Michael Gayda | Home Loan Huddle 

Home Loan Huddle with Michael Gayda offers clear, practical insight on residential home financing, mortgage rates, relevant industry news and data, and the decisions that matter to homebuyers, homeowners, builders, Realtors, and financial professionals.

Michael has spent more than 20 years helping thousands of clients make informed mortgage decisions. He is a Sales Manager and Mortgage Originator offering Conventional, FHA, VA, USDA, Jumbo, Renovation, Construction-to-Permanent, Home-equity, Self-employed, and Investor-financing options.

Michael works directly with clients in Florida, Georgia, and Illinois. Buying or refinancing elsewhere? He can connect you with trusted mortgage resources in all 50 states.

The goal is simple: straightforward explanations, useful context, and a clearer understanding of your options.

Michael Gayda | NMLS #177621
OVM with AnnieMac Home Mortgage | NMLS #338923
Equal Housing Opportunity

904-813-0415 | mgayda@annie-mac.com