Mike Carey
Senior Loan Officer
|
NMLS ID# 384158
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Mike
As a mortgage professional with over twenty years experience, I understand the lending guidelines and keep up with the constant change in the industry. In my 20+ years of mortgage lending, I have helped thousands of buyers throughout the country. My specialties include all areas of lending from first time home buyers to seasoned buyers. My priority to my customers is to find the right mortgage product that fits their short and long term goals. My mission is to provide the best service possible by setting proper expectations, advising my clients of all their options, and to communicate through the transaction. My clients are prepared to close and will have no surprises. To insure that my clients and partners have a smooth and stress free transaction, I systematically prepare both buyers and partners on what to expect at closing. It is important to me to make sure everyone is prepared to close. I want to make sure that all questions are answered and my service has exceeded the clients expectation. I work by referral only so it is important to me to earn my client and professional partners trust. My business is based on true partnerships that lead to a high degree of service and satisfaction. I look forward to serving your family.
I am licensed in: TN, AL, FL
Learn About Lower Reverse Mortgages
If you're age 55 or older, your home equity can be a powerful financial tool. Whether you're looking to buy a home, refinance your current mortgage, or access additional equity, Lower offers a range of reverse mortgage solutions designed to help you achieve your retirement goals.
No Monthly Payment
With eligible reverse mortgage products, you can eliminate your required monthly principal and interest payment.
Flexible Ways to Receive Funds
Depending on the solution you choose, you may receive funds as a lump sum, monthly payments, a line of credit, or a combination of options.
Access Equity When You Need It
A standby line of credit you only tap into if and when you need it.
Purchase, Refinance, or Access Equity
Use a reverse mortgage to buy your next home, refinance your current mortgage, or open a standby line of credit against your equity.
communication was very good.
Todd N.
Verified Customer
November 4, 2026
Easy to work with and made me feel as though I was their only client. Always available and responsive.
Luciana P.
Verified Customer
September 25, 2026
⭐⭐⭐⭐⭐ Mike and his team were absolutely amazing to work with! Communication throughout the entire process was excellent. They kept both me, as the Realtor®, and our buyer informed every step of the way and were always incredibly quick to respond whenever we had questions. This was a first-time …homebuyer, and they did such a great job explaining the process, answering questions, and making everything feel easy and manageable for her. We made it to the closing table smoothly, with low fees and no unexpected hiccups! I truly appreciate lenders who communicate well and take care of their clients from start to finish. I would absolutely recommend Mike and his team and look forward to working with them again!
Alex S.
Verified Customer
September 15, 2026
Mike was extremely knowledgeable, very helpful and given it was my first home purchase via a private sale he made sure to answer any and all questions promptly while keeping me up to date on status and any next steps. Highly recommend!
Erika G.
Verified Customer
September 14, 2026
Mike was absolutely great to work with! He made the refinance process easy and stress-free, was very professional, responsive, and always took the time to answer my questions. I truly appreciate his help and highly recommend Mike to anyone looking for someone trustworthy and knowledgeable.
Kris G.
Verified Customer
September 10, 2026
Mike Carey There really aren’t enough good things I can say about Mike Carey with MLJ Escrow. He worked with me for over FOUR YEARS to help me get to the finish line, and I truly don’t think I could have asked for a better person to have in my corner throughout the process. From the very …beginning, Mike was patient, professional, encouraging, and always willing to go above and beyond for me. There were plenty of times throughout those 4 years when things weren’t simple or straightforward, but he never gave up on me. He continued answering my questions, walking me through everything, helping me figure out what needed to happen next, and reassuring me when the process felt overwhelming. He became a solid, true friend, not just a businessman doing a job. Each challenge or goal that was met, he was there. He never swayed. What meant the most to me was that I never felt like I was just another loan or another number. Mike genuinely cared about helping me and my family reach our goal. After working together for so long, finally making it to closing felt like a huge accomplishment, and I will always be grateful that Mike was the person who helped us get there. He always returned my calls, texts, and made sure I was never in the dark. It’s easy to be helpful when everything goes perfectly. It says so much more about someone when they are still there, still working just as hard for you, and still encouraging you over four years later. That is exactly the kind of person Mike is. To add, there is no such thing as a dumb question, only complete respect and transparency when communicating with him. If you are looking for a mortgage lender who is knowledgeable, dependable, patient, professional, and truly cares about the people he works with, I cannot recommend Mike Carey enough. Thank you, Mike, for sticking with me, believing we could make it happen, and going above and beyond for my family. I truly would not have been able to complete this process without Mike. Five stars doesn’t feel like enough! - James Ashley
James A.
Verified Customer
September 2, 2026
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.
