California Mortgage Broker .:. FHA Guru
San Francisco Bay Area
- Current
-
- FHA Loan Specialist at Morgan Financial
- Associate Broker at Equitas Capital
- Loss Mitigation Consultant at Miguel Loss Mitigation (Self-employed)
- Past
-
- CEO at WIRE Financial
- Cash Management at Funky Tekno Tribe, Organic
- Education
-
- Santa Clara University
- Bellarmine College Preparatory
- Recommended
-
5 people have recommended Randy - Connections
-
108
connections
- Industry
- Real Estate
- Websites
Randy Miguel’s Summary
Randy grew up in the Bay Area and attended Bellarmine College Preparatory in San Jose. From there, he went on to Santa Clara University where he earned a Bachelor's Degree in Finance. In 2004, Mr. Miguel established RefiWise, Inc. which later became known as WIRE Financial, a full service mortgage firm located in Santana Row of San Jose. In 2007, he and his family relocated back to their home near Sacramento in El Dorado Hills, CA. Now as an active associate broker of Equitas Capital, he offers 12 years of banking and consultative loan experience to a diverse client portfolio, offering private "hard-money" financing to top tier A-paper loans. Additionally, Randy offers services in loss mitigation and direct lender negotiation in situations where refinancing is not an option. In such an uncertain economy, he commits to educating home buyers on the inherent risks of adjustable vs. fixed rates. Mr. Miguel prides himself in providing FULL DISCLOSURE and making sense of the fine print, so his clients can make the most informed decision about their home financing. If you'd like to have a discussion with Randy Miguel about purchasing or refinancing, or if you'd simply like to hear about his sense of the market, feel free to contact him directly @ 408.821.9505.
Randy Miguel’s Specialties:
Expert in FHA & No-Money-Down Purchases, Loan Assessment, Borrowing Strategy, and Loan Positioning for the lowest rates at the lowest cost to his clients. Highly experienced in collaboration with realtors and all parties to a real estate transaction. Randy is a specialist in situations involving financing on multiple properties for multiple property types, including investment, construction, and commercial-based lending.
Randy Miguel’s Experience
-
FHA Loan Specialist
Morgan Financial
(Privately Held; 11-50 employees; Real Estate industry)
March 2008 — Present (1 year 9 months)
Partner of Equitas Capital and direct lender of California FHA loans.
-
Associate Broker
Equitas Capital
(Privately Held; 51-200 employees; Real Estate industry)
November 2007 — Present (2 years 1 month)
Exceptional company with an exceptional team, where integrity is valued. Premier broker relationships with the nation's most reputable lenders.
-
Loss Mitigation Consultant
Miguel Loss Mitigation (Self-employed)
(Self-Employed; 1-10 employees; Real Estate industry)
September 2007 — Present (2 years 3 months)
Assisting homeowners in need of protecting their homes from foreclosure. Please do not hesitate to refer a neighbor in need. This includes direct lender negotiation for forbearance, loan modification, government grants, and short sales. http://miguelagency.almahelp.com/
-
CEO
WIRE Financial
(Privately Held; 11-50 employees; Real Estate industry)
December 2004 — December 2007 (3 years 1 month)
-
Cash Management
Funky Tekno Tribe, Organic
(Real Estate industry)
2000 — 2003 (3 years )
Randy Miguel’s Education
-
Santa Clara University
Finance , 1991 — 1995
-
Bellarmine College Preparatory
1987 — 1991
Additional Information
Randy Miguel’s Websites:
Randy Miguel’s Honors:
Licensed California Mortgage Broker
