Who this may help
These pages are educational and designed to help you understand potential paths before scheduling a personalized review.
Who this is for
- Realtors with self-employed or investor clients
- Builders and renovation professionals
- CPAs and financial advisors whose clients need financing guidance
- Attorneys and referral partners with complex client scenarios
Common options
- Purchase pre-review
- Self-employed clients
- Investor clients
- HELOC and equity needs
- Commercial scenarios
- Co-branded education
- Referral partner support
Next step
Gather income, property, credit, and objective details. Then request a scenario review so Michael can help identify which available path may fit.
Review My ScenarioBenefits of a second look
Scenario review before clients write offers
A practical review focused on your objective and documentation.
Clear communication throughout the process
A practical review focused on your objective and documentation.
Experience with borrowers banks may decline or delay
A practical review focused on your objective and documentation.
Educational resources for clients and referral partners
A practical review focused on your objective and documentation.
Common questions
Can I send a scenario before my client applies?
Yes. You can submit general scenario details so the client can understand what may be worth reviewing.
Do you work with complex clients?
Yes. The Ex Banker Mike brand is designed around complex income, bank-declined, investor, commercial, and non-traditional scenarios.
Can we create educational content together?
Yes. The platform can support co-branded education, webinars, and referral partner resources where allowed.
Related loan programs
Request a scenario review.
Share a few details and request a call. Do not include sensitive personal information beyond what is requested.
Michael Ciglar
NMLS #240274
925-998-5478
MCiglar@loandepot.com