What Our Customers Say About Us

We had the opportunity to work with Michael on a very complex jumbo VA construction loan, and we truly cannot say enough great things about him. From start to finish, Michael was incredibly responsive and proactive. He provided frequent updates, made sure we always knew exactly where we stood in the process, and explained the unique features and nuances of the loan product in a way that was clear and easy to understand. With a loan this complicated, that level of communication and clarity made all the difference. Most importantly, Michael became someone we genuinely trusted and relied on. He brought calm, confidence, and expertise to every step of the process. If you’re looking for someone knowledgeable, responsive, and trustworthy Michael is your person. We would highly recommend him.

Michael is so awesome! He really cares about his clients, understanding what they need in a home mortgage and has so much experience. He also has a lot of patience and compassion for the questions. Highly recommend him!

If you ever need a lender to help you buy a home or to just refinance i highly recommend Michael Mulkey. I just purchased my first home with the help of Michael and Maks they truly work with me and was patient with me and explained everything to me step by step. It took me three years to purchase my home but I made it and I listen to everything he told me to do and told me just be patient you’ll get a house and PRAISED the Lord we were blessed to purchase our first home.

Made the hole process was easy as could be, was very good at communicating the things he needed to get done! 5 out 5 stars would recommend.

We would highly recommend Michael for your mortgage needs. His calm presence and respectful manner made the process very easy and stress free. I would gladly do business with Michael any time. He was awesome!

I had a great experience working with Michael, Mary, and the entire team at NEXA Mortgage. My situation was far from simple, but they handled everything with professionalism and made the entire process feel smooth and easy.

Despite the added complexity involving solar panels, they managed to close the deal right on time — something I truly appreciate.

Michael is excellent at explaining every step in a clear and understandable way, which made me feel confident and informed throughout the process. I highly recommend Michael and his team to anyone looking for dedicated and reliable mortgage professionals!

I had a great experience working with Michael, Mary, and the entire team at NEXA Mortgage. My situation was far from simple, but they handled everything with professionalism and made the entire process feel smooth and easy. Despite the added complexity involving solar panels, they managed to close the deal right on time — something I truly appreciate. Michael is excellent at explaining every step in a clear and understandable way, which made me feel confident and informed throughout the process. I highly recommend Michael and his team to anyone looking for dedicated and reliable mortgage professionals!

Michael with NEXA Mortgage was amazing. He found us the right mortgage to fit our needs. Throughout the entire process, from pre-qualifying to the closing on our home, Michael was available to answer all our questions. We got great service and guidance, it was a pleasure to have worked with Michael at NEXA. Thank you.

His professionalism, attention to detail, and prompt communication made the entire process smooth. He took the the time to understand my needs and offered personalized solutions that really worked for me. I truly appreciate the expertise and dedication to helping me secure the best possible terms. I’m looking forward to continuing our partnership and would appreciate on updates for competitive rates in the future. Thank you Michael.

His professionalism, attention to detail, and prompt communication made the entire process smooth. He took the the time to understand my needs and offered personalized solutions that really worked for me. I truly appreciate the expertise and dedication to helping me secure the best possible terms. I’m looking forward to continuing our partnership and would appreciate on updates for competitive rates in the future. Thank you Michael.

I worked with Michael for a couple of years while I was working on purchasing a home. He was extremely thorough and knowledgeable throughout the entire process and even was able to think outside the box when it came to making the loan work. He exceeded my expectations the entire time I worked with him and appreciate all his hard work.

Micheal was great throughout the entire process. He always made sure to explain each step of the home buying process. He was very responsive to phone calls, texts and emails. He would take the time to answer every question. Would highly recommend Michael.

Michael was a pleasure to work with. He helped us obtain a mortgage in a time-sensitive and complex situation. He came through for us, and his efforts were definitely appreciated. He is thorough, thoughtful and a true professional. We would be happy to recommend him!

From the first time we talked to Michael, he put us at ease. He talked to us on the level and helped us understand the financial elements of home buying. We bought in a crazy market and Michael was there every step of the way to encourage us and help get offers in quickly. We found our home and that wouldn't have been possible without Michael. We are forever grateful!

Michael is the best there is! He is very professional, courteous, friendly, knowledgeable, and efficient. He is there every step of the way. He was quick to answer any questions that I had. He was able to get me a lower rate for my mortgage. If you need the best, Michael truly is the one. Thank you, Michael for everything.

It was an absolute pleasure working with Micheal . We had talked to multiple lenders but immediately after our 1st conversation with Michael we know he was the one. He was thorough in all aspects of the process and was extremely patient in answering all our questions. Thanks to his efforts the entire process was a breeze for us. Highly recommend him!

Michael and his team were great to work with throughout the entire process. He was referred by our realtor and it was clear why; they worked very well together and there was never a moment of uncertainty. We were provided a checklist of items/tasks from our realtor that came from Michael and making it a breeze when documents needed to be gathered. Michael kept us updated with tasks and broke down the loan process ensuring we were confident with what was happening before moving on to the next steps. He was available via text, email and phone whenever we had a question. He also went the extra mile to connect with the selling agent and owner at the property to put in a good word for us. Having gone through the home buying process for the first time we researched and researched and learned about all the things to avoid… but it’s stressful. Michael helped alleviate that stress when it came to the loan. If you’re considering purchasing a home, there’s no hesitation to give Michael a call.

Working with Michael was awesome throughout every phase of the home buying process. We were first time home buyers and working with him was exactly what we needed, he was professional, immediately responsive, and took the time to explain everything in as much detail as we needed to make the right choices when it came to options on our financing. He went above and beyond for us and I would recommend him to anyone in the future.

Michael was unbelievably helpful in my first home buying experience! I had tried to work with other companies prior to Michael, but his communication and hard work was far superior to everyone I had tried to work with! He closed extremely fast and updated me every step of the way. 5/5 would recommend contacting him if you are looking to purchase a home!

Working with Michael was a great experience! He guided us through the mortgage process to buy our first house and answered all our questions along the way.

Working with Michael was an absolute pleasure. He made a very complicated process seem extremely simple. He helped me and my family every step of the way and went above and beyond to help keep the process moving in the right direction. I couldn’t have asked for a more amazing person to work with. Thank you Michael!

Working with Michael has been such a positive experience while refinancing our home. During the entire process, I started feeling as if I was working with family. He responds to text messages immediately and will call or have you call him if/when necessary. His knowledge is also exceptional and he is very forthright when it comes to figures and cost. Michael supported us and understood our needs from start to finish. I even contacted him during a Saturday while signing documents with the notary for clarification and as always, he called back with the answer. When the refinance was done, which might I add, was within 20 days, I felt like I made a new trustworthy friend. I will look forward to working with Michael in the future and HIGHLY recommend him to anyone looking for any home financial needs.

Michael was an absolute pro to work with. I love that he was so detail oriented and followed through on every promise he made! He was very transparent on all details of the loan process and was able to close the loan very quickly. I highly recommend him.