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    Michael Engelking

    @michaelengelking

    VP/Branch Manager | NMLS #163280

    Nova Home Loans

    Mortgage Loan Officer

    Phoenix, AZ
    3Articles

    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

    Buy Now or Wait? Navigating High Mortgage Rates

    Home Buying

    Buy Now or Wait? Navigating High Mortgage Rates

    Don't let high rates stall your homeownership goals. Discover why a high-rate market offers unique advantages and how to leverage seller concessions.

    Oct 16, 2026·8 min read·80
    Home Buying
    Mortgage Rates
    New VA Collection Rule: More Buying Power Than You Think

    VA Loans

    New VA Collection Rule: More Buying Power Than You Think

    The VA rewrote how non-medical collections count toward your loan. A $10,000 collection now costs about $41 a month instead of $500 — a change that can restore…

    Sep 28, 2026·4 min read·70
    VA Loans
    mortgage
    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·2230
    FHA Loans
    AUS Approval

    Showing 3 of 3 articles

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