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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Our family has now completed two home loans with Michael Gayda and his team. We would only use The Gayda Team for our homebuying needs. The process was seamless. Michael knows what he is doing and what was best for our family.
Michael and his team were amazing in the purchase of our home. Throughout the process you’re never waiting on an answer. with weekly updates. You can shop for a fraction of a % rate lower or get a great lender!
We found Michael Gayda to provide an exceptional experience to make sure we got the rate, locked in and closed without any drama. We were very impressed with his personal commitment to being available 24/7 for any questions we had and help...
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Michael and Prime Lending were fantastic! They made what has historically been a very stressful time, a much more enjoyable process. Michael's contact and follow up during the process was awesome. I had several questions along the way, not...
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Michael and his team were on top of Everything!! They were in contact with us and left nothing to chance. We gave them a closing date and they met it!! I wish everything about our move went as smoothly!!!
Michael was one of the preferred lenders with our builder, however, I would have chosen him regardless. So glad he was recommended! From the moment we contacted him his communications were prompt and informative. Here are a few things I appreciated:...
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Michael was one of the preferred lenders with our builder, however, I would have chosen him regardless. So glad he was recommended! From the moment we contacted him his communications were prompt and informative. Here are a few things I appreciated:He...
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Went above and beyond to help us close quickly. Had a couple curve balls thrown at us and their team handled them with no problem. Highly recommend them, they stay true to their word.
Michael Gayda was a pleasure to work from start to finish on my loan process. His communication and follow up were top notch. Michael always made the process easy to understand, and clearly communicated my options every step of the way. I would...
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Mike Gayda and his team were beyond professional. They were efficient and extremely knowledgeable. They were available around the clock to close in 3 weeks!
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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.