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
Clear communication throughout the process. Great team to work with.
Reply from Michael Gayda - OVM Financial
January 19th, 2026 01:07 PM
Thank you for your feedback, Chris! We love working with you - congrats on your new home!
So easy to communicate with, prompt & on time. Love the weekly updates.
Reply from Michael Gayda - OVM Financial
January 16th, 2026 03:03 PM
Thank you, Crystal! Always a pleasure to work with you and your clients.
Michael and his assistant Shannon were absolutely amazing to work with. My fiancé and I are first-time homebuyers and went into the process knowing very little about how buying a home works. From start to finish, Michael communicated clearly...
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Reply from Michael Gayda - OVM Financial
January 12th, 2026 12:40 PM
Thank you for taking the time to leave your review, Skyler. It was our pleasure to help you with your first home! We hope you and your family enjoy it for many years - please stay in touch!
Frequent updates, easy to reach and clear communication
Reply from Michael Gayda - OVM Financial
December 19th, 2025 02:33 PM
Congrats on your new home, John! Happy we were able to step in when the other Lender said "no". We hope you enjoy your home for many years!
Very easy to communicate with and very positive
Reply from Michael Gayda - OVM Financial
December 16th, 2025 04:07 PM
Thank you, Craig! We are happy to see everything come together and hope you enjoy your new home.
Michael and Shannon made this a great, stress- free experience.
Reply from Michael Gayda - OVM Financial
November 4th, 2025 01:11 PM
Congrats on your new home, Vickie! Thank you for letting us help!
Overall, we appreciated the team’s help in closing on our home. However, we felt that the process followed a somewhat cookie-cutter approach, even though we were borrowing only 32% of the purchase price. A more tailored approach to our financing...
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Reply from Michael Gayda - OVM Financial
October 28th, 2025 02:49 PM
Thank you for your feedback, Jasmina! I can appreciate your perspective and agree that a simpler approach makes sense for someone with a loan structure like yours. Unfortunately, Fannie Mae & Freddie Mac have specific criteria regarding certain...
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Michael's knowledge and expenrience are key in helping customers with making sound decision on financing needs. We received updates quickly on important milestone, as well as a consistent weekly updates at end of the week from his team. Very...
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Reply from Michael Gayda - OVM Financial
October 28th, 2025 01:43 PM
Thank you for the feedback, Minh! You always take great care of your clients and we look forward to working together again soon.
Michael did a stellar job, and I am delighted to give him my highest recommendation!
Reply from Michael Gayda - OVM Financial
September 23rd, 2025 08:02 PM
Thank you, Dennis! We really enjoyed working with you and Susan.
Anyone i call picks up the phone . Simple really, but few do it. This is what Mike and his team do.
Reply from Michael Gayda - OVM Financial
September 5th, 2025 12:00 PM
We do our best to do the big and little things that make a difference, Bobby. Thank you for trusting us a s a resource to your clients!
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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.