Direct Rate · Mortgage Loan Originator
Michael Trant Malloy
Mortgage Loan Originator
NMLS# 1969660 | Serving Los Angeles, San Diego, San Francisco, Houston, Dallas, Austin & San Antonio
"Don't dream it be it."
About Mike Malloy
With 36 years in real estate and 10 years in mortgage lending, Mike Malloy came up through a real estate family business — and he brings that experience to buyers and homeowners across California and Texas.
I am proactive and very diligent...
I build clients for life.
Mike holds a BA from American University and an MA from National University.
How Mike starts every client relationship:
I listen and I learn and I find out what they need.
Credentials & Licenses
Who I Serve
Primary focus: First Time Homebuyers · Refinance · Veterans. Mike is actively looking to work with more first time buyers.
Loan Options I Originate
From first time buyers and veterans to luxury purchases and investors — here are the products Mike works with most.
Conventional
Flexible options for buyers with strong credit and documented income, with competitive rates and fast underwriting.
FHA
Low down payment options and flexible qualifying for first-time buyers and growing families.
VA
Zero down payment loans for eligible veterans and active-duty servicemembers. No PMI and flexible qualification standards.
Jumbo
Financing above conforming loan limits for higher-priced properties and luxury purchases.
DSCR / Investor Loans
Qualify on rental income, not personal income — ideal for investors building or expanding a portfolio.
Bank Statement Loans
Bank statement qualification for self-employed borrowers whose tax returns don't reflect their true cash flow.
Refinance (Rate/Term & Cash-Out)
Lower your payment or shorten your term, or tap your equity for improvements, consolidation, or investment.
Why Work With Mike
Three Decades In Real Estate
36 years in real estate and 10 in mortgage lending, built on a real estate family business.
I Build Clients For Life
Mike is proactive and very diligent — built for the long relationship, not the single transaction.
5-Minute Response Time
Available nights and weekends, with a typical response of 5 minutes to new inquiries.
Two States, Seven Cities
Serving buyers across Los Angeles, San Diego, San Francisco, Houston, Dallas, Austin and San Antonio.
What Clients Say
"Mike helped me out in a time of need and completely changed my life."
"I never thought I would buy anything until I met Mike and then I did!"
"Mike handled a very difficult me that helped my whole family."
Get In Touch
Call, text, email, or start your application online — Mike is available nights and weekends and typically responds within 5 minutes.
To help people achieve their dreams...
"Success comes in cans, not can not's."
DirectRate, LLC | NMLS# 1969660
Equal Housing Opportunity