With over 30 years of experience, Mike and his dedicated team have helped thousands of clients achieve the American Dream of homeownership. When you work with Mike, you can expect a personalized approach where all your questions are answered and your options are clearly outlined, empowering you to make informed decisions with confidence.  
Whether you're a first-time homebuyer, looking to refinance, or a seasoned buyer seeking to move up, downsize, or invest in a vacation property, Mike's team is here to guide you every step of the way.  
Mike holds a BS Degree in Finance from the University of Maryland College Park and combines his financial expertise with a genuine passion for helping clients achieve their homeownership goals. Outside of work, Mike and his wife Bernice enjoy spending time with their sons Michael and Ryan, traveling, boating, golfing, and hosting family gatherings at their vacation home in Ocean City, MD.

SVP of Mortgage Lending

Mike Fagan is your Ellicott City 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 (410) 409-4947 for more information!

Mike Fagan at Guaranteed Rate Affinity (NMLS #182530)

With over 12 years of experience as a Mortgage Loan Officer, I'm passionate about guiding clients through one of the biggest financial decisions of their lives. My focus has always been on exceptional customer service—taking the time to listen, understand, and create a smooth, stress-free lending experience.


I am licensed in Maryland and Pennsylvania, and well-versed in a wide range of loan products, including FHA, VA, Conventional, USDA, Non-QM, and first-time homebuyer programs. This diverse expertise allows me to match each client with the right financing solution for their unique needs.


Whether you're purchasing your first home, upgrading to your dream home, or refinancing, my goal is to make the process simple, transparent, and tailored to you.

VP of Mortgage Lending

Tom Barclay is your Ellicott City  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Tom is committed to helping homeowners with home purchase loans and refinances. Contact Tom at (973) 668-8485 for more information!

Tom Barclay at Guaranteed Rate Affinity (NMLS #1086324)

Ellicott City

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2 Loan Officers Ellicott City, MD