Michael Lutz

VP of Mortgage Lending
12651 S. Dixie Hwy Suites 101 & 102
Miami, FL 33156
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NMLS: 1025518
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Mike is an outstanding human being and mortgage broker. I can say without hesitation that if it weren't for him, I would not be a homeowner now! It would be with great honor and without hesitation that I would promote, refer, and recommend him.

Scott S. - Miami Beach, FL

Michael was very helpful, patient, and reachable. He was also flexible and accomodating to my very demanding job. He was also very professional. It was a pleasure dealing with Michael and I am very grateful for all he did to help me buy my new place.

Sandra V - Miami, FL

I can testify Michael Lutz and his colleagues Melissa Dubuc, Jennifer Rosen and the rest of the team involved in handling my mortgage loan, gave me a excellent and very professional service, they were very knowledgeable and courteous, and I can say extremely patient reviewing and explaining each step along the process, this being my first time purchasing a house, made all easier to understand and run smooth during all the stages. I highly recommend Guaranteed Rate Affinity to others and due to...

Francisco R. - Cutler Bay, FL

About Michael

Michael knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation in order to recommend the most appropriate mortgage solutions. Guaranteed Rate Affinity offers a full range of loan products and programs to fit specific financing needs, and he makes sure to have a thorough understanding of each. Michael’s first objective is to help clients make the best choice, but that is just one aspect of his elite service. He works with homebuyers throughout the mortgage process as a consultant and guide, directing the activities of a dedicated team that includes loan assistants, processors, underwriters and closing specialists. Michael also coordinates with real estate agents and other industry professionals to ensure that the transaction closes as quickly and smoothly as possible.

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