Your Mortgage, Done Right.
Michael Colyer — 28 years of mortgage expertise serving California homebuyers and homeowners.
Licensed in California · US Army Veteran · NMLS #276626 · DRE #01842442
Why Choose Us
Experience, perspective, and values that make the difference.
28 Years in the Trenches
From Colorado in 1997 to California today — nearly three decades of navigating every market cycle, rate environment, and lending challenge. There's no substitute for experience.
360° Industry Perspective
Mortgage lending, real estate sales, and title work. Having worked all three sides of the transaction means fewer surprises and smoother closings for you.
Veteran Values
US Army service instilled discipline, integrity, and a commitment to serving others. Those values guide every client interaction and business decision.
Services
Loan programs tailored to your situation and goals.
Home Purchase
Conventional, FHA, and jumbo loans for your dream home in California.
Refinance
Lower your rate, shorten your term, or reduce your monthly mortgage payment.
VA Loans
Zero down, no PMI. Exclusive benefits for veterans and active-duty service members.
Cash-Out Refi
Tap your home equity for renovations, debt payoff, or investments.
First-Time Buyers
Down payment assistance, education, and hands-on guidance for California first-time homebuyers.
About Michael Colyer
Michael Colyer — Mortgage Loan Originator
Michael Colyer started his mortgage career in Colorado in 1997, quickly building a reputation for thoroughness and client-first service. Over nearly three decades, he's worked every side of the real estate transaction — mortgage lending, real estate sales, and title — giving him a rare 360-degree perspective that benefits every client.
A US Army veteran, Michael brings discipline, integrity, and an unwavering commitment to service. Now based in Carlsbad, California, he leads The Colyer Team with a focus on transparent communication, competitive rates, and smooth closings.
Whether you're a first-time buyer, seasoned investor, veteran seeking a VA loan, or realtor partner, Michael and his team have the experience and dedication to get your deal done right.
Get In Touch
Ready to get started? We'd love to hear from you.