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Michael Davidson

Michael Davidson

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About

With over 18 years of mortgage banking experience, Mike joined Embrace’s Rockville, Maryland office as a Senior Loan Officer in December of 2010. In 2012, he opened a satellite office in Ellicott City, Maryland and serves as an in-house lender for a national real estate brokerage. In June 2014, Mike helped launch our Columbia, Maryland office as Branch Manager and was ranked in the top 10 retail producers for the year and was a President's Club award recipient in 2012, 2013, and 2014. Mike believes strongly in keeping communication open and constant by sharing successes and working through difficulties. His dedication to open communication builds trust and a strong relationship with his Loan Officers and operational staff. Mike believes it is his responsibility to support his Loan Officers in growing their business and works alongside them whenever they need a coach, leader, or a friend. Mike says, “We are a caring and connective team and our customers feel it.”

Prior to Embrace, Mike worked at Citywide Mortgage for 9 years as a Senior Loan Officer and Branch Manager followed by 2 years as a Branch Manager at 1st Metropolitan Mortgage at their Columbia, Maryland location. Mike is a member of the Greater Baltimore Board of Realtors and the Howard County Association of Realtors where he currently serves on the Communications Committee.

Mike has been a Maryland resident for over 35 years. The son of an Air Force Officer, he experienced the life of a “military brat” living in Norfolk, Virginia and Seoul, Korea.  Mike returned to Maryland, graduated from St. Vincent Pallotti High School and received a Bachelor of Science degree from the University of Maryland in 1997. When Mike is not spending quality time with his family, he enjoys running, biking, and boating on the Chesapeake. Mike currently lives in Maple Lawn, Maryland with his beautiful wife Adrienne, his daughters Sophie and Ella, and his Mastiff Gus.

Click here to see reviews on Zillow

Presidents Club 2016, 2014, 2013, 2012
 

 

Branch: Maryland - Columbia, 8840 Stanford Boulevard, Columbia, MD 21045

Michael Davidson, NMLS# 137561 , is employed by Embrace Home Loans and is licensed in:
CA DC DE FL MD NC NJ PA VA

Reviews (83 Reviews)

5.0
5.0 Survey completed on December 6, 2017
Reviewed By Oscar Zamudio Garcia for Michael Davidson
Completed transaction in November 2017
Great Customer service..... Recommended 100%
5.0
5.0 Survey completed on December 5, 2017
Reviewed By Evelyn Mellert for Michael Davidson
Completed transaction in November 2017
Michael, was available to answer any questions and address any concerns I had. Patiently helped with navigating the online application process.
4.667
4.667 Survey completed on November 27, 2017
Reviewed By Donna Darbous for Michael Davidson
Completed transaction in November 2017
I had a rather complicated house buying experience. Mike was very professional, agile and accommodating. He helped me get it done!
5.0
5.0 Survey completed on November 21, 2017
Reviewed By James Atkinson for Michael Davidson
Completed transaction in November 2017
Personal service. Great flexibility. Can-do attitude. Great rate and cost competitive. Highly recommended!
5.0
5.0 Survey completed on November 13, 2017
Reviewed By Curtis Vinyard for Michael Davidson
Completed transaction in October 2017
Suzanne and I were extremely pleased with our decision to use Embrace Home Loans, and most importantly, the service we received from Mike Davidson. We can't say enough good about Mike. He was incredibly responsive and professional. We went from placing a contract on our home to closure in less than thirty days. This would not have been possible without Mike's hard work, Thanks Mike!!Suzanne and I were extremely pleased with our decision to use Embrace Home Loans, and most importantly, the service we received from Mike Davidson. We can't say enough good about Mike. He was incredibly responsive and professional. We went from placi ...read full review
5.0
5.0 Survey completed on November 3, 2017
Reviewed By Alexander Wachsman for Michael Davidson
Completed transaction in October 2017
Mike worked super fast to get us the info we needed and to get us approved. Since we were first time home buyers good communication was a must and Mike kept us up to speed throughout the entire process. His service was absolutely top notch.
5.0
5.0 Survey completed on November 3, 2017
Reviewed By Yuanyuan Liu for Michael Davidson
Completed transaction in October 2017
Very efficient! Very professional !
5.0
5.0 Survey completed on October 25, 2017
Reviewed By Suzanne Elliott-Smith for Michael Davidson
Completed transaction in October 2017
Micheal and his team delivered the easiest mortgage application experience my husband and I have ever had. They told us right up front what they needed. No additional requests for information or letters. The closing was professional and quick ( less than an hour) AND we closed 10 days earlier than initially planned! Great experience with Embrace, even my mother an experienced realtor of 40 years was impressed. I would definitely use Embrace again and I have already referred people to Michael. Micheal and his team delivered the easiest mortgage application experience my husband and I have ever had. They told us right up front what they needed. No additional requests for information or letters. The closing was professional and quick ( less ...read full review
5.0
5.0 Survey completed on October 17, 2017
Reviewed By Jeffrey Brumfield for Michael Davidson
Completed transaction in October 2017
Mike was very helpful and responsive during the entire home buying process.
5.0
5.0 Survey completed on October 11, 2017
Reviewed By Karen Xenos for Michael Davidson
Completed transaction in October 2017
Mike was amazing to work with on our home purchase. I have worked with numerous other brokers over my lifetime and I have to say Mike has been the best. He was always responsive, professional, knowledgeable, and diligent. He always steered me in the right direction, promptly responded to a question, and proactively made things happen. Mike was amazing to work with on our home purchase. I have worked with numerous other brokers over my lifetime and I have to say Mike has been the best. He was always responsive, professional, knowledgeable, and diligent. He always steered me in the ...read full review
5.0
5.0 Survey completed on October 6, 2017
Reviewed By Tiara Parker for Michael Davidson
Completed transaction in September 2017
You were always available to answer any questions I had during the process. Everything was taken care of quickly once the approvals were received.
5.0
5.0 Survey completed on October 6, 2017
Reviewed By Suman Kumar for Michael Davidson
Completed transaction in September 2017
Mike was with us every step of the way guiding us through the process.
5.0
5.0 Survey completed on October 4, 2017
Reviewed By Michael Akalu for Michael Davidson
Completed transaction in September 2017
Mike is Great! Really responsive, gives great advise and always has a positive and optimistic attitude. I loved working with him. Thanks for everything, Mike!
5.0
5.0 Survey completed on September 29, 2017
Reviewed By Josh Thurston for Michael Davidson
Completed transaction in September 2017
Honest, straight forward, and great communication. Very pleased with my experience with Mike and the rest of the team at embrace.
5.0
5.0 Survey completed on September 26, 2017
Reviewed By Terah Buteau for Michael Davidson
Completed transaction in September 2017
Awesome working with you!
4.667
4.667 Survey completed on September 19, 2017
Reviewed By Princesella Hayles for Michael Davidson
Completed transaction in August 2017
One on One customer service.
5.0
5.0 Survey completed on September 6, 2017
Reviewed By Glenn Hayles for Michael Davidson
Completed transaction in August 2017
Great company, outstanding service
5.0
5.0 Survey completed on August 23, 2017
Reviewed By Ethan Simonton for Michael Davidson
Completed transaction in August 2017
I had a unique situation with an owner that had a previous offer and a desire to close in less then 3 weeks. From viewing the home, to getting a pre-approval letter, to making an offer to closing was that 3 weeks. Mike and his team where outstanding in there effort and there communication throughout what can be a challenging process. When dealing with hundreds of thousands of dollars and life decisions you want to work with professionals. Mike and his team are those professionals. I had a unique situation with an owner that had a previous offer and a desire to close in less then 3 weeks. From viewing the home, to getting a pre-approval letter, to making an offer to closing was that 3 weeks. Mike and his team where outstandin ...read full review
5.0
5.0 Survey completed on August 7, 2017
Reviewed By Brittany Allen for Michael Davidson
Completed transaction in August 2017
Thank you Mike! Highly intelligent and very knowledgeable in your field.
5.0
5.0 Survey completed on August 4, 2017
Reviewed By Thomas Allen for Michael Davidson
Completed transaction in August 2017
Professional and easy to work with
5.0
5.0 Survey completed on August 3, 2017
Reviewed By Stephen Blagg for Michael Davidson
Completed transaction in July 2017
Above all, Mike is smart. He's a real professional, and he knows his business. He helped us to get the home loan that we needed. Also, Mike is straightforward and totally honest. I feel that I could trust his with anything. Finally, he is personable. Working with him is a real pleasure. Our whole Keller Williams experience was great, from the realtors to the title company to the mortgage company, but it all began with Mike for us. I'd recommend him without reservation to anyone.Above all, Mike is smart. He's a real professional, and he knows his business. He helped us to get the home loan that we needed. Also, Mike is straightforward and totally honest. I feel that I could trust his with anything. Finally, he is person ...read full review
5.0
5.0 Survey completed on August 1, 2017
Reviewed By Jennifer Reitmeyer for Michael Davidson
Completed transaction in July 2017
I could not imagine a better lending experience than the one Mike Davidson delivered. He was incredibly patient, informative and responsive throughout the process, and worked diligently to ensure the transaction was as smooth as possible. His great advice and encouragement made me feel he truly had my best interests at heart. Mike also achieved what I would have thought was impossible: going from contract to close in just two weeks! I can't recommend his team highly enough!I could not imagine a better lending experience than the one Mike Davidson delivered. He was incredibly patient, informative and responsive throughout the process, and worked diligently to ensure the transaction was as smooth as possible. His great a ...read full review
5.0
5.0 Survey completed on July 13, 2017
Reviewed By Jeffrey Guimarin for Michael Davidson
Completed transaction in July 2017
Quick responses, great communication. Flexibility to adapt to situation and need. Perfect and painless experience to obtain a home loan.
5.0
5.0 Survey completed on July 13, 2017
Reviewed By Christopher FitzGerald for Michael Davidson
Completed transaction in June 2017
Mike made the processes seem easy. This is not our first home loan and this one by far 10x easier. The request for documents was clear and specific. The online portal to submit documents was easy to use. It really was a smooth process.
5.0
5.0 Survey completed on July 13, 2017
Reviewed By Matthew FitzGerald for Michael Davidson
Completed transaction in June 2017
Michael and his team went over and above to make a complicated process clear, professional, and friendly. It was really appreciated!
5.0
5.0 Survey completed on June 30, 2017
Reviewed By Kristin Newman for Michael Davidson
Completed transaction in June 2017
Mike and his team at Embrace made our first time home buying experience fantastic. They answered all of our questions in a timely manner and made sure to keep us informed and educated every step of the way. Buying a house for the first time can be a scary and overwhelming experience and they made it easy!Mike and his team at Embrace made our first time home buying experience fantastic. They answered all of our questions in a timely manner and made sure to keep us informed and educated every step of the way. Buying a house for the first time can be a ...read full review
5.0
5.0 Survey completed on June 27, 2017
Reviewed By David Merrill for Michael Davidson
Completed transaction in May 2017
Smooth process & great communication! Highly recommended
5.0
5.0 Survey completed on June 27, 2017
Reviewed By Mukaila Jimoh for Michael Davidson
Completed transaction in June 2017
very professional and knowledge
5.0
5.0 Survey completed on April 24, 2017
Reviewed By Neftali A for Michael Davidson
Completed transaction in April 2017
Good service
5.0
5.0 Survey completed on March 29, 2017
Reviewed By Ncis for Michael Davidson
Completed transaction in March 2017
From the first conversation Mike gave me a really comfortable feeling about getting and taking on a large loan. He answered emails all hours of the day. He kept my fianc_ and I informed on all aspects of the process. Mike was a professional and talked in terms that anyone can relate too. For first time home buyers Mike was the perfect Branch Manager/Loan officer to work with. I referred him to a coworker because I was so confident in his ability to get things done!From the first conversation Mike gave me a really comfortable feeling about getting and taking on a large loan. He answered emails all hours of the day. He kept my fianc_ and I informed on all aspects of the process. Mike was a professional and talke ...read full review
5.0
5.0 Survey completed on February 24, 2017
Reviewed By Sarah and Frank for Michael Davidson
Completed transaction in February 2017
We were referred to Mike from our realtor, who is a family friend. From the very beginning we knew we were in great hands. The approval process was so quick and easy, and all accessible online which was great for us. As first time home buyers, Mike took the time to walk us through our options and make sure all of our questions and concerns were addressed, and he worked around our full time, chaotic schedules, even though it cut into time with his family. He was wonderful to work with, and we don't have enough great things to say about him and his team!We were referred to Mike from our realtor, who is a family friend. From the very beginning we knew we were in great hands. The approval process was so quick and easy, and all accessible online which was great for us. As first time home buyers, Mike t ...read full review
5.0
5.0 Survey completed on December 6, 2016
Reviewed By Brian for Michael Davidson
Completed transaction in December 2016
Mike and his team took care of everything with professionalism and timeliness. Absolutely, would recommend to anyone.
5.0
5.0 Survey completed on November 23, 2016
Reviewed By Jp for Michael Davidson
Completed transaction in November 2016
Nice one. They did good job. Their responds to all my needs where very prompt and on time.
5.0
5.0 Survey completed on November 9, 2016
Reviewed By Wes for Michael Davidson
Completed transaction in November 2016
Mike was instrumental in this home buying process going smoothly. He has a strong command of the mortgage finance business, so he was able to offer insightful advice on financing options that best fit my purchase scenario. Combine knowledge, good service and attention to detail and we had a winning combination! I would recommend Mike Davidson to anyone looking for a mortgage.Mike was instrumental in this home buying process going smoothly. He has a strong command of the mortgage finance business, so he was able to offer insightful advice on financing options that best fit my purchase scenario. Combine knowledge, good ser ...read full review
5.0
5.0 Survey completed on November 7, 2016
Reviewed By Donna for Michael Davidson
Completed transaction in November 2016
It was great, everyone was so patient with me and the delays on fixing the problems.I think if would of been another company or team they would of just moved on and I probably wouldnt have my new car.
5.0
5.0 Survey completed on November 3, 2016
Reviewed By joe for Michael Davidson
Completed transaction in November 2016
I couldnt have had better service,and understanding while I was ill during the process,everyone was great,I have told all my friends about embrace.My husband and I think Mike is really great loan officer,and I couldnt be more proud about how far he has come,hes always been a great guy to work with,and we are so happy for him.I couldnt have had better service,and understanding while I was ill during the process,everyone was great,I have told all my friends about embrace.My husband and I think Mike is really great loan officer,and I couldnt be more proud about how far he ...read full review
5.0
5.0 Survey completed on November 2, 2016
Reviewed By Steven Riley for Michael Davidson
Completed transaction in November 2016
Every step of the way Mike and the EMBRACE team made sure that I understood the process by walking me through each of the many steps making my experience as simple as possible. They are very reactionary and will immediately handle any and all concerns with true dedication. In short, they are there for you!Every step of the way Mike and the EMBRACE team made sure that I understood the process by walking me through each of the many steps making my experience as simple as possible. They are very reactionary and will immediately handle any and all concern ...read full review
5.0
5.0 Survey completed on June 7, 2016
Reviewed By sarahhallis11 for Michael Davidson
Completed transaction in June 2016
Working with Mike was easily the best decision my husband I could've made. He eased our fears about buying a home and made us excited about the process. He was super responsive and there every step of the way. To this day, if there is something we need- we still feel like we can rely on him. I won't ever use or recommend anyone else!Working with Mike was easily the best decision my husband I could've made. He eased our fears about buying a home and made us excited about the process. He was super responsive and there every step of the way. To this day, if there is something we ne ...read full review
5.0
5.0 Survey completed on June 2, 2016
Reviewed By FaithSentz for Michael Davidson
Completed transaction in June 2016
This guy is awesome. For serious! Very responsive, and a pleasure to work with! He certainly made what could be a very stressful situation, pretty painless. Would highly recommend.
5.0
5.0 Survey completed on May 25, 2016
Reviewed By zuser20140830202903638 for Michael Davidson
Completed transaction in May 2016
Mike was fantastic to work with, setting up our VA loan. He was very knowledgeable, talked us through all of our options, made observant suggestions, and worked a number of options into our mortgage that paid down other debt and set us up for success, both before and after closing, including advice on what to do, mortgage and finance-wise, over the next 6, 12, and 18 months. -- He really knows his stuff, and he takes care of his clients.

He was only a phone call away, even when he was away at a corporate function, and would check in with us at regular intervals. He was always professional, but entirely affable and approachable. I can't recommend him highly enough!
Mike was fantastic to work with, setting up our VA loan. He was very knowledgeable, talked us through all of our options, made observant suggestions, and worked a number of options into our mortgage that paid down other debt and set us up for success ...read full review
5.0
5.0 Survey completed on January 14, 2016
Reviewed By SandraLa Guera for Michael Davidson
Completed transaction in January 2016
Michael was very knowledgable about different types of mortgages. His communication was always timely and I was able to close very quickly. I felt very comfortable in the process, from start to finish.
5.0
5.0 Survey completed on October 27, 2015
Reviewed By zuser20150729163710200 for Michael Davidson
Completed transaction in October 2015
I felt as if I was Mike's only client from beginning to end. The entire loan process was done electronically, which helped things go very smoothly. I had been working with another lender, who extended the closing date several time. I lost confidence in that lender's ability to close the loan and the deal was in jeopardy of falling apart. Mike stepped to save the sale. He was able to get the loan approved and closed within two weeks. I am still amazed at how quickly he got things done.
I felt as if I was Mike's only client from beginning to end. The entire loan process was done electronically, which helped things go very smoothly. I had been working with another lender, who extended the closing date several time. I lost confidence ...read full review
5.0
5.0 Survey completed on October 5, 2015
Reviewed By wilson1311 for Michael Davidson
Completed transaction in October 2015
My experience with this loan officer was fantastic. I enjoyed the weekly updates he provided and his energy in securing all necessary documents were collected in a timely manner. He was consistent and transparent in all our exchanges and his dedication to meet our settlement date.

My loan itemized transactions were justifiable and understandable with no unnecessary charges. With this type of transaction, the details and particulars can get overwhelming, he ensured that was not the case. Overall, I think his follow through attitude will make many homebuyers happy. :)?
My experience with this loan officer was fantastic. I enjoyed the weekly updates he provided and his energy in securing all necessary documents were collected in a timely manner. He was consistent and transparent in all our exchanges and his dedica ...read full review
5.0
5.0 Survey completed on October 5, 2015
Reviewed By itsbaskar for Michael Davidson
Completed transaction in October 2015
Mike Davidson is an excellent person to work with. He is very customer-centric person and will look for all possible ways to give the best deal to the customer (which is very important for me). He is very knowledgeable and also shared few things with me, which made me comfortable by knowing what is being done now, why it is being done this way and how we can alter it. I would strongly recommend Mike to anyone who is looking for loans.Mike Davidson is an excellent person to work with. He is very customer-centric person and will look for all possible ways to give the best deal to the customer (which is very important for me). He is very knowledgeable and also shared few things with ...read full review
5.0
5.0 Survey completed on August 25, 2015
Reviewed By lmb6534 for Michael Davidson
Completed transaction in August 2015
From the first reply to my introductory email, I felt like Mike's only client. He responded quickly, he took the time to explain in detail any questions I had, and he never made me feel like I was bothering him. I could hear the enthusiasm in his voice when my loan was approved. He seemed just as excited as I was about it!From the first reply to my introductory email, I felt like Mike's only client. He responded quickly, he took the time to explain in detail any questions I had, and he never made me feel like I was bothering him. I could hear the enthusiasm in his vo ...read full review
5.0
5.0 Survey completed on February 19, 2015
Reviewed By adrienmeckley for Michael Davidson
Completed transaction in February 2015
My husband and I are moving back to Maryland from Florida so most everything was done by e-mail, phone, text and electronic signature. I was introduced to Mike by our realtor when I was first in Maryland searching for a home. Mike made me feel as if I was his only client and was always available to answer questions from pre-qualifying to the actual loan commitment and finally to the settlement table. He worked closely with our realtor and the title company to make sure all the “i”s were dotted and “t”s were crossed. We would definitely recommend Mike to anyone looking for a caring professional to handle their real estate transaction.My husband and I are moving back to Maryland from Florida so most everything was done by e-mail, phone, text and electronic signature. I was introduced to Mike by our realtor when I was first in Maryland searching for a home. Mike made me feel as if ...read full review
5.0
5.0 Survey completed on January 28, 2015
Reviewed By danitzajwilliams for Michael Davidson
Completed transaction in January 2015
Both my husband and I truly appreciate everything that Mike Davidson and the Embrace home loans team did for my family on securing our loan to our first home. Both he and his team were very pleasant, prompt, professional, and courteous, as well as kind which made all of the difference in our interactions with you. Mr. Davidson was patient and thorough answered all of my questions and concerns. I would definitely recommend him to any of my friends and family. Thank you sooo much for all your help.Both my husband and I truly appreciate everything that Mike Davidson and the Embrace home loans team did for my family on securing our loan to our first home. Both he and his team were very pleasant, prompt, professional, and courteous, as well as ki ...read full review
5.0
5.0 Survey completed on November 26, 2014
Reviewed By zuser20140510085636469 for Michael Davidson
Completed transaction in November 2014
Originally I was fearful of pursuing a home loan due to the number of horror stories I'd heard from others when it came to the financing. I'm pleased to say that choosing Embrace Home Loans was the best decision ever. Throughout the process I was always aware of the underwriters requests and follow up was efficient and immediate. The team always made sure I was comfortable and that I had a clear understanding of all of the many documents I was signing, which kept my stress level very low. I would definitely use Embrace again and recommend this organization to anyone interested in purchasing a home. With this loan company you feel like family and not just a business transaction. Takes a special type of company to accomplish this! Thanks Michael and Team. :)Originally I was fearful of pursuing a home loan due to the number of horror stories I'd heard from others when it came to the financing. I'm pleased to say that choosing Embrace Home Loans was the best decision ever. Throughout the process I was a ...read full review
5.0
5.0 Survey completed on November 21, 2014
Reviewed By smccarroll3 for Michael Davidson
Completed transaction in November 2014
Used Mike's services from pre-approval, commitment, all the way to note signing. He was very helpful and made time to ensure all my answers were questions. He continuously brought to my attention the key pieces of information I needed to know, that comes with being so experienced in the field. Everything combined, Mike's service made my first-time home-buying much easier, especially due to how quickly we closed.Used Mike's services from pre-approval, commitment, all the way to note signing. He was very helpful and made time to ensure all my answers were questions. He continuously brought to my attention the key pieces of information I needed to know, that ...read full review
5.0
5.0 Survey completed on November 3, 2014
Reviewed By michael0567 for Michael Davidson
Completed transaction in November 2014
Michael was fantastic to work with. He helped my wife and I every step of the process, explained everything is terms I could understand, and was very easy to get ahold of with any questions I had. Michael is a true professional and I highly recommend him.Michael was fantastic to work with. He helped my wife and I every step of the process, explained everything is terms I could understand, and was very easy to get ahold of with any questions I had. Michael is a true professional and I highly recomme ...read full review
5.0
5.0 Survey completed on October 2, 2014
Reviewed By user6723449 for Michael Davidson
Completed transaction in October 2014
Mike and his team were very helpful and worked with me over many months until I was ready to purchase, definitely would use again and recommend to others. I got a good rate and communication from Mike and his associates was constant and thorough.
5.0
5.0 Survey completed on September 22, 2014
Reviewed By user707978 for Michael Davidson
Completed transaction in September 2014
Great experience in working with our Mike Davison for our first time home buying in Maryland. We switched from another lender to Mike, not because his rate was lower, but because he could make complex things beautifully clear, and always being honest with the customer. Highly recommended.Great experience in working with our Mike Davison for our first time home buying in Maryland. We switched from another lender to Mike, not because his rate was lower, but because he could make complex things beautifully clear, and always being honest ...read full review
5.0
5.0 Survey completed on September 3, 2014
Reviewed By tahleamcneil for Michael Davidson
Completed transaction in September 2014
Mike Davidson is a wonderful lender. I encountered a difficult condo loan but with his hard dedication and assistants they were able to get the loan closed on time. I couldn't have asked for the perfect lender. I appreciate Mike Davidson. He helped me get into my dream home whereas other lenders turned me down. Please choice Embrace Home Loans to service your loan. One will not be disappointed.Mike Davidson is a wonderful lender. I encountered a difficult condo loan but with his hard dedication and assistants they were able to get the loan closed on time. I couldn't have asked for the perfect lender. I appreciate Mike Davidson. He helped m ...read full review
5.0
5.0 Survey completed on August 22, 2014
Reviewed By kwon518 for Michael Davidson
Completed transaction in August 2014
We highly recommend Michael Davidson. We were first time home buyer's and knew nothing about buying a home. Mike took the time to answer all of our questions and concerns we may have had. He is highly experienced and knowledgeable. He used that knowledge to make sure we got our loan. So many things can happen while purchasing a home and Mike kept on top of everything. I am a very need to know everything and like things done right away kind of person. Mike was very patient and was very prompt, which kept me at ease. We had a little hiccup with the way my husband was paid. My husband is paid by hand written checks and these days you need proof of everything. Mike used his experience and knowledge to make sure we were well prepared for all of this and made everything go smoothly. We definitely will be using Mike again on our next purchase. We also got a excellent interest rate and great help from the lender for closing cost!We highly recommend Michael Davidson. We were first time home buyer's and knew nothing about buying a home. Mike took the time to answer all of our questions and concerns we may have had. He is highly experienced and knowledgeable. He used that kn ...read full review
5.0
5.0 Survey completed on August 18, 2014
Reviewed By mkaye99 for Michael Davidson
Completed transaction in August 2014
Choosing to work with Michael Davidson on the purchase of our new home was one of the best decisions my wife and I could have made. It was truly a pleasure to work with Michael. He was always available and approachable. He always provided immediate responses to any questions or concerns that we had and he took the time to explain everything from start to finish. I highly recommend Michael. He has a great team and he is a true professional.Choosing to work with Michael Davidson on the purchase of our new home was one of the best decisions my wife and I could have made. It was truly a pleasure to work with Michael. He was always available and approachable. He always provided immediat ...read full review
5.0
5.0 Survey completed on July 7, 2014
Reviewed By kevwebber for Michael Davidson
Completed transaction in July 2014
Mike kept open lines of communication with me throughout the process. He seemed to know his business! I would recommend Mike to others looking to purchase a home.
5.0
5.0 Survey completed on June 20, 2014
Reviewed By user4484808 for Michael Davidson
Completed transaction in June 2014
We found Mike via a recommendation from a friend. Throughout the entire process he was beyond responsive and helpful - available to answer questions and provide insight at all times. During the end stages, we encountered a hiccup with the sale (through no fault of Mike or the mortgage company) and Mike went above and beyond to try and figure it out - going so far as to call our Realtor to brainstorm about possible solutions. I would wholeheartedly recommend him and his company!We found Mike via a recommendation from a friend. Throughout the entire process he was beyond responsive and helpful - available to answer questions and provide insight at all times. During the end stages, we encountered a hiccup with the sale (throu ...read full review
5.0
5.0 Survey completed on May 15, 2014
Reviewed By cdesaidds for Michael Davidson
Completed transaction in May 2014
I was lucky to have been introduced to Mike. He made the loan process very easy and quick. He guided me properly and answered all my questions satisfactorily. I highly recommend Michael Davidson from Embrace Home loans. thanks Mike.
5.0
5.0 Survey completed on May 1, 2014
Reviewed By artip1 for Michael Davidson
Completed transaction in May 2014
It was lovely working with Mike! He was so helpful throughout the process of refinancing my loan. His attention to detail is very impressive, he was patient, knowledgable, and was always available when I had questions or concerns. I would most definitely recommend Mike to my family and friends!It was lovely working with Mike! He was so helpful throughout the process of refinancing my loan. His attention to detail is very impressive, he was patient, knowledgable, and was always available when I had questions or concerns. I would most defini ...read full review
5.0
5.0 Survey completed on April 30, 2014
Reviewed By pspence1 for Michael Davidson
Completed transaction in April 2014
My wife and I have been trying to refinance our home since HARP first came out. We meet all the conditions, but had no luck at all. Our goal was to lower our interest rate and reduce the term of the loan (15 vs 30). Our interest rate at the time was 6.75%.

1st attempt, we were denied because our home was too far underwater.

2nd attempt, banks (we applied too) stated they only did refi under HARP for their current customers. Our provider (Nationwide) wanted to drop our rate to 5% (while the going interest rate at the time was lower that 3%); and would not allow us to take on a 15 yrs. term. They wanted us to start over with another 30 yrs. term mortgage (we had 22 years left on original mortgage).

3rd attempt, banks declined us at the last minute (days before closing) because our PMI was being paid monthly by our lender vs annually. This did not make any sense to us, since insurance and taxes (placed in escrow) are paid annually and not monthly by the lenders.

As we started to give up, we came across a review on Zillow, where someone (in same situation as us with PMI) wrote a nice review on Mike Davidson from Embrace. They stated that Mike got them pass the LPMI issue and was successful in doing a refinance meeting their goal/objectives.

I contacted Mike on 3/29/14 and we successfully closed on 4/25/14. With the refinance, we:

1. Dropped our rate from 6.75% to 3.75%
2. Was successful in getting a 15 year term instead of 30. (This was big for us, because under our previous provider we had 22 years left. By getting the 15 year team, we knock off 7 extra years of payment!!!!!!).
3. Lower our monthly payment.

To sum up our experience....when all others said no…..Mike said yes. Thank you Mike!!!!!!

I have to also acknowledge his wonderful team: Angela Lare and Shari Rothman
My wife and I have been trying to refinance our home since HARP first came out. We meet all the conditions, but had no luck at all. Our goal was to lower our interest rate and reduce the term of the loan (15 vs 30). Our interest rate at the time w ...read full review
5.0
5.0 Survey completed on April 28, 2014
Reviewed By DougBaillie for Michael Davidson
Completed transaction in April 2014
I had to terminate another broker for attempting to exploit my urgent need to obtain a mortgage and settle on a house within two weeks. A friend, whom had used Mike before, suggested I contact him for assistance. Mike returned my call while driving with his wife to Boston. He didn't make any promises, but he was optimistic that we'd be able to reach settlement by April 30th. While driving he entered my application for a loan and communicated my needs to his staff. The very next day a flurry of email requests for documentation, signatures request, etc, , were exchanged between the staff and myself. By the end of the day my loan was in underwriting. My loan was approved within a couple of days and I settled on my house on April 28th.

I cannot say enough for Mike and his staff at Embrace Home Loans. They were amazing. I'm not sure I've been served better by any other businesses I have dealt with over the years. Kudos to Embrace !!
I had to terminate another broker for attempting to exploit my urgent need to obtain a mortgage and settle on a house within two weeks. A friend, whom had used Mike before, suggested I contact him for assistance. Mike returned my call while dr ...read full review
5.0
5.0 Survey completed on March 16, 2014
Reviewed By user6203263 for Michael Davidson
Completed transaction in March 2014
If you could describe a person who embodies a great professionalism ,Mike definitely falls to this category. He not only knows numbers and figures but he has a good vibe that draws people around him. He always wears a smile that initiates good rapport to his clients. He's knowledgeable about his work and gives pieces of advise which help the client on what to decide on how to handle certain concerns. He never fails to update his clients whenever there are changes in the application process. Kudos to him.If you could describe a person who embodies a great professionalism ,Mike definitely falls to this category. He not only knows numbers and figures but he has a good vibe that draws people around him. He always wears a smile that initiates good rappo ...read full review
5.0
5.0 Survey completed on March 9, 2014
Reviewed By cardfaninmd for Michael Davidson
Completed transaction in March 2014
Mike was very positive and helpful throughout the process of selling our investment home and purchasing a new one via a 1031 Strycker/like-kind exchange. He worked with our son (a first time home buyer) as well as part of this overall transaction.
5.0
5.0 Survey completed on March 6, 2014
Reviewed By user431377 for Michael Davidson
Completed transaction in March 2014
We live in Maryland but were looking to purchase a second home in California. Since Mike is also licensed in California (based in MD), he was able to help us out. I have had many home loans before but was new to second home loan financing and also the short sale process. What we value most about Mike is his advice about how to approach the loan process and what you can do to make the process easier. In our case, we had been retired and still living in Maryland but at the same time looking to eventually make our way back to Sacramento. Mike made a couple of suggestions and we followed his advice. We are now working with Mike on our second closing in less than two months. And when we finally make it back to Sacramento, there is a third closing in Mike's future!

If you want a professional who will be responsive, call you back, return your emails and generally make the whole process as easy as he can, and provide some advice and guidance throughout the process, then do yourself and work with Mike on your loan.
We live in Maryland but were looking to purchase a second home in California. Since Mike is also licensed in California (based in MD), he was able to help us out. I have had many home loans before but was new to second home loan financing and also ...read full review
5.0
5.0 Survey completed on February 10, 2014
Reviewed By amberbubba32 for Michael Davidson
Completed transaction in February 2014
I was a first time home buyer with no clue as to what i was doing. Previously i had gone to two other lenders none of which answered my calls or followed through with my loan applications. Then someone told me about Michael Davidson. Michael answered every question imeadetly and explained in language i understood. He was there every step of the way and because of that i went from feeling like i wanted to quit the whole process to a knowledgeable and over the moon happy new homeownerI was a first time home buyer with no clue as to what i was doing. Previously i had gone to two other lenders none of which answered my calls or followed through with my loan applications. Then someone told me about Michael Davidson. Michael answere ...read full review
5.0
5.0 Survey completed on January 15, 2014
Reviewed By user5497792 for Michael Davidson
Completed transaction in January 2014
Working with Michael for my loan package was absolutely wonderful. The entire process on his end, from the first conversation to final approval, was done in almost a week and a half. Throughout the entire process, he was right there answering questions, and working to make sure we got the best loan possible. The lines of communication were wide open, and I conversed daily with Michael about the loan status. Through Michael's hard work, we were able to go to closing with ZERO cash, and settle in under a month from our offer date. Michael took what I expected to me be a stressful, tedious, and long process, and made it quick, convenient, and painless. I would not hesitate for one moment to recommend Michael.Working with Michael for my loan package was absolutely wonderful. The entire process on his end, from the first conversation to final approval, was done in almost a week and a half. Throughout the entire process, he was right there answering quest ...read full review
5.0
5.0 Survey completed on January 5, 2014
Reviewed By redranger4 for Michael Davidson
Completed transaction in January 2014
Mike Davidson is without a doubt a highly competent, professional and amiable senior mortgage expert. His attention to detail is impressive and the fact that he is highly accurate with his Good Faith Mortgage Estimates is also notable. It is one thing to provide excellent customer service and it quite another to treat all clients with respect despite one economic abilities, this is in fact where Mike’s moral compass serves him incredibly well.Mike Davidson is without a doubt a highly competent, professional and amiable senior mortgage expert. His attention to detail is impressive and the fact that he is highly accurate with his Good Faith Mortgage Estimates is also notable. It is one thi ...read full review
5.0
5.0 Survey completed on January 3, 2014
Reviewed By DominicBailey for Michael Davidson
Completed transaction in January 2014
Very easy working with Mike. Extremely helpful and made my experience and enjoyable one. Thanks Mike - I will definitely recommend you to friends and family.
5.0
5.0 Survey completed on December 31, 2013
Reviewed By k9iko6192 for Michael Davidson
Completed transaction in December 2013
My past experience with loan officers is that they represent the barrier between you and the purchase of your new home / refinance. Mike is not your typical loan officer, as a matter of fact I have never known the first name if my 6 past lian officers I have dealt with in the past. Mike is responsive ( same day response), he is trustworthy, and does a great job at meeting his customers needs. In my case, I needed closing help assistance and Mike do and a to get me that assistance without charging points, or a higher interest rate. I would absolutely chose Mike again and plan to do so in the near future. He is a trustworthy guy in an industry that I have little confidence in based on the past mortgage crisis.
Mark Ross
My past experience with loan officers is that they represent the barrier between you and the purchase of your new home / refinance. Mike is not your typical loan officer, as a matter of fact I have never known the first name if my 6 past lian officer ...read full review
5.0
5.0 Survey completed on December 1, 2013
Reviewed By Unknown for Michael Davidson
Completed transaction in December 2013
Mike was very helpful thru the loan process, and was very easy to get in contact with at anytime of the day. He's very knowledgeable and great at what he does!!
5.0
5.0 Survey completed on November 30, 2013
Reviewed By rlsnmj for Michael Davidson
Completed transaction in November 2013
Mike was outstanding in our home loan financing process. He made being a first time Maryland VA loan home buyer less stressful than we had thought! He kept in close contact with us, even well after office hours (during a ball game even!) to follow-up with paperwork that needed to be finalized! It was truly a smooth home loan and financing process! Thank you so much Mike!
I have already recommended you to my friends that are pre-approving for a home!
Mike was outstanding in our home loan financing process. He made being a first time Maryland VA loan home buyer less stressful than we had thought! He kept in close contact with us, even well after office hours (during a ball game even!) to follow-up ...read full review
5.0
5.0 Survey completed on November 28, 2013
Reviewed By ravishankarnet for Michael Davidson
Completed transaction in November 2013
My experience had been nothing but wonderful. I wouldn't have bought the property that I wanted, if not for Mike's experienced guidance and timely help and follow through. He was instrumental in getting the loan processed and approved in record time.
5.0
5.0 Survey completed on November 27, 2013
Reviewed By combs2k6 for Michael Davidson
Completed transaction in November 2013
While purchasing a new construction home, we were planning to finance our home through the builder's finance department because of the incentives they were offering. However, three weeks from closing we discovered that our interest rate wasn't locked in and the finance department was not very responsive. Since Mike Davidson was able to refinance our previous home in a short time, I gave him a call. Even though this was very short notice, he was able to finance our home ( with a low rate), without us losing the incentives, and we closed two days early. Mike is very knowledgable and helpful. We really appreciate all that he has done to make the process quick and painless.While purchasing a new construction home, we were planning to finance our home through the builder's finance department because of the incentives they were offering. However, three weeks from closing we discovered that our interest rate wasn't lo ...read full review
5.0
5.0 Survey completed on November 27, 2013
Reviewed By wllie simmons956 for Michael Davidson
Completed transaction in November 2013
Mike was one of three loan officers recommended and considered by us when we purchased our home, and he was by far the most helpful, knowledgeable and honest lender we worked with and selected for our loan. In addition to being knowledgeable (and readily shares knowledge), honest and responsive, he has a great personality which makes him a pleasure to work with.Mike was one of three loan officers recommended and considered by us when we purchased our home, and he was by far the most helpful, knowledgeable and honest lender we worked with and selected for our loan. In addition to being knowledgeable (and re ...read full review
5.0
5.0 Survey completed on November 26, 2013
Reviewed By jabduljader for Michael Davidson
Completed transaction in November 2013
Michael is the lender that everybody want to have during the process of buying a house. I was the first time buyer and I was having problems understanding the process but Michael and his assistants help me and clear all my inquiries. I am happy with my loan, my rate and monthly payments.Michael is the lender that everybody want to have during the process of buying a house. I was the first time buyer and I was having problems understanding the process but Michael and his assistants help me and clear all my inquiries. I am happy with ...read full review
5.0
5.0 Survey completed on July 17, 2013
Reviewed By combs2k61 for Michael Davidson
Completed transaction in July 2013
I recently refinanced my home loan for a lower rate. Mike Davidson was very thorough and very personable. I was very pleased with the service provided. I will definitely refer Mike Davidson to all of my friends.
5.0
5.0 Survey completed on February 20, 2013
Reviewed By user8339750 for Michael Davidson
Completed transaction in February 2013
I being new to home buying, came across Mike thorugh a friend. From the first day of our discussion till the day of settlement, it was a very pleasant experience working with Mike Davidson of Embrace home loans. He knows his subject very well, thats the most important thing. He works for you and not against you, which is also very important. Anyone looking for help with home loans please go ahead and contact Mike...you will be very happy.I being new to home buying, came across Mike thorugh a friend. From the first day of our discussion till the day of settlement, it was a very pleasant experience working with Mike Davidson of Embrace home loans. He knows his subject very well, thats ...read full review
5.0
5.0 Survey completed on January 2, 2013
Reviewed By user2985128 for Michael Davidson
Completed transaction in January 2013
Mike actually referred us to his associate Adam Martucci given the state we live in. It has been a sincere pleasure to work with Adam and Embrace Home Loans. Very responsive, kept a close eye on our application, always reachable. We had an excellent experience!Mike actually referred us to his associate Adam Martucci given the state we live in. It has been a sincere pleasure to work with Adam and Embrace Home Loans. Very responsive, kept a close eye on our application, always reachable. We had an excellent ...read full review
5.0
5.0 Survey completed on December 28, 2012
Reviewed By user15676825 for Michael Davidson
Completed transaction in December 2012
We have used Michael for home purchase and refinancing several times also recommended him to friends.
5.0
5.0 Survey completed on October 11, 2012
Reviewed By adiomd for Michael Davidson
Completed transaction in October 2012
It was a great experience working with Mike! He was efficient and helpful in getting our home refinanced. I would definitely work with him again in the future. I highly recommend him!
5.0
5.0 Survey completed on October 4, 2012
Reviewed By user6482813 for Michael Davidson
Completed transaction in October 2012
Michael Davidson responded quickly to a phone message I left inquiring about a home mortgage refinance. He was professional yet friendly, very knowledgeable and is supported by staff members who are equally qualified. The process went smoothly and was completely painless! I will strongly recommend Mr. Davidson to my friends and colleagues.Michael Davidson responded quickly to a phone message I left inquiring about a home mortgage refinance. He was professional yet friendly, very knowledgeable and is supported by staff members who are equally qualified. The process went smoothly and ...read full review
5.0
5.0 Survey completed on May 28, 2012
Reviewed By Sergio Laguna for Michael Davidson
Completed transaction in May 2012
Michael was able to help me refinance my house thru HARP 2.0 program. He was the only one from 5 banks that knew how the program worked and didn't have a problem at all in helping me out. We closed in record time and was able to lower my rate. I'll recomend him to all my friends that need help with any financing needs with their home.Michael was able to help me refinance my house thru HARP 2.0 program. He was the only one from 5 banks that knew how the program worked and didn't have a problem at all in helping me out. We closed in record time and was able to lower my rate. I'll r ...read full review
5.0
5.0 Survey completed on May 23, 2012
Reviewed By Aris Ablis for Michael Davidson
Completed transaction in May 2012
What I thought would be a quest for me to refinance my home was made easier by Mike. My house is underwater and I am looking to refinance with the HARP program. Everything went smooth from start to close and loan was close in 18 days. I would definitely recommend Mike to all my friends. He is easy to work with and very honest during the course of my refinancing. I am really grateful that I made that call to Embrace home loan. Thank you very much Mike and I hope we will do more business in the future.What I thought would be a quest for me to refinance my home was made easier by Mike. My house is underwater and I am looking to refinance with the HARP program. Everything went smooth from start to close and loan was close in 18 days. I would definit ...read full review
 
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