Michael Cancio at AnnieMac Home Mortgage Palm Coast Pkwy, Palm Coast

The BEST lender around. If you are looking for open communication and constant updates on your transactions you need to call Michael Cancio. I use him as 1 of my preferred lenders with all of my buyers and also link him with all of my listings! If you are an instant gratification person like I am...HE IS YOUR GUY!

Michael is the absolute best. When looking for a lender you need someone reliable, trustworthy, and knowledgeable about loan products. Michael delivers excellence is each category and more. Looking for a lender can be tricky and confusing, Michael takes all the stress out of lender shopping and is always there when you need him. As a Realtor Michael has helped get many home buyers I work with to the closing table and I would highly recommend him to anyone.

Michael Cancio was our loan originator when me and wife bought our first home. He spent countless hours dedicating to analyzing my budget and income and was able to tell me exactly how to raise my credit to qualify for the first time home buyers program. Michael was there every step of the way and was willing to go above and beyond no matter the obstacles. I also gained a wonderful friend and it wasn't just about business and money or numbers. I BEYOND recommend Michael Cancio if you are ready to buy a home whether it's your first, last or just right now. He exceeded all my expectations and did the damn thing!

Do you need to buy a house? Look no further. Call Michael now!! Let me tell you about my first home buying experience. I contacted Michael about my dream of becoming a home owner. First thing, let’s check the credit and my financial situation. Credit is good but we can always do better. Michael sets me up for success by telling me the exact balance to have on my credit cards with the goal of improving my credit score 20-30 points before closing. This will improve my interest rate, thus saving me money for years to come. Approximately 30 years to come. By the way, this is free. Yes FREE. Okay we have a game plan, I’m pre-approved and looking for my house. This journey has just begun, buckle up readers. I find the house I want and we are negotiating a price, this goes back and forth for about a week. It’s Sunday- we decided we are going to accept a counter-offer on Monday morning. The next day we get a notification, there was multiple offers placed that Monday morning, put your best offer in. Oh no!! I really want this house. I need an updated pre-approval because I want to offer a higher bid. Michael has is done, emailed, instantaneously. Offer was ACCEPTED. Now is the process of never ending paperwork. But never fear, Micheal Cancio is here. Questions throughout my process answered promptly via text, email, and phone call. He updated my credit 3 times through the process and got my credit up about 20 points in a month. TWENTY POINTS. This got my interest rate down. It went down almost an entire percent!! Okay it’s Monday, three days before I close on my first ever home. Sleepless nights are normal, can’t stop planning and adding things to my online shopping cart. I get a phone call. Seems I’m on my parents deed at their house and this has altered my debt to income, I’m NOT APPROVED anymore. AHHH!! Micheal calls me up, don’t worry Paul. I have a friend at Blue Ocean Title. We can do a quit deed claim and get that recorded and be back on track. Michael gets me in the next morning and I even got a discount! Why? Because Michael is your guy. Today is Friday. Tonight I’m sleeping in my house for the first time. I will continue to use Michael for credit advice and a huge thank you for your professionalism.

Michael is in a league all of his own! Michael holds a certification that less than one percent of all mortgage lenders hold. Michael is dedicated to helping everyone no matter their situation. Michael is also a strong supporter of first responders and veterans.

I couldn't be happier with the assistance I received from Michael for our refinance. I have had bad experiences before when refinancing but this was a totally different experience. Michael answered all of my questions, contacted me regularly, and walked me through the process of our refinance. I could reach him when I had questions and he always returned my calls promptly. He is professional and courteous. He made this process so easy and I highly recommend working with him.

I have had the pleasure of knowing and working with Michael for well over a decade and can say firsthand, he has a great work ethic and lives by the motto of transparency and over delivering for his clients. If you have a chance to work with him, he will not steer you wrong and goes above and beyond in helping a client's future financial plans than your average mortgage broker!

Michael personally helped out one of my friends dream come true, being a home owner. My friend has been working hard for year and because of stupid mistakes in the past his credit would not qualify for a loan. As a father for two my friend ask me if I knew someone who can help him. I referred him to Michael and with in 4 months George was a home owner. Through Michaels coaching he was able to gain 35 points to his credit and was able to buy a home for his family. I highly recommend Michael to anyone needing to qualify for a loan.

I've worked with Michael on numerous projects. I've always appreciated his knowledge, his strong work ethic, his confidence in the market and his role as a father. He's a stand up guy and if you get the chance you'll see why, also you need to try his wife's baking.

Buying a home can be very stressful.. Michael will listen to your goals and objectives and come up with a plan to fit your financial needs. He is very active in the community, a member of the local Chamber of Commerce, and a role model to other business leaders in Volusia County. When seeking a home loan, look no further than Michael Cancio and Annie Mac Home Mortgage.