Michael Baralt
Branch Manager, VP
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NMLS ID# 364877
Contact
Tuesday: 9am – 5pm
Wednesday: Closed for Holiday
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Michael
Let’s connect! I’m excited to learn more about your goals and help you take the next step toward homeownership. Together, we’ll make it happen. Reach out today, and let’s get started!
I am licensed in: AL, AR, CO, FL, GA, IL, NC, SC, TN, TX, VA
What Others are Saying
Michael is very responsive and informative.
Danny V.
Verified Customer
May 23, 2026
Mike made the process simple and helped us every step of the way.
Eileen C.
Verified Customer
March 17, 2026
Mike took care of everything and was very knowledgeable and friendly. There was little to no stress on my end because of Mike.
Scott M.
Verified Customer
August 28, 2025
Mike Baralt is professional, Knowledgeable, patient and kind. We recieved the best service and advice and he made the process effortless
Alice M.
Verified Customer
August 5, 2025
Personal support always. Day or late in the evening with encouragement and praise.
Lanelle B.
Verified Customer
August 3, 2025
Michael is the best.
Barnie J.
Verified Customer
July 25, 2025
michael was excellent
Anthony M.
Verified Customer
July 21, 2025
After walking me through every single step of the home-buying process over the course of almost 3 months, Michael traveled almost 2 hours round-trip with me to be present at my title signing, which itself took 2 hours. If that isn't "above and beyond," I don't know what is.
Zane Y.
Verified Customer
July 14, 2025
While the process was relatively smooth, the fees associated with the loan were extremely high. Mike is very personable and knowledgeable. The only negative are the fees and points that the parent company (Lower) charges.
David S.
Verified Customer
July 7, 2025
Michael was always available to answer questions and give advice. Very quick to respond.
Jill S.
Verified Customer
July 3, 2025
How much house
can I afford?
Fine-tune your payment based on interest, rates, term, and down payment.
Est. Monthly Payment
(P&I, Taxes & Insurance)
Est. Affordable Purchase Price
$1,814.04Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.