CrossCountry Mortgage logomark

Michael Garmendia

Sales Manager

St. Petersburg, FL Mortgage Lender

NMLS #432386

Adress
150 Second Avenue North, Suite 850
St. Petersburg, FL 33701
Contact Methods
Email
tel Phone
813-393-6799
mobile Mobile
(813) 393-6799
fax Fax
727-341-5099

Awards

About Michael

I’m here to assist you in one of life’s most significant financial decisions: securing a mortgage. Whether you’re a first-time homebuyer, looking to refinance, or searching for your dream home, I’m dedicated to providing an honest and transparent home financing experience. With 21 years in the mortgage industry, I’ve had the privilege of helping numerous individuals and families achieve their homeownership goals. My approach is rooted in honesty and integrity, and I believe in clear communication every step of the way.

I understand that the mortgage process can appear daunting. That’s why I’m committed to making this journey as smooth as possible for you. I’ll take the time to listen to your unique financial situation, answer your questions, and guide you every step of the way. I want you to feel informed and empowered to make the best decisions for your future.

Mortgages aren’t one-size-fits-all. I’ll work diligently to find the right solution for your specific situation. My goal is to be more than just a mortgage advisor – I want to be your trusted partner in achieving your homeownership dreams. Together, we’ll navigate the complexities of home financing with transparency, empathy, and a commitment to your financial well-being.

From pre-approval to closing and beyond, I’m here to simplify the mortgage process, provide honest guidance, and help you take each step toward homeownership. Let’s embark on this journey together and turn your dreams into reality.

Specialties

  • Purchase and Refinance
  • Construction Loans
  • First Time Homebuyers

Recent Posts and Articles

Blog

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 813-393-6799