Michael Owens, Loan Officer
Let's cut through the complexity together, with straight answers, options built around your situation, and one trusted guide from start to finish.
Start here
Answer a few quick questions and Michael will walk you through the loan options that fit your situation. It takes about a minute and does not affect your credit.
Already own?
Tell us a little about your current mortgage and your goals, and we will lay out what refinancing could look like for you.
How it works
Answer a few questions online or over the phone. No credit pull, no obligation.
Michael compares loan options from wholesale lenders and walks you through a prequalification, so you know where you stand.
When you are ready, complete your application and Michael guides you from start to finish. One trusted guide, no handoffs.
Meet your loan officer
Michael Owens is a loan officer with Integrity Home Lending, LLC who works with homebuyers across the greater Charlotte area, focusing on purchases, first-time buyers, VA loans, and self-employed borrowers. He takes particular pride in serving veterans, and helping them put their VA benefits to work is some of the most rewarding work he does.
Clients are often surprised by how easy Michael makes the process. He explains everything in detail so nothing comes as a surprise, and borrowers consistently point to his service, accessibility, and product knowledge as the reasons they trust him with their loan.
A Charlotte-area native, Michael is devoted to his growing family. When he is not working, you will find him on the golf course, playing guitar, traveling, or watching sports, and he is a loyal Pittsburgh Steelers fan. A trip to Australia sits at the top of his bucket list.
FAQ
Here are answers to what borrowers ask most. Still not sure? Reach out and Michael is happy to help.
Integrity Home Lending, LLC is a licensed mortgage lender and broker. Instead of offering one bank's products, we shop your scenario across our network of wholesale lenders and present the options that fit. You work with one guide from start to finish.
A prequalification is an early review of the information you share with us, used to outline the price range and loan options that may fit your situation. It is not a loan approval or a commitment to lend. Full approval happens later, after a complete application and underwriting review.
No. The questions on this page do not involve a credit check. A credit review only happens later in the process, with your permission.
Typically pay stubs, W-2s or tax returns, bank statements, and identification. Michael will give you a simple checklist based on your situation, and self employed borrowers may have a few additional items.
Timelines vary by transaction and lender, and many purchases close within about 30 days of going under contract. Michael will set expectations for your specific scenario up front.
Get in touch
Have a question or want to talk through your options? Call, text, or email any time.
NMLS #2412324 | Michael Owens, NMLS #90797
Integrity Home Lending, LLC is a licensed mortgage lender and broker. This page is for informational purposes only and is not a commitment to lend, a loan approval, or an offer of specific rates or terms. Not all applicants will qualify. Programs, terms, and conditions are subject to change without notice.
Verify our licensing at www.nmlsconsumeraccess.org.
Michael Owens, Loan Officer
Integrity Home Lending, LLC
704-502-2442
Mowens@ih-lending.com
