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Michael Davidson Reviews

Michael Davidson
Branch Manager (18 years experience)

Specialties:

Purchase Loan, Refinancing, Mortgage Planning, HARP, Homepath,CDA,FHA,VA,USDA

 
- Highly likely to recommend
07/07/2014 - kevwebber
Closed purchase loan.
Mike kept open lines of communication with me throughout the process. He seemed to know his business! I would recommend Mike to others looking to purchase a home.
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- Highly likely to recommend
06/20/2014 - user4484808
Closed purchase loan. Homeland, Baltimore, MD
We found Mike via a recommendation from a friend. Throughout the entire process he was beyond responsive and helpful - available to answer questions and provide insight at all times. During the end stages, we encountered a hiccup with the sale (through no fault of Mike or the mortgage company) and Mike went above and beyond to try and figure it out - going so far as to call our Realtor to brainstorm about possible solutions. I would wholeheartedly recommend him and his company!
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- Highly likely to recommend
05/15/2014 - cdesaidds
Closed refinance loan.
I was lucky to have been introduced to Mike. He made the loan process very easy and quick. He guided me properly and answered all my questions satisfactorily. I highly recommend Michael Davidson from Embrace Home loans. thanks Mike.
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- Highly likely to recommend
05/01/2014 - artip1
Closed refinance loan.
It was lovely working with Mike! He was so helpful throughout the process of refinancing my loan. His attention to detail is very impressive, he was patient, knowledgable, and was always available when I had questions or concerns. I would most definitely recommend Mike to my family and friends!
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- Highly likely to recommend
04/30/2014 - pspence1
Closed refinance loan. Sunrise, FL
My wife and I have been trying to refinance our home since HARP first came out. We meet all the conditions, but had no luck at all. Our goal was to lower our interest rate and reduce the term of the loan (15 vs 30). Our interest rate at the time was 6.75%.

1st attempt, we were denied because our home was too far underwater.

2nd attempt, banks (we applied too) stated they only did refi under HARP for their current customers. Our provider (Nationwide) wanted to drop our rate to 5% (while the going interest rate at the time was lower that 3%); and would not allow us to take on a 15 yrs. term. They wanted us to start over with another 30 yrs. term mortgage (we had 22 years left on original mortgage).

3rd attempt, banks declined us at the last minute (days before closing) because our PMI was being paid monthly by our lender vs annually. This did not make any sense to us, since insurance and taxes (placed in escrow) are paid annually and not monthly by the lenders.

As we started to give up, we came across a review on Zillow, where someone (in same situation as us with PMI) wrote a nice review on Mike Davidson from Embrace. They stated that Mike got them pass the LPMI issue and was successful in doing a refinance meeting their goal/objectives.

I contacted Mike on 3/29/14 and we successfully closed on 4/25/14. With the refinance, we:

1. Dropped our rate from 6.75% to 3.75% 2. Was successful in getting a 15 year term instead of 30. (This was big for us, because under our previous provider we had 22 years left. By getting the 15 year team, we knock off 7 extra years of payment!!!!!!). 3. Lower our monthly payment.

To sum up our experience....when all others said no…..Mike said yes. Thank you Mike!!!!!!

I have to also acknowledge his wonderful team: Angela Lare and Shari Rothman
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- Highly likely to recommend
04/28/2014 - DougBaillie
Closed purchase loan.
I had to terminate another broker for attempting to exploit my urgent need to obtain a mortgage and settle on a house within two weeks. A friend, whom had used Mike before, suggested I contact him for assistance. Mike returned my call while driving with his wife to Boston. He didn't make any promises, but he was optimistic that we'd be able to reach settlement by April 30th. While driving he entered my application for a loan and communicated my needs to his staff. The very next day a flurry of email requests for documentation, signatures request, etc, , were exchanged between the staff and myself. By the end of the day my loan was in underwriting. My loan was approved within a couple of days and I settled on my house on April 28th.

I cannot say enough for Mike and his staff at Embrace Home Loans. They were amazing. I'm not sure I've been served better by any other businesses I have dealt with over the years. Kudos to Embrace !!
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- Highly likely to recommend
03/16/2014 - user6203263
Closed purchase loan. Baltimore, MD
If you could describe a person who embodies a great professionalism ,Mike definitely falls to this category. He not only knows numbers and figures but he has a good vibe that draws people around him. He always wears a smile that initiates good rapport to his clients. He's knowledgeable about his work and gives pieces of advise which help the client on what to decide on how to handle certain concerns. He never fails to update his clients whenever there are changes in the application process. Kudos to him.
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- Highly likely to recommend
03/09/2014 - cardfaninmd
Closed purchase loan. Laurel, MD
Mike was very positive and helpful throughout the process of selling our investment home and purchasing a new one via a 1031 Strycker/like-kind exchange. He worked with our son (a first time home buyer) as well as part of this overall transaction.
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- Highly likely to recommend
03/06/2014 - user431377
Closed refinance loan. Severna Park, MD
We live in Maryland but were looking to purchase a second home in California. Since Mike is also licensed in California (based in MD), he was able to help us out. I have had many home loans before but was new to second home loan financing and also the short sale process. What we value most about Mike is his advice about how to approach the loan process and what you can do to make the process easier. In our case, we had been retired and still living in Maryland but at the same time looking to eventually make our way back to Sacramento. Mike made a couple of suggestions and we followed his advice. We are now working with Mike on our second closing in less than two months. And when we finally make it back to Sacramento, there is a third closing in Mike's future!

If you want a professional who will be responsive, call you back, return your emails and generally make the whole process as easy as he can, and provide some advice and guidance throughout the process, then do yourself and work with Mike on your loan.
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- Highly likely to recommend
02/10/2014 - amberbubba32
Closed purchase loan. Saxton, PA
I was a first time home buyer with no clue as to what i was doing. Previously i had gone to two other lenders none of which answered my calls or followed through with my loan applications. Then someone told me about Michael Davidson. Michael answered every question imeadetly and explained in language i understood. He was there every step of the way and because of that i went from feeling like i wanted to quit the whole process to a knowledgeable and over the moon happy new homeowner
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Professional Information
Address:
Embrace Home Loans
8840 Staford Boulevard, Suite 1000
Columbia, MD  21045
Phone:
(888) 576-2619
Email
Web:
Website
Advice posts:
58
Screen name:
Mike_Davidson
Member since:
10/27/2010
NMLS #:
  • 137561