About Mike Brustad
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.
