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
Michael Gayda provided great service throughout my home buying process and was instrumental in keeping my closing on track. We used him for our loan on new construction and he kept us informed through our whole 6 month process. I would recommend...
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Reply from Owner
September 3rd, 2015 12:00 AM
Thanks for the kind words, Wade! We enjoyed working with you and were happy to help!
I've worked with several brokers across three states for multiple real estate purchases, and Michael was by far the most helpful and responsive of all of them. We will definitely use him again if/when we purchase another property.
He emulated quick responsiveness and professionalism during the whole process. There were a few bumps in the road during the processing phase, but he worked directly with the underwriters to get exceptions and expedite the loan approval in...
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Michael and his team were extremely helpful from the first moment we contacted them about a mortgage. Having only lived in the USA for a couple of years, Michael used his expert knowledge to guide us through the process. Any questions we had...
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His response regarding the loan is instant. He is very good in communication. He is very friendly. The process was very easy because of his knowledge.
Michael was very nice to work with. Kept us informed throughout entire process. Was attentive and answered every question we had quickly. Would definitely use him again.
Reply from Owner
June 25th, 2015 12:00 AM
Thank you, Rob! You and Fran were great to work with, as well!
Michael was great to work with. He contacted us quickly and worked hard at getting us a loan at a great rate. He was always responsive with any concerns and questions my wife and I had, about the loan and even the area we moved to. Michael...
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Mike is fantastic, highly recommended. Super easy to work with and incredible service by him and his company. His company got us a great rate, worked with us to lock in in a time frame that gave us room for any closing date issues. His entire...
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Michael Gayda was wonderful to work with. He always responded to our questions very quickly and accurately. He communicated very well and always kept us "in the loop" throughout the whole lending process. We would definitely recommend his services...
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Our real estate transaction was complicated by a title issue and a non-responsive seller's agent. Michael was the go to guy for all parties and I can't imagine what the transaction would have been like without him. His attention to detail was...
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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.