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    M

    Michael Engelking

    @michaelengelking

    VP/Branch Manager | NMLS #163280

    Nova Home Loans

    Mortgage Loan Officer

    Phoenix, AZ
    1Articles

    About Michael

    Since 1996, I’ve built my mortgage business on a simple philosophy: make clients so happy they refer their friends and family. By focusing on relationships, trust, and truly understanding each client’s wants, needs, and goals, I can craft a loan solution that truly fits their lives—whether it’s buying a first home, upgrading to a dream home, refinancing into a better rate, or investing with long-term plans in mind. I take the time to sit down with each client, ask the right questions, and explai

    Nova Home Loans
    VP/Branch Manager | NMLS #163280
    Location
    Phoenix, AZ
    Member since
    August 2026

    Michael's Articles

    The 25-Year FHA Strategy: Turning Denials Into Approvals

    FHA Loans

    The 25-Year FHA Strategy: Turning Denials Into Approvals

    When FHA's TOTAL Scorecard returns a Refer on a 30-year term, running the same file as a 25-year loan can flip the outcome to Approve/Eligible.

    Aug 31, 2026·6 min read·2170
    FHA Loans
    AUS Approval

    Showing 1 of 1 articles

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