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Your loan officer · NMLS #1888071

Hi, I'm Michael. Let's find what you actually qualify for.

One licensed officer who knows your situation from the first question to the closing table — whether you're buying, refinancing, or planning your next move.

  • MI
  • Licensed MI
  • Sr. Loan Officer

Call or text Michael directly: (586) 925-3968

Michael Terenzi Jr.

Michael Terenzi Jr.

Sr. Loan Officer

Intra-Mortgage · 5.0 on Google
NMLS #1888071
No credit pull to start
A team behind you, one officer to call
A parent and child at home together
MILicensed

About Michael

Clear guidance for your next move

Mike brings a client-first mindset to every transaction, backed by a strong background in sales and account management. Known for his attention to detail and clear communication, he ensures each step of the loan process is efficient and personalized.

Proudly serving Michigan clients, Mike is committed to building lasting relationships and guiding borrowers with care from application to closing.

Clarity from first call to closing

Know your buying power

See what you may qualify for before you shop — soft start, no hard pull.

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Loans for your life and budget

Compare conventional, FHA, VA, USDA, and refinance in plain language.

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Close on a home you can afford

Michael stays with your file from documents to closing.

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A clear path. No surprises.

  1. Connect with Michael

    Share your goal and timing — buy, refinance, or equity.

  2. Review your options

    Compare paths, payments, and cash needed clearly.

  3. Get pre-approved

    Know what you may qualify for before you offer.

  4. Browse with confidence

    Shop with numbers, next steps, and a direct line.

What Michigan buyers should know

Communication

Detail-focused, clear communication

Mike brings an account-management background to keeping each step precise and personalized.

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Relationships

Built on lasting relationships

Mike focuses on Michigan clients and guiding them with care from application to closing.

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Process

Efficient, personalized, informed

Mike keeps the loan process efficient so you always know where things stand.

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Programs

Loan options Michael can help you compare

Availability varies by state, property, and profile. Michael helps you compare options clearly.

Markets Michael helps with

  • Michigan
  • ConventionalFlexible credit and down-payment paths.
  • FHALower down payment, flexible guidelines.
  • VAZero-down options for eligible buyers.
  • USDALittle or no down payment in eligible areas.
  • RefinanceLower payment or access equity.
  • First-time buyerPrograms, cash to close, and next steps.

Want a starting number?

See how to build a budget

Common questions

Ready to talk through your next move?

Buying, refinancing, or just getting oriented — Michael can walk you through what may fit.

Prefer to talk first? Call (586) 925-3968 · Text Michael · Email us

5.0 on Google
Intra-Mortgage borrower reviews
Equal Housing Lender
Committed to fair lending practices
Clear follow-up
Help when you're ready for the next step
Transparent process
Know what to expect at each step