Mike Fake

Mortgage Broker | NMLS #125241

5.0

(107)

Mortgage

Mortgage Loan Officer

Contact Info

(858) 472-2053

Encinitas, CA

https://www.themikefake.com/

Location & Business Hours

Business Hours

Tues

8 AM to 6 PM

Wed

8 AM to 6 PM

Thu

8 AM to 6 PM

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5.0

(107)

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Mike was great to work with. He was very professional and explained the entire process from start to finish. Mike was also available at all times when I had questions. Highly recommend working with Mike if you are going through the home buying...

Reply from Mike Fake

October 5th, 2026 04:23 PM

Thanks Jason! Congrats on your new home.

It was a pleasure working with MIke, he kept me informed and on task throughout the process. Good experience.

Mike and his team are exceptional! Kind people and answer all your questions. Mike is very knowledgeable and trustworthy. I wouldn't use anyone else for our real estate needs!

Mike is always a pleasure to work with. He finds the best rates, is helpful in helping understand a confusing process, and replies promptly to all my questions.

Reply from Mike Fake

April 22nd, 2026 11:43 PM

Thanks Sue! It is always great working with you as well.

great team very quick to respond to any questions we had

Mike made a very new and confusing experience for me understandable. And EXPEDITED the process without even asking. Thank you to Mike for staying on top of all the details.

Reply from Mike Fake

March 23rd, 2024 08:01 PM

I'm thrilled to hear that you found the mortgage process understandable and expedited. It's always my goal to make seemingly complex situations feel simple and efficient for my customers. I'm glad I could assist you in your purchase and thank...

Smooth process, helping me navigate and feel comfortable with the whole process. Lucky to have found them and can’t wait to work with them again in the future.

Really putting my mind at ease and answering all my questions, no matter how small. I appreciate all the work everyone did on my behalf.

Reply from Mike Fake

October 5th, 2026 05:54 PM

I'm thrilled to hear that you had a positive experience with us, Michael. It's always our goal is to make our clients feel at ease and informed throughout the entire process. Your questions, no matter how big or small, are important to us....

Mike Fake was a great partner through the process!

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About

I've been helping clients finance and purchase their homes for over two decades. We offer a comprehensive range of financial services to meet your diverse needs, from mortgage lending and retirement planning to vacation rental consulting, energy efficient consultations, and more. I am a father of 2 amazing kids and actively involved in my community. When not working you can find us surfing and hanging out at the beautiful beaches in Encinitas, camping all over San Diego or in the Mountains chasing fresh snow!

Products & Services

Mortgage Loan Officer

FHA Home Loan

VA Home Loan

Down Payment Assistance

Conventional Home Loan

Adjustable Rate Mortgages

Reverse Mortgage

DSCR Loans

Cash-Out Refinances

Adjustable-Rate 40-Year Mortgage (ARM)

Bank Statement Loans