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 and his assistant Shannon were the definition of professional. They were quick to respond if I had questions and always kept me informed of what was going on.
Reply from Michael Gayda - OVM Financial
April 14th, 2026 11:49 AM
Happy to see you get your beautiful new home, Marc!
Comminication was clear and steps were very organized. The team made the process easy!
Reply from Michael Gayda
April 14th, 2026 11:50 AM
Thank you for trusting us with your first home, Olivia! We hope you and your family enjoy it for many years.
Michael has proven over the years to be an excellent source for information guidance and expertise guiding home buyers through the mortgage process. We work many years together and he is a trusted source for continued excellence in his field!!...
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Reply from Michael Gayda - OVM Financial
April 1st, 2026 03:23 PM
Thank you, Mark! I appreciate the kind words and your continued support. You do an amazing job with your clients and are a true pro.
Great communication, timely action
Reply from Michael Gayda - OVM Financial
March 31st, 2026 01:44 PM
Always happy to be a resource to you and your clients Shaiffu! Thank you for trusting our team.
Michael, Shannon, and the entire team were absolutely phenomenal throughout the execution from application to closing! Professional conceriege service that allowed for a much smoother, seamless closing on our new home! Thank you all for your...
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Reply from Michael Gayda - OVM Financial
March 23rd, 2026 11:56 AM
Shelby, I truly appreciate your kind words about the service you received from me, Shannon, and the entire team. It's great to know that our professional approach helped make your closing experience smoother and more seamless. Thank you for...
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Michael was available whenever I had any questions and was always very helpful. He made the whole process go smoothly and a lot less stressful.
Reply from Michael Gayda - OVM Financial
March 17th, 2026 01:51 PM
Thank you for the feedback, Brian. We enjoyed working with you and hope your first home treats you well!
Michael and his team were always available for any questions and explained everything in detail.
Reply from Michael Gayda - OVM Financial
February 27th, 2026 06:02 PM
Thank you for trusting us to help you into your new home, Kathy!
Communication was clear through the entire process.
Reply from Michael Gayda - OVM Financial
January 20th, 2026 10:37 PM
I appreciate the feedback, Taran! We hope you enjoy your new home for many years and will stay in touch.
The communication was great. Very smooth transaction from start to finish. Closed on time
Reply from Michael Gayda - OVM Financial
January 20th, 2026 07:23 PM
Making the process smooth and closing on time are priorities we strive for, so I'm glad we could deliver. Thank you for your assistance and the feedback, Daniel!
Michael and his team, (Shannon) were very easy to work with . Clear and concise communication and professional at all times .
Reply from Michael Gayda - OVM Financial
January 20th, 2026 01:11 PM
Draper, I appreciate your feedback about working with me and my team. It's great to know that our communication and professionalism met your expectations. We hope you enjoy your new home!
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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.