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
We have worked with Mike for 2 homes. He and his team made both experiences very easy. Great communication every step of the way. Would highly recommend.
Reply from Owner
April 24th, 2017 12:00 AM
Thanks for letting us help again! Look forward to doing it for a third time in 12 years, or so! :)
Michael and his team were amazing every step of the way, even providing guidance FIVE WHOLE MONTHS before we even needed our new home mortgage. Process was easy and they always provided heaps of info and were quick to respond to any questions...
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Reply from Owner
April 24th, 2017 12:00 AM
We were so happy to be a part of helping your family into your new home, Jay! Thanks for your trust and kind words.
This was the first home I've ever purchased on my own. Recently divorced, with two children, Michael was hugely instrumental in getting the mortgage that was at the best rate.
Michael was wonderful to work with. I was not an easy loan and there were a few hiccups along the way, but he was very communicative and responsive. He kept me up to date on everything along the way. I would highly recommend anyone in the market...
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Very attentive throughout. Knowledgeable and very easy access. Michael's approach would easily accommodate both first and experienced clients. Highly recommend.
As a first time home buyer I had a lot of questions and was unsure about the entire process. Michael and his team helped me every step of the way. There were small fires here and there as with any loans that are obtained for large amounts but...
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Mike and his team made the process seamless. I was never left in the dark and every question I had was answered in a timely manner. I would defiantly recommend him and his team to anyone.
We had a phenomenal experience working with Michael Gayda and his team on our home loan. He ran numerous payment scenarios for us and always responded quickly to our questions. He is genuine, personable, professional and we felt that he had...
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Micheal put together multiple packages for us so we could make the best decision on how much to put down toward the house or toward the interest rate. The way cost sheet was broken down was very helpful.
Michael Gayda has explained the process to me and my wife with the upmost and honest professionalism. I will recommend him to every person I know who is in need of financing. Thank you so very much for all of your help in securing our loan...
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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.