Michael Garcia "The Mortgage Guy" N 3rd St, La Crosse

Michael went out of his way to ensure we got our new home. The level of service is unprecedented. He drove an hour and a half EACH WAY on a vacation day to get something that was needed last minute for underwriting. Michael made the process so much less stressful and had quick answers for everything. I will be sending anyone and everyone to Michael. Thank you so much for all you did and for getting us in our forever home.

Michael took the time to educate me about the financing process a few months after I graduated college and long before I had a pre-approval letter. Most would have blown off the meeting, thinking that some kid was wasting their time, however, Michael took the time to sit down with me after business hours, and answer all the questions that I had in order to feel comfortable moving forward in the financing process. He communicates effectively and run’s his business efficiently, to the point where he will answer questions before you ask them...apparently, he’s done this a time or two. Can’t say enough good things about Mike and his team's ability to get things done and done right!

Michael was nothing short of fantastic. The process of buying a house is so complicated. My circumstances were exceptionally difficult and complicated, and he walked with every step of the way. He is prompt to respond and a wealth of knowledge. Thank you, Michael for helping me make my first home purchase possible.

Michael is approachable, flexible, and all together awesome. He will help you every step of the way in your mortgage lending process. When it comes to choosing a mortgage lender, its really a "no brainer" to work with him.

This is my 2nd mortgage with LHFS and Michael and his team were fantastic to work with throughout the entire loan process. Very friendly, easy to work with and keep you up to date, step by step. I highly recommend them.

This guy works miracles! He pulled strings, found ways to meet requirements, and made things happen at all hours of the day, even late at night. 100 gold stars, everything is amazing, and we couldn't be happier!

Michael was very helpful and responsive during the entire process of us buying our home. This was our first experience with a VA Home Loan and we had many questions throughout entire process. Michael is very knowledgeable with all of the intricacies that come with a VA Home Loan and he did a fantastic job in answering our questions and keeping an open line of communication. It was very evident that our needs were a priority for him and he always had our best interests in mind. I would definitely recommend using Michael for your mortgage needs and I look forward to working with him again in the future.

My husband and I were in a position where we didn't know if our credit was good enough to buy a house in the price range that we wanted. We found Land and Home Financial and Michael let us know up front what we would need to qualify. Michael made the home buying process seemless from a financial stand point and we were able to buy the house we wanted! Throughout the process, he kept us and our realtor up to date with full transparency to important timelines. We closed on our house in less than two months. We recommend Michael for your home buying needs.

As first time homebuyers we didn’t know anything about the process. Mike walked with us every step of the way and was always available by call, text, or email to answer the smallest questions. He was proactive in updating us on the status of our loan and even when he had to unexpectedly be on leave he connected us with a colleague who was just as responsive. Mike was easy to work with, knowledgeable, and we felt like he truly cared about our well being. We really have no complaints and couldn’t have asked for a better home buying experience.

Phenomenal, Professional, Timely. Michael was incredibly helpful as we navigated our first home purchase. He answered our one off calls and returned our email communication promptly. He is one of the best at communicating in multiple formats to be sure you’re kept as up-to-date as possible on every hurdle/milestone that comes up. I would 100% recommend Michael to any customer in the tri-state area. Thank you again!