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Michael Parsi NMLS #1372662 · Mortgage & Reverse Mortgage
San Jose · Bay Area · California

Let’s find the right loan for your goals—so you can dream big and move forward with confidence.

Whether you are buying your first home, refinancing, investing in rental property, or planning retirement with a reverse mortgage, I help you compare options clearly— with no pressure and no jargon.

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Free Consultation
Fast Communication
Clear Guidance
Specialty Programs
Speak to a mortgage professional Personal guidance from first question to closing—not a call center.
Competitive rates & fees We compare programs that fit your credit, income, and property goals.
Fast, accessible support Excellent communication when you need answers during the process.

Loan programs built around real life

From conventional purchase loans to investor DSCR financing and retirement reverse mortgages, explore the options below. Each program now has its own page on this site.

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Purchase

Conventional home loan

Conventional

For strong credit and a manageable debt-to-income ratio. A smart fit when you want flexible terms on a primary home.

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FHA home loan

FHA

Lower down payment options, flexible credit, gift funds allowed, and co-signer support for qualified borrowers.

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Jumbo luxury home loan

Jumbo

Finance high-value homes above conforming limits—with Prime Jumbo and Platinum Jumbo alternatives when needed.

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Investment rental property

Investment Property

Grow your portfolio with loans structured around rental income, cash flow, and long-term returns.

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Low down payment home purchase

Low Down Payment

Start smart with down payments as low as 3%—ideal for first-time buyers or those rebuilding credit.

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Refinance

Rate and term refinance

Rate & Term Refinance

Lower your interest rate or change loan terms to improve monthly cash flow and long-term savings.

Start refinance review →
Cash-out refinance

Cash-Out Refinance

Access home equity for renovations, debt consolidation, investments, or other financial goals.

Explore cash-out options →
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Specialty Programs

DSCR investor loan

DSCR

A loan based on the rent your investment property brings in—not your personal paycheck or tax return.

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ITIN home loan

ITIN

No Social Security number? You can still buy or refinance a home with an ITIN. I will tell you what to bring.

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Bank statement loan

Bank Statement Only

Self-employed? I can use your bank deposits—not last year’s tax return—to help you buy.

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Profit and loss loan

Profit & Loss Only

An alternative documentation path for borrowers who need P&L-based qualification instead of full tax returns.

Ask about P&L options →
Reverse mortgage

Reverse Mortgage

For homeowners 62+, convert equity into tax-free proceeds with strong borrower protections and no regular payment required.

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Retire smarter with a modern reverse mortgage

This is not the reverse mortgage from the ’80s. Today’s HECM programs offer strong protections, tax-free proceeds, and the ability to stay in the home you love.

  • Never owe more than the market value of your home (non-recourse protection).
  • No regular monthly mortgage payment required while you live in the home.
  • Unlock up to roughly 50% of your home value—use funds your way.
  • Line of credit grows on unused funds; you can even purchase a home with a reverse mortgage.
  • Free consultation with honest guidance—no obligation.
Reverse Mortgage Details Schedule Free Consultation
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Why work with Michael Parsi?

I help buyers, homeowners, investors, and retirees navigate mortgage decisions with clarity. My focus is simple: explain your options in plain language, match you with the right program, and stay accessible from pre-approval through closing.

Whether you need a conventional purchase loan, a bank-statement program for self-employed income, a DSCR loan for rental property, or a reverse mortgage for retirement planning, you get personal guidance—not a one-size-fits-all script.

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Let’s talk—no pressure, just clarity

Curious about your options? Fill out a short questionnaire or book a free consultation. I’m here when you’re ready.