Michael Ray Alvarez is a distinguished Mortgage Professional based in Southern Florida. With twenty years of experience, Michael has dedicated his career in the mortgage industry to helping families and businesses get the loans they need to meet their real estate goals. He currently holds positions as Branch Manager at USA Mortgage and Managing Partner at Capital Funding where he primarily focuses on residential and commercial loans and has a reputation as one of Florida’s leading real estate mortgage professionals.
Though he has spent more than his fair share of time in classrooms, Michael prides himself on being a predominantly self-taught individual. As he tells it, it was an aptitude for the math and customer service skills necessary for a career in mortgages that inspired him to enter the industry:
You could say I find sanctuary in numbers. I'm good at math. But I eventually realized that I could provide the greatest value on the more human side of the industry. I learned the processes and was able to successfully navigate them with relative ease. The job of loan officers, really, is to coordinate all the tasks that need to be done. That means working with title, with the realtors, the appraiser, the insurance agent, and so on. Working with all the parties involved in the transaction to make sure that everyone does their job so that we can get it to the close.
Michael began his career in 1994 as a broker for residential and commercial loans, then as acting CEO of Value Plus Incorporated for twelve years. Today, as a Branch Manager at USA Mortgage, he has honed an expertise in a broad range of loans and upholds a commitment to providing his clients with the best possible chance of achieving their family or business goals. His nuanced understanding of the mortgage industry and his talent for negotiating the world of loan approval helps him not only serve his clients but also to educate them so they can make empowered, smart choices. Today, he is known for his relaxed demeanor in the face of complicated and challenging work, and jokes:
People think I’m so relaxed, I guess because I’m from California. I seem relaxed. But I’m not.
Whether he is truly relaxed or only pretending, Michael manages to provide his clients with calm and competent customer service during each transaction. And as a leader in his field, Michael keeps a close eye on any trends in the mortgage industry or the economy at large that could affect his clients. Lately, a more active economy is making his job busier and the market more active. He noted:
The economy is going to be getting better. That means rates will be going up and also we've got more people who have more money to purchase more homes.
Looking to the future, Michael has no intentions of slowing down. He is currently building another branch at USA Mortgage and plans to expand his business and client base over the years to come. He is also currently a Private Equity Associate Member to an IPO that plans to go public this year. When he isn’t working, Michael loves to spend time with his wife of ten years. With a myriad of business and family plans in the works, Michael is sure to remain a force to be reckoned with in the mortgage industry for years to come.
Beyond his work in mortgages, Michael is also a health and fitness buff and an avid reader of The Great Books of the Western World.
Education & Certification
Licensed Mortgage Originator, NMLS 257246
Professional Memberships & Community Involvement
Florida Association of Mortgage Professionals • Phoenix Patriot Foundation • Director, Frontsight • Supporting Member, Judicial Watch • Member, Volunteer, Fairtax.org • Constitutional Sheriffs and Police Officers Association • Supporting Member, Stratfor Enterprises • Supporting Member, Geopolitical Futures
Branch Manager, USA Mortgage (2017-present) Branch Manager, 1st Financial Inc. (2016-present) • Director of New Accounts, Greenridge Capital Funding (2013-present) • Private Equity Associate, Halydean Corporation (2013-present) • Managing Partner, Capital Funding (2011-present) • CEO, Value Plus Incorporated (1994-2012)