I’m Michael Garcia, better known as Mortgage Mike FL. I’m a local loan officer here in Central Florida, helping families make sense of the mortgage process without all the jargon and stress.

Buying a home should feel exciting, not overwhelming. That’s why I focus on keeping things simple and clear, whether you’re a first-time buyer, relocating, or trying to figure out what you can really afford. My goal is to give you honest answers, practical options, and a game plan that works for your family.

I grew up in this area, went to UCF, and now I’m raising my own kids here. Between soccer practice, drone flying, and pool days with my family, I get why owning a home in Florida matters. It’s about creating a life and roots in the community.

If you’re ready to explore what’s possible, I’d love to help you take the next step toward homeownership.