Ex Banker Mike homepage with loan solutions Mortgage Tools Schedule a Call Mortgage Tools Scenario Review See Loan Options
TRUST & AUTHORITY

Why clients choose Ex Banker Mike.

After 24 years inside major banks, Michael helps clients understand financing paths that may fit their specific situation through loanDepot.

🏦24 Years of Mortgage ExperienceFormer major bank mortgage advisor.
🏛Former Major BanksChase • Bank of America • Citibank • Wells Fargo.
📍NMLS #240274Michael Ciglar, powered by loanDepot.
🌎Nationwide Referral NetworkCalifornia focused with referral options where available.
⭐Specialized ScenariosSelf-employed, investors, jumbo, bank statement, DSCR, renovation and construction.
⚡Same-Day Scenario ReviewsEducational guidance without generic rate quotes or approval promises.
WHY WORK WITH AN EX BANKER?

Experience inside the institutions. Guidance focused on your scenario.

After spending 24 years inside some of America’s largest banks, I understand how mortgage files are reviewed, where loans commonly run into problems, and which financing paths may be worth exploring when traditional solutions do not fit. My goal is to help you understand your options so you can make an informed decision based on your unique situation.

24+Years Experience
4Major Banks
ThousandsMortgage Scenarios Reviewed
NMLS #240274Licensed Mortgage Professional
MY COMMITMENT

Clear answers before you make a mortgage decision.

  • Same-day scenario review
  • Honest educational guidance
  • No high-pressure pitch
  • Personalized loan paths
  • Every scenario reviewed individually
Schedule a Call Get Same-Day Scenario Review Mortgage Tools
HOW I HELP

Find the path that fits your scenario.

Choose the situation closest to yours. Each path leads to a same-day scenario review so Michael can understand your goals before you speak.

◌Self-EmployedBank statements, 1099, W2, P&L and non-traditional income documentation.Review my scenario → ▤Bank Statement LoansFor business owners whose tax returns may not show the full picture.Review my scenario → $HELOC / Home EquityExplore equity access for renovations, debt consolidation, reserves or major expenses.Review my scenario → ▥DSCR & InvestorsRental property, cash-flow driven and portfolio financing conversations.Review my scenario → ⚒Renovation & ConstructionNew builds, renovation financing, construction and fix-and-flip scenarios.Review my scenario → ⌂First-Time BuyersDown payment, assistance programs, FHA, VA, USDA and conventional options.Review my scenario → ×Bank Said No?Denied, delayed, or told your file is too complicated? Start with a review.Review my scenario → ♙Realtors & PartnersHelp clients find financing paths and keep difficult transactions moving.Partner with Michael →
NOT SURE WHICH FITS?

Start with a Same-Day Scenario Review.

No generic rate quote. No approval promise. Just a better first conversation based on your real situation.

Review My Scenario
REAL SCENARIOS. EDUCATIONAL STORIES.

Success stories clients can recognize themselves in.

These examples are designed to highlight common mortgage situations without promising approvals, rates, or outcomes. Every borrower and property is different.

🏦Denied by a Bank

A borrower was told their file did not fit a traditional bank box. A scenario review helped identify other financing paths worth discussing.

Review a similar scenario →
◌Self-Employed Income

Tax returns did not tell the full income story. Alternative documentation may be worth reviewing for some business owners.

Review self-employed options →
$Home Equity Goal

A homeowner wanted to understand equity access without relying on a generic online rate quote. A personalized review made the conversation clearer.

Review home equity options →
⌂First-Time Buyer

A buyer thought 20% down was required. A review helped them understand which purchase paths may be available.

Review purchase options →
AFTER CLOSING

Have a client success story?

Send your client a simple link after their experience is complete so they can share what happened in their own words.

Open Success Story Form exbankermike.com/success-story
MORTGAGE MYTH BUSTERS

Common assumptions that deserve a second look.

MYTHYou always need 20% down.

Some programs may allow lower down payments depending on eligibility, property type, occupancy, credit, income, and guidelines.

MYTHSelf-employed borrowers cannot qualify.

Some clients may have options using tax returns, 1099 income, P&L documentation, or bank statements.

MYTHA bank denial means you are out of options.

Sometimes the issue is program fit, documentation, timing, overlays, or how income was calculated.

MYTHOnline rates tell the full story.

Rate and cost depend on the complete scenario. A personalized review is usually more useful than a generic number.

Call
PRIMARY • PURCHASE • REFINANCE • HELOC • SELF-EMPLOYED • COMMERCIAL • INVESTORS

When the Bank Says No... Ask the Ex Banker.

I’m Michael Ciglar — Ex Banker Mike. After 24 years inside Chase, Bank of America, Citibank, and Wells Fargo, I now help clients explore financing solutions through loanDepot.

Michael Ciglar, Ex Banker Mike
Schedule a Call Same-Day Review Mortgage Tools See Loan Options
24 YearsExperience
Major BanksChase · BofA · Citi · Wells
NationwideReferral Network
NMLS #240274Michael Ciglar
TRUST & AUTHORITY

Why clients choose Ex Banker Mike.

24 years inside major banks. Educational guidance focused on your specific scenario.

24+ YearsMortgage experience
Former Major BanksChase • BofA • Citi • Wells Fargo
NMLS #240274Michael Ciglar • loanDepot
Specialized ScenariosSelf-employed, investors, HELOC, jumbo and more
My Commitment Same-day scenario review • honest educational guidance • personalized loan paths • no generic rate quotes.
Schedule a Call Scenario Review Mortgage Tools
HOW I HELP

Pick the scenario closest to yours.

Each option starts a same-day scenario review so Michael can better understand your goals.

Self-EmployedBank statements, 1099, W2, P&L and more. HELOC / Home EquityExplore access to equity for major goals. DSCR & InvestorsRental and investment property scenarios. Renovation & ConstructionRenovations, new builds and fix-and-flip projects. First-Time BuyersDown payment, assistance and purchase options. Bank Said No?Denied or delayed? Start with a review.
Start Same-Day Scenario Review
SUCCESS STORIES

Real scenarios. Clearer conversations.

Educational examples only. No approval, rate, or outcome is promised.

Denied by a BankA second look may identify a different path. Self-EmployedAlternative documentation may be worth reviewing. Home EquityExplore equity options based on your full scenario. First-Time BuyerYou may have more purchase paths than you think.
After closing? Clients can share their experience here. Open Success Story Form
Mortgage Myth Busters

20% down is not always required. A bank decline is not always the end. Generic online rates do not tell the full story.

Get Same-Day Scenario Review
WHO I HELP

Solutions for real people with real financial goals.

⌂Home PurchaseFind the right loan to buy your dream home. ▣Home RefinanceLower your rate or tap into equity. $Home EquityHELOCs, cash-out and more options. ◌Self-EmployedBank statements, 1099, W2, and more. ▥Investors & CommercialDSCR loans and commercial solutions. ⚒Renovation & ConstructionRenovations, new builds, and fix-and-flip projects. ☆Specialty ProgramsDoctor loans, reverse, jumbo and more. ✓Government LoansFHA, VA, USDA loan programs. ×Bank Said No?You may have more options than you think. ♙Realtors & PartnersLet’s build success together.
FREE TOOLS

Mortgage Tools & Calculators

Estimate payments, affordability, HELOC options, refinance savings, DTI and DSCR before scheduling a call.

⌂Payment CalculatorEstimate principal, interest, taxes and insurance. $AffordabilityReview a comfortable purchase range. ↻Refinance SavingsCompare current and new payment scenarios. ▣HELOC CalculatorExplore potential home equity access. %DTI CalculatorEstimate your debt-to-income ratio. ▥DSCR InvestmentEstimate rental property coverage.
FREE MORTGAGE TOOLS

Calculators that keep visitors engaged.

Professional tools to estimate payments, affordability, HELOC options, refinance savings, DTI and DSCR before scheduling a strategy call.

View All Mortgage Tools →
Payment CalculatorEstimate monthly payment AffordabilityEstimate purchase range Refinance SavingsCompare scenarios HELOC CalculatorExplore equity options DTI CalculatorEstimate debt ratio DSCR InvestmentRental coverage ratio

Ex Banker Mike — Michael Ciglar, NMLS #240274

After 24 years inside Chase, Bank of America, Citibank, and Wells Fargo, Michael Ciglar helps clients explore financing solutions through loanDepot.

Loan Options

Explore home purchase, home refinance, home equity, HELOC, self-employed, bank statement, 1099, W2, bonus, RSU, investors, commercial, renovation, construction, specialty, government, FHA, VA, USDA, DSCR, jumbo, non-QM, non-conforming, reverse mortgage, doctor loans, and bank-declined scenarios.