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Profile picture for Mike Warsop

Mike Warsop

Lender

Loan Originator (24 years experience)

Specialties:
Purchase Loan,
Refinancing,
Home Equity,
FHA 203k , USDA Rural Housing

Add personality to your profile! Tell the community about yourself, your home, and your profession.

Hello I am Mike Warsop, loan officer with BNC National Bank. I have 20 years of mortgage lending experience and I can lend in all 50 states as BNC National Bank is an FDIC insured lender.

In today's market, obtaining a mortgage has become very complex. I aim to ensure that obtaining a mortgage is made as simple as possible. Whether purchasing a home, refinancing to a lower rate, cosnolidating debt or doing home improvements, I am committed to helping my clients obtain the financing that best fits their needs. I can help those with great or those with not so great credit. I can help you get your loan funded in as little as 10 days.

I can make conventional, VA, FHA, FHA 203k, USDA, Agricultural Loans and Home Equity Lines Of Credit.

You as a customer can expect from me:
1)a professional
2)your calls to be called back the same day
3)very competitive rates
4)very competitive fees
5)a smooth process from application to close

I look forward to hearing from you and making your lending process the easiest and most cost effective.

Talk to you soon.

Mike Warsop




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Ratings & Reviews

  
 

11/17/2013 - oreida6
Closed purchase loan.

Mike was a professional right from the beginning. He was always quick to answer any questions I had and helped me from start to finish. I will be recommending that my friend who is about to purchase a house talk to Mike first!

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Response from Mike

 

  

02/27/2012 - SF Max
Closed purchase loan.

I used Mike and BNC Bank for my 1st ever mortgage, and I could not be happier. He got us a great rate, charged no points and no fees, and even got us over $2000 in a lender credit! He was very quick and responsive to all my questions, and the loan went through EXACTLY as we thought it would, no hidden fees or last-minute snags. I would use him again or recommend him to a friend.  More Less 

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Response from Mike

 

  

10/23/2012 - user874415
Closed refinance loan. Folsom, CA

I refinanced thru Mike a few weeks ago. I had a FHA loan and I was converting it into a conventional loan. Everything went perfect until the closing day. Mike scheduled the closing but then I asked him to reschedule it and push it by 2 days. When I did this, I didn't realise that I won't be able to close by the end of the month as per FHA requirements without avoiding an extra month's interest. I believe that it is the loan officer's responsibility to flag this to me as I am not an expert in California mortgage laws.

On the day of the closing, I realised my mistake. When I told him that he should have advised me on the consequences, he became very offensive and said he doesn't have to know anything about my previous loan and its all my fault. It is very ridiculous to say that you don't care about the prior loan in the case of refinancing. A loan officer needs to know everything about the loan he is refinancing.

The problem was exasperated when the title company mentioned a month's interest as fees because of which I missed it when reviewing the closing statement. The title company was very rude and did not want to accept their mistake. Mike was supposed to talk to the title company and get back to me and also let me know about other discrepancies in the closing documents that I had flagged. I never heard back.

I shelled out an extra $1,100 because of lack of Mike's interest in the refinancing of my loan. He hadn't reviewed the closing statement and had not noticed that I would be shelling out another thousand dollars than what was anticipated in the GFE. I would never recommend him to anyone again.
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Response from Mike

 

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