Michael Gayda - OVM Financial
Sales Manager | NMLS# 177621
Michael Gayda is a mortgage professional with more than 23 years of experience helping homebuyers, homeowners, and real estate partners make informed financing decisions.
Based in Jacksonville, Florida, he serves clients throughout Florida... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM(Open now)
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Great experience. Appreciated.
Reply from Michael Gayda - OVM Financial
September 5th, 2026 11:58 AM
We are so happy to have helped you with your new home. Please stay in touch if there's anything you need!
We had an absolutely wonderful experience working with Michael and Shannon during the closing on our new home! They were both incredibly professional, knowledgeable, responsive, and helpful throughout the entire process. They made what can...
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Reply from Michael Gayda - OVM Financial
September 1st, 2026 12:12 PM
Kristy, thank you so much for the incredibly kind words. Shannon and I truly appreciate it. Our goal is always to make the process feel as smooth and manageable as possible, even when there are a lot of moving parts behind the scenes. We’re...
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Communication was very good.
Reply from Michael Gayda - OVM Financial
September 1st, 2026 12:11 PM
Thank you, James! We really appreciate the review. Keeping everyone informed throughout the process is incredibly important to us, and we’re glad you had a great experience. Congratulations on the new home!
You guys tried and make it happened
Reply from Michael Gayda - OVM Financial
September 1st, 2026 12:11 PM
Thank you, Yarines! This one definitely gave us a few challenges along the way, but we were determined to keep working through them and find a path to the finish line. We’re so happy we were able to get it done for you. Congratulations on your...
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Michael and his team are always communicative and responsive. I really appreciate the weekly updates, and the level of customer service you receive when working with them is truly rare these days. They consistently go above and beyond to keep...
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Reply from Michael Gayda - OVM Financial
August 31st, 2026 06:32 PM
Yamile, thank you so much. I truly appreciate the kind words, but even more than that, I appreciate the trust you’ve placed in me and my team over the years. It means a lot every time you introduce us to one of your clients, and we never take...
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Smooth process
Reply from Michael Gayda - OVM Financial
August 31st, 2026 06:33 PM
Thank you, Amber! I’m so glad we were able to help make everything come together for you. It was a pleasure working with you, and I hope you enjoy your new home!
Michael and his team were amazing - again! This is our second time working w/ Michael and Shannon and they were both wonderful to work w/ and just as impressive in handling our home buy.
Reply from Michael Gayda - OVM Financial
August 25th, 2026 11:01 AM
Thank you for the review, Jim! Loved working with you again and appreciate your continued trust. Enjoy your new home!
Michael was knowledgeable and kept us all updated throughout the process.
Reply from Michael Gayda
August 25th, 2026 11:02 AM
We enjoyed working with you, Ken. Stay in touch!
Michael's communication was great and kept us informed throughout the process.
Reply from Michael Gayda - OVM Financial
August 11th, 2026 09:53 PM
Melissa, I appreciate your kind words about my communication. Keeping you informed every step of the way is important to me. Thank you for trusting me with your mortgage process. Enjoy your new home!
Michael was very reapinsive and helpful and went out od his way to make sure it all went well when there hiccups he atood up fixed them and showed hia commintment to making sure we were hapoy ans delivering the product he promised!
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Reply from Michael Gayda - OVM Financial
August 11th, 2026 09:55 PM
Richard, Thank you for taking the time to leave a review. I appreciate your flexibility and adjusting to the hiccups. I also appreciate your trust that I would do what I said we would do and make sure things got done. Enjoy your new home and...
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About
Michael Gayda is a mortgage professional with more than 23 years of experience helping homebuyers, homeowners, and real estate partners make informed financing decisions.
Based in Jacksonville, Florida, he serves clients throughout Florida, Georgia, and Illinois. His experience includes Conventional, FHA, VA, USDA, Jumbo, Construction to Permanent, Renovation, Home Equity, self employed, bank statement, and investor financing.
Michael also has extensive experience with new construction, complex income scenarios, move up buyers, builders, and Realtors. He has been recognized as a STRATMOR National Top 25 Loan Officer and a 14 time Five Star Mortgage Professional.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Construction Loan
DSCR Loans
Self-Employed Mortgages
Bank Statement Loans
Specialities
Purchase Mortgages
Home Refinance
HELOC
Home Equity Loans
Renovation Loans
Non-QM Loans
Construction Loans
DSCR Loans
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Addresses and Serving Areas
Primary Serving Area
Year Started
2003
Time Zone
Pacific Standard Time (PST)
Licenses
- 177621
Disclaimer
©2026 American Neighborhood Mortgage Acceptance Company LLC (dba OVM with AnnieMac Home Mortgage). Corporate NMLS# 338923 (http://www.nmlsconsumeraccess.org/). OVM with AnnieMac Home Mortgage is an Equal Housing Opportunity. For a complete list of our licensed states visit: https://ovmfinancial.com/licensing American Neighborhood Mortgage Acceptance Company LLC (dba OVM with AnnieMac Home Mortgage) is not affiliated with the U.S. Department of Veteran’s Affairs, the U.S. Department of Housing and Urban Development, the U.S. Department of Agriculture, or any other Federal Government Agency.