

Michael Guthneck
Branch Manager

With over 20 years of lending experience, I’m committed to providing premier customer service, mortgage expertise, and competitive interest rates tailored to your unique financial goals. While many lenders can offer a loan, I take the time ... Show More
Location & Business Hours
Business Hours
Fri
24 hours
Sat
24 hours
Sun
24 hours
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Reviews from Web
Nicole Leveris is amazing! She is personable and extremely helpful. My husband and I are first time homebuyers who know very little about the process. Nicole has answered all of our questions and made herself available to us both day and night....
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My husband and I are first time homebuyers and we are very happy with choosing to work with Michael and Nicole. They have been super helpful and responsive getting through the pre-approval process. We are looking forward to using them for the...
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My experience with vanguard was great from the beginning! Great team and positive company to work with! They made our first time homeowner purchase as smooth as possible! Thankful that I chose them!
We applied for a loan and the process went very smooth. The service was fast and professional from Mike and his team. Maria DeTomasis was especially helpful with her quick responsiveness. This was one of the smoothest mortgage processes that...
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After a long 7 months with a different lender with no end in sight I decided to go with Michael and his team on our 203K HUD loan to add an addition to our home. Michael, his wife Nicole, and other Team member Nicole Leveris made my experience...
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After being approved by another broker, wasting weeks of our time, getting nowhere & almost loosing the house we wanted to buy, we reached out to Nichole Guthneck. Nichole & her team went above and beyond to get our loan closed. Maria, our...
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My husband and I worked with Michael and the team, and we had a fantastic experience. Everyone was super accessible and stayed on top of our file from start to finish. We had very tight deadlines and super complex issues to deal with, but the...
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Mike and his team were very helpful in both completing our pre approval and closing the loan our home.They helped make a tedious process a little better.
Michael & his team are the best. They made my family's wish a reality. It was a pleasure to work with such a professional team. I will definitely recommend Michael & his team to anyone I know who is looking for a mortgage.
An overall excellent experience! Any questions or concerns were answered immediately. They made the entire process painless.. by utilizing e-signing. The closing was also conducted at my kitchen table. I never left my home once through the...
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About
With over 20 years of lending experience, I’m committed to providing premier customer service, mortgage expertise, and competitive interest rates tailored to your unique financial goals. While many lenders can offer a loan, I take the time to match you with the right mortgage solution for your situation. I guide clients through every step of the process—from application to closing—with timely communication and personalized support. I specialize in VA, FHA, Conventional, Jumbo, NON-QM, and FHA 203-K Rehab loans for first homes, second homes, investment properties, and refinances. As a United States Marine Corps Veteran, I proudly serve fellow veterans and active-duty military members with care and understanding.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
USDA Loans
Non-QM
DSCR Loans
Cash-Out Refinances
Bank Statement Loans
1099 Income Loans
Specialities
Purchase & Refinance
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Memberships
- National Association of Realtors
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2005
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS #180867
- FL - LO33647
- GA - 71815
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Awards
Soctsman Guide Top...
Achievements
- Scotsman Guide Top Originator
Hobbies
- Fishing
- Travel
- Family Time
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Disclaimer
NQM Funding, LLC (NMLS # 75597) dba - Premier Mortgage Associates; Villa Home Loans; Texas: Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov - nmlsconsumeraccess.org