Understand the full picture.
Your income, assets, credit, property, goals, and documentation. Not just a number on an application.
AN INSIDER’S EXPERIENCE. YOUR ADVANTAGE.
WHEN THE BANK
SAYS NO…
ASK THE
EX BANKER.
I’m Michael Ciglar. You can call me Mike.
24+ years inside major banks and mortgage lending. Now I help homebuyers understand their financing, evaluate their options, and determine which paths may be worth exploring.
Trust has to be worth more than the transaction.
The experience behind the perspective
YOUR SITUATION. YOUR STARTING POINT.
No loan catalog required.01 / THE NEXT CHAPTER
BUYING A HOME
Understand your financing before you make your move.
The Homebuyer Insider ClassSTART HERE
02 / A CLOSER LOOK
FINANCING DOESN’T
FIT THE BOX
Self-employed, 1099, complex compensation, investment property—or another lender already said no?
A review of your scenarioASK THE EX BANKER
A conversation, not a commitment to lend. A review does not guarantee approval or change another lender’s decision.
24+YEARS OF PERSPECTIVE
Banking & mortgage lending
Banking & mortgage lending
EXPERIENCE INSIDE MAJOR BANKS
Chase · Bank of America · Citibank · Wells Fargo
POWERED BYloanDepot
THE EX BANKER’S PERSPECTIVE
I DON’T START
WITH THE LOAN.
I START WITH
THE SCENARIO.
The “Ex Banker” story is where my experience comes from. What matters to you is how I use it: asking better questions, explaining the trade-offs, and helping you make an informed next move.
Let’s start with your situationPut the options in perspective.
Look at which financing approaches may be worth exploring—and explain the requirements, limitations, and trade-offs.
Make the next step clearer.
Understand what to prepare, what needs a closer look, and whether a path makes sense for your goals. Honest guidance, even when the answer is “not yet.”
REAL LIFE ISN’T A CHECKBOX
Complicated doesn’t have to
mean unexplained.
Different income. Different goals. Different circumstances. These are situations I frequently evaluate—not promises of eligibility.
See the situations I frequently evaluate
- Self-employed & business ownersUnderstanding the business behind the income.
- 1099 incomeLooking at earnings beyond a traditional paycheck.
- Bank-statement qualificationEvaluating whether a different view of income is appropriate.
- RSUs, bonuses & commissionsMaking sense of complex compensation and its documentation.
- Physicians & eligible professionalsReviewing professional circumstances and program requirements.
- Investment-property financingUnderstanding the property, rental income, and your goals.
- Alternative documentationExploring documentation approaches where available and appropriate.
- First-time & repeat buyersPreparing for a first purchase—or a different next chapter.
- Previous financing didn’t work outUnderstanding what happened and what may be worth reviewing.
THE PRINCIPLE BEHIND EVERY CONVERSATION
Trust has to be worth
more than the transaction.
My job is to help you understand the decision—not push you toward one. That means clear explanations, realistic expectations, and being honest about what may or may not work for your situation.
Michael Ciglar / Ex Banker MikeGO DEEPER, WHEN YOU’RE READY
Good decisions start
with understanding.
Home financing education for California buyers and people navigating more complex mortgage scenarios.