Michael Caminiti is an established Loan Officer at Quintessential Mortgage Group. Prior to working at QMG, he spent 10 years at UBS Investment Bank where he served his clients with great service and respect.
Michael’s vast experience in the financial markets and his knowledge of the various loan products is unmatched. As a Loan Originator, Michael prides himself on staying current with the different loan options where he believes a loan is not a one-size-fits-all solution. He’s successfully closed loans from a first time buyer FHA loan to multi-million dollar purchases, all with great speed and execution.
Michael understands that purchasing a home can be a daunting task, but also believes that it is a team effort. He will clearly communicate the status of the loan to everyone involved in the transaction to ensure complete transparency and a smooth closing.
Proud to be part of the Quintessential Mortgage team, Michael’s knowledge of the financial markets, his entrepreneurial and caring spirit, and his unwavering dedication to his customers and co-workers, defines his success. When Michael isn’t busy originating loans you can find him spending time with his 2 daughters on the lacrosse field or helping raise awareness and money to fight childhood cancer.
Step-by-step process to getting the keys to your new home.
Step-by-step process to getting the keys to your new home.
Step-by-step process to getting the keys to your new home.
What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.
If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.
Want to learn more about our expert take on lower rates?
What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.
If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.
Want to learn more about our expert take on lower rates?
Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with Quintessential Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your m
Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with Quintessential Mortgage, you’ll collaborate closely with a licensed mortgage loan officer.
Follow the 28/36 rule
Try to keep housing costs under 28% of your gross income and total debt under 36%. It’s not a hard rule, but it’s a solid guide when deciding your price range.
Buying a home should be exciting, and getting preapproved is just about clearly telling your financial story. When your documents are ready upfront, everything moves faster with fewer surprises and stronger offers. Having your income, assets, and credit info organized gives lenders a clear picture and saves you a ton of time and stress. The more prepared you are, the more confident you’ll feel when it’s time to make an offer.
A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
Real estate investing means buying property to earn income, either from rent, resale, or both.
Long-term rentals
Buy and rent on yearly leases for steady monthly income and long-term value.
Short-term rentals
Vacation rentals like Airbnb that can earn more during busy seasons but fluctuate.
Fix and flip
Buy, renovate, and sell for profit. Faster money, but higher risk and costs.
House hacking
Live in one unit of a multi-family property and rent the others to cover your mortgage.
Conventional loans
Good for long-term rentals with 15–25% down and fixed or adjustable rates.
DSCR loans
Based on how much rent the property makes, not your income.
Fix-and-flip loans
Short-term loans for buying and renovating properties quickly.
Bridge loans
Temporary loans to buy before selling another property.
