Michael D. Micci
The Luxury Home Finance Expert | 25 Years of Experience
Newport Beach, CA | 800.723.4310 | mike@mikemicci.com
With 25 years of experience in the mortgage and real estate industries, I have built a reputation as one of Orange County's most trusted and knowledgeable finance professionals. Based in Newport Beach, I specialize in luxury home financing, helping buyers, sellers, and investors throughout Newport Beach, Huntington Beach, and greater Southern California navigate the complexities of today's mortgage market with confidence.
What sets me apart is not just my 25 years of expertise — it is my rare combination of mortgage mastery and real estate knowledge under one roof. Whether you are purchasing your first home, refinancing a luxury estate, or seeking a bridge loan for an investment property, I bring the insight of both worlds to every transaction.
Why Work With Me?
- 25 years of mortgage and real estate experience serving the Orange County luxury market
- Specialist in residential, commercial, jumbo, VA, FHA, and private money (bridge) loans
- Deep knowledge of Newport Beach, Huntington Beach, Newport Coast, and surrounding communities
- Multilingual service — able to assist clients in English, Spanish, French, and more
- Access to a wide range of loan programs and lender relationships to find the best possible terms
- Personalized, hands-on service from application to closing — you work with me directly, not a call center
- Proven track record spanning 25 years of closing complex deals quickly, even in challenging markets
Areas of Expertise
- Luxury & Jumbo Home Loans | Conventional, FHA & VA Purchase Financing
- Cash-Out Refinancing & Rate & Term Refinancing | Private Money / Bridge Loans
- Investment Property Financing | First-Time Homebuyer Programs
- Reverse Mortgages | Commercial Real Estate Loans
My Background & Experience
Over my 25-year career in mortgage and real estate finance, I have worked across every level of the industry — from frontline loan origination to branch management, business ownership, and account executive roles with direct private money lenders. A graduate of Long Beach State University, my breadth of experience gives me a uniquely comprehensive view of the mortgage process from all sides.
I am currently an Account Executive with Redwood Mortgage, a direct private money lender providing customized bridge loan solutions, and founder of Diversified Home Loans, a full-service mortgage brokerage based in Newport Coast, CA. My clients describe me as detail-oriented, highly responsive, and genuinely invested in their financial wellbeing — qualities I have refined over 25 years of serving Southern California's most discerning homeowners and investors.
Serving: Newport Beach & Newport Coast | Huntington Beach | Laguna Beach & Laguna Niguel | Irvine | Dana Point & San Clemente | Los Angeles County
Whether you are buying, refinancing, or exploring your options, I am ready to put my 25 years of expertise to work for you. 📞 800.723.4310 ✉️ mike@mikemicci.com
Contact me with any questions you may have.
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