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Purchase LoansRefinanceCash-Out RefinanceFHA LoansVA LoansFirst-Time Homebuyer LoansDSCR / Investor Loans
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Michael DuBois · Licensed Mortgage Broker

South Florida mortgage broker:
home mortgages, made simple.

As a South Florida mortgage broker licensed in 14 states, Michael DuBois offers straightforward advice and patient support for buying or refinancing—without the runaround.

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Clear answers first. No pressure to rush.

LICENSED MORTGAGE BROKERNMLS #898465
EXPERIENCE & ROOTS20 years in the industry 40+ years in South Florida
LICENSED IN 14 STATESAL AZ CA CO FL GA ID MO NC OR TN TX VA WA

The right starting point

Which path
fits you?

Buying and refinancing each come with different questions. Start with the one that matches the conversation you need to have now.

01

Buy a primary residence

Bring the payment, cash-to-close, and loan options into one clear conversation.

Explore purchase options
02

Buy an investment property

Look at financing for a property beyond your primary home with a practical point of view.

Explore investment options
03

Remove PMI through refinancing

See whether a refinance conversation could help you rethink private mortgage insurance.

Explore refinance options
04

Cash-out refinance

Consider how your home equity may fit into the next chapter—without being pushed into it.

Explore cash-out options

Or browse by loan program: PurchaseRefinanceCash-Out RefinanceFHAVAFirst-Time BuyerDSCR / Investor

Michael DuBois smiling in a navy blazer in an office setting
Michael DuBoisClear guidance. Human conversation.
South Florida
since day one

About Michael

Experience you can actually talk to.

For more than 20 years, Michael has helped buyers and homeowners make sense of important mortgage decisions. The approach is simple: listen first, explain the options clearly, and never make a big decision feel like a sales pitch.

After more than 40 years in South Florida, Michael understands the local rhythm—from first homes to refinances that make a household plan feel more manageable. You will get a direct conversation, not a call-center script.

Meet with Michael

Verified Google reviews

A little more confidence, before your questions.

Read recent Google feedback from clients who worked with Michael, then continue with any questions you want to bring to the conversation.

View the Google profile

Plain-English answers

Questions are part of the process.

Mortgage questions are rarely one-size-fits-all. These are a few useful places to start before a conversation.

Ask a question directly

A lender reviews documented income, employment, assets, debts, and credit history, along with the property and loan program. Michael's short quiz starts a conversation; it is not a credit application or approval. A lender must review your application and supporting documents before making a loan decision.

There is no single score that applies to every mortgage. Conventional and government-insured programs have different guidelines, and a lender considers your credit history alongside income, debts, assets, and the property. Ask which loan options your complete application may support.

Check your credit reports for errors and dispute inaccuracies, pay bills on time, and work on paying down revolving balances to 30% of your credit limit or lower when possible. Improvement takes time; no one can promise a particular score change or approval. "Rapid Rescore" software is available to analyze your credit, provide a step by step road map to increase your score, and then fast track the results. Michael can help you decide when to review loan options again.

Plan separately for your down payment, closing costs, moving expenses, and an emergency cushion. The amount required depends on the loan and property, and a larger down payment changes the cash you keep available. Compare the actual cash-to-close figures in written Loan Estimates rather than assuming one amount fits everyone.

There may be different conventional or government-insured loan options to discuss, but lower credit does not guarantee eligibility for any program. A lender will review the whole application, including debts, income, assets, and the property; compare mortgage-insurance and total costs as well as the initial cash needed.

PMI is private mortgage insurance on many conventional loans. Depending on your loan and payment history, you may be able to request cancellation through your current servicer or have it end automatically under applicable rules; refinancing is not always necessary. FHA and VA insurance rules differ, so ask your servicer before comparing refinance costs.

A next step, without the push

Let’s make the mortgage side
feel more manageable.

Book a Call