Michael Wolff, Mortgage Broker, NMLS #239403

Hi, I’m Michael Wolff — mortgage broker, Apex NC, 20+ years originating purchase loans.

I have a background in engineering, which probably explains why I approach a mortgage the way I do — I work through the numbers, I don’t shy away from complicated situations, and I give you a straight answer about what’s actually possible. I started in mortgage in 2003, survived 2008, and have been doing this ever since. Broker model means I shop across wholesale lenders instead of fitting you into one bank’s product lineup.

VA Loans First-Time Buyers Self-Employed Construction & Renovation Investors & DSCR

NMLS #239403 · Go Rascal, Inc. NMLS #2072896 · Licensed in NC, CA, FL, GA, TN, VA · Equal Housing Lender

Start Here

Buying a home? Let’s figure out what makes sense for your situation.

Whether you’re just starting to look or already under contract, the first step is the same: understanding your numbers, your timeline, and which loan program actually fits. No pitch. No pressure. Just information.

Apply Now → Book a Call Raleigh Buyer Roadmap

Who I Work With

I don’t specialize in easy loans.

🎖️ Veterans & Active Military

VA loans with no down payment, no PMI, and no county loan limits with full entitlement. I’ve done enough of these to know where the complications are before they become problems.

🏠 First-Time Buyers

The process is unfamiliar, the numbers are big, and there’s a lot of bad information online. I walk you through it step by step — budget, pre-approval, offer, closing — with real numbers, not estimates.

📋 Self-Employed Borrowers

Tax returns, add-backs, bank statement loans, P&L programs. If your income doesn’t show up cleanly on a W-2, I understand how to work with it.

🔨 Construction & Renovation

FHA 203(k), Fannie Mae HomeStyle, construction-to-permanent. One loan that covers both the purchase and the work, so you’re not juggling two closings.

📈 Investors & Builders

DSCR loans, new construction financing, fix-and-hold. If you’re acquiring non-owner-occupied properties or building from the ground up, I know the programs.

😶 Complicated Situations

Job change, divorce, prior short sale, unusual income, high debt-to-income. If someone else said no or you’re not sure you qualify, it’s worth a conversation.

Resources

Start with information, not a sales call.

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Raleigh Buyer Roadmap

Step-by-step from budget to keys. Real Raleigh numbers, no mystery deadlines.

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Homebuyer Q&A

Short, direct answers to the questions buyers actually ask — payment, credit, programs, timelines.

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Compare Loan Types

VA vs FHA vs Conventional vs USDA vs Construction — side-by-side, plain English.

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