mike@mylynchgroup.com
760-975-7111
Mike Lynch
Buying a home or exploring a refinance? Connect with Mike to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Mike
Senior Mortgage Loan Consultant and Mortgage Branch Manager Mike Lynch originally joined the home-financing industry in 1994 when he began refinancing homes for a mortgage broker. While it piqued his interest in the business, it wasn't until he started originating home loans for a mortgage banker in 1997 that he found his niche. He discovered a passion for getting a deserving family into the home of their dreams, and he finds helping a past client to save money with a refinance equally satisfying. It wasn't long before he was offered a Sales Management position with a national bank. Since transitioning to a leadership role, he has made it his goal to see that each client that finances with his group feels they received the superior customer service they deserve.
Mike ensures that every issue encountered is addressed and that his clients are always kept up-to-date. A top originator for every company he's worked for since 1998, Mike maintains that level of success at Cornerstone Home Lending by continuing to provide personalized service to each customer that best serves their individual home financing needs and goals.
Born and raised in San Diego, Mike graduated from Loyola Marymount University in Los Angeles, where he earned a bachelor's degree in business management with a minor in communications. He and his wife Robin have two daughters and a son, and they love being involved in each of their endeavors. As a family, they enjoy water skiing and snow skiing, and they like to vacation and spend time with their friends.
What clients say about Mike
I'm a single 73 year old woman. Mike is a true, honest professional! I bought first home 10 years ago with him. Then 4 years ago we refinanced a property with Mike and Cornerstone. YESTERDAY, I closed on my forever home with Mike and Cornerstone! He will be in constant communication with you. He "held my hand" when I got nervous and TRULY has his clients best interest at heart. I love Cornerstone too! They actually answer the phone! You will not be disappointed!
Cornerstone Home Lending and Mike Lynch were excellent to partner with throughout the process. Thank you for the great customer service and support! It's nice to have an experienced professional who listens and understands your needs, and can help you manage the experience end to end. Thanks again!
Mike was great to work with, was extremely helpful throughout our loan process and his whole team was very professional, responsive and knowledgeable.
Absolutely great service, Mike and his team were always extremely responsive, were very knowledgeable and able to help us navigate the loan process with no issues and even help us close escrow early. Will definitely use them again.
Great service, extremely responsive and knowledgeable throughout the loan process.
Excellent follow up and timely management of entire mortgage process
Just closed a home in Montana with Mike and his staff and it couldn't have been smoother. I highly recommend Lynch Group
Loved working with Mike and the cornerstone team. We love how easy they make this process this is Joe the third home we have bought using their services
Really great job! Helped us through every step of the way. Helped make every decision we made easier. Thanks!
Seamless process. Staff always kept me updated and informed
As a real estate professional myself, the importance of my clients working with a true professional is paramount. Mike recently helped clients of mine secure their dream home and made the process easy from start to finish. He and his team did the ground work early on to make sure that our buyer’s offer would be well received and strong no matter the competition so that even when we were up against a cash offer, we were considered seriously by the seller and listing agent. Once we got escrow opened, the process was smooth and seamless. There were no hurdles and we were cleared to close long before our scheduled closing date, providing a stress free environment for all parties involved. Thank you Mike for your help!
Mike and his team were extremely helpful, communicative, and knowledgeable. We felt so comfortable working with them to buy our first home! We are grateful for all the hard work they put in to helping us on our home buying journey.
Let’s connect
Contact Mike
Share a little about your plans and how to reach you.
Office locations
Suite 111
San Diego, CA 92128
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Mike today.
