need help and advice on our loans. We will forever be grateful for Mike Lowary and highly recommend him as a knowledgeable loan professional for your real estate transactions.

Mike Lowary worked a miracle for me!! Catalina V. from San Diego, CA When I called Mike Lowary, I had already been told that I would not get approved for a jumbo loan. I was desperate, facing a balloon payment of over a million $ in 15 years. All was in order in terms of my credit score, home value, financial situation except that a timeshare company had reported 3 late payments on a $17K mortgage which I disputed. It didn't matter that I ultimately settled and paid it off! Mike Lowary rolled up his sleeves and went to work for me, and with his consummate professionalism, addressed anything that came up! I estimate that with this loan, Mike saved our family close to $400K and the ability for me to have peace of mind. Thank you, Mike, for everything!!

Loan made Easy by Mike The Loan Guy! Virginia H. from Murrieta, CA I have just finished a refinance with Mike Lowary and I could not be more pleased. His level of service is outstanding. The process was smooth, and so much less stressful than my previous mortgage broker. My loan was “out of the box,” but he made it work and found the right tools to make it seamless. My rate is lower than I could have ever expected. His communication is incredible, he is honest. He is very willing to explain every process with you and who gets what. No surprises- just excellent work. Mike Lowary - you’ve got this nailed, don’t ever stop!

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Michael D. Lowary
Mortgage Loan Originator
Phone: (858) 220-9039
Mike@MikeTheLoanGuy.com

Branch Address:
12230 El Camino Real #100
San Diego, CA 92130

C2 NMLS #135622 | C2 CA DRE #01821025 | NMLS #248390 | CA DRE #01182136

C2 NMLS #135622

C2 Financial is rapidly growing with active licenses in over 34 states as of March 2024. Number of licensed states and lenders within the C2 Lender Network may vary. www.C2Financial.com

C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker # 01821025; Alabama SBD #23303; Arizona DFI #919209; Arkansas ASD #129945; Colorado DRE; Florida OFR #MBR3519; Hawaii DFI #HI-135622; Idaho DOF #MBL-9475; Illinois DFPR #MB.67618115; Kansas OSBC #135622; Kentucky DFI #MC809104; Louisiana OFI #135622; Michigan DIFS #FL0023565 / SR0023566; Minnesota DOC #MN-MO-135622; Mississippi DBCF #135622; Montana DBFI #135622; Nebraska DBF #135622; Nevada MLD #3260; New Mexico FID #135622; Ohio DFI #RM.804919.000; Oklahoma DOCC #MB014489; Oregon DOF #ML-4917; South Carolina DCA #135622; South Dakota DOB #135622.ML; Tennessee DFI #135622; Texas SML #135622; Washington DFI #MB135622; Wyoming DOB #4612; NMLS # 135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. As a broker, C2 Financial Corporation is NOT individually approved by the FHA or HUD, but C2 Financial Corporation is allowed to originate FHA loans based on their relationships with FHA approved lenders.

Consumers in Texas: Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at (877) 276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov