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 experience with Michael Gayda and The Gayda Team at PrimeLending was absolutely amazing! We started out just talking to Michael in early 2022 to ask all of the normal questions about purchasing a home in Florida. Since we lived in Texas...
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Reply from Owner
December 14th, 2022 12:00 AM
Thank you for the kind words, Valerie! It was a pleasure to be a resource to you and to get to know you guys during the process. I am very excited how it all came together and hope you enjoy your new home!
Made the process so easy and fast, In no time we closed on the house i will definitely recommend Michael and i will be working with him again very soon.
The whole process was very smooth, from start to finish! Michael and his team were with us every step of the way. They answered every question we had had and their online form processing and signing was great!
Reply from Michael Gayda - NMLS# 177621
July 22nd, 2022 11:41 AM
Thank you for the review, Jason! Enjoy your new home!
Since day one Michael was ahead of any other loan officer that I reached out, I was impressed with the communication, transparency and speed . With a new construction taking almost 11 months things can happen, Michael and his team were amazing...
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I highly recommend Michael and his team. I worked with Michael on a property purchase in 2015 and am currently working with him again on a property refinance in 2021. There's never a question about where we are in the process, what we're waiting...
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Michael went above and beyond with the most challenging refinance I have ever done. He explored every avenue possible to successfully convert a very short term hard money loan into a 30 year fixed mortgage under a very short deadline. He provides...
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Michael always remainder connected and on top of thing s, from the onset communicated diligently and kept contacting me throughout the initial steps explaining how prime lending works , discussing locking rates and the process . This actually...
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Michael Gayda was very personable and simplified the process for me as a first time home buyer. He put my concerns at ease and was very responsive. I would definitely recommend him to anyone needing a home loan.
I've worked with Michael and his team twice now first purchasing my first home but now years later refinancing it as well and both have gone perfectly! Not only Michael but everyone in his staff are very professional and easy to work with and...
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Michael and his team made our last home buying experience the best we’ve ever had. Everything went very well and was actually finished ahead of schedule and I where we could close earlier than expected!
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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.