Helping Veterans, first-time homebuyers, and self employed borrowers in the Florida Panhandle buy homes with confidence, without the stress.


Hi, I'm Mike Brustad, a mortgage loan officer based in Pensacola, FL, helping clients navigate the home financing process with clarity and confidence for 24 years and 2,500 families served.


I specialize in working with first-time homebuyers, Veterans, and self employed borrowers across Florida Panhandle, Pensacola, Gulf Breeze, Pace, Milton, Fort Walton Beach, Crestview, Navarre, Destin, Miramar Beach, Daphne, Foley, Orange Beach, and Mobile, offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like VA, FHA, Conventional, Non-QM, Down Payment Assistance programs, or Renovation  
- Facing a complex deal or have unique income  
I'll walk you through your options and help you choose the right strategy—not just the easiest one.


What sets me apart:  
- Great customer service and communication.  
- My communication and ease of closing the low. It's not unusual to hear this is the easiest mortgage process they ever had  
- I'm always available by phone and return calls promptly and make sure customers always have a clear understanding of the next step.


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.  
What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.  
How much home can you afford?  
That depends on your income, debt, and goals—I'll help you break it down clearly.


I've helped clients throughout the Florida Panhandle secure financing for homes ranging from all prices and property types and I'm proud to be a trusted resource for both buyers and local real estate agents. I am proud to have been a Presidents Club member at LoanDepot and Countrywide. I am Renovation and VA Certified.


Check out my client reviews below to see what it's like to work together. My Google, Zillow and internal reviews are outstanding.


I've been married for 36 years with 4 children. Have been in the panhandle of Florida for 21 years. Have a bachelors degree in Mathematics. I'm a proud member of the Pensacola Association of Realtors. I also facilitate with Pensacola Drum Circles.


I believe this business is about relationships—and being someone people can rely on long after closing.  
If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

VP of Mortgage Lending

Mike Brustad is your Pensacola local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Mike is committed to helping homeowners with home purchase loans and refinances. Contact Mike at (850) 329-1862 for more information!

Mike Brustad at Guaranteed Rate Affinity (NMLS #455554)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Branch Manager

Shane Gordon is your Pensacola local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Shane is committed to helping homeowners with home purchase loans and refinances. Contact Shane at (850) 816-1837 for more information!

Shane Gordon at Guaranteed Rate Affinity (NMLS #316963)

Pensacola

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2 Loan Officers Pensacola, FL