Mike Hajjar, Mortgage Advisor and Branch Leader
Mike Hajjar is a mortgage advisor and branch leader with NEO Home Loans in Farmington Hills, Michigan (NMLS #382906). He has helped Michigan families with home financing since 2005, and specializes in self-employed lending, bank statement HELOCs, home loans for medical professionals, and reverse mortgages for retirement. He serves homeowners and buyers across Oakland County and the greater Detroit metro area.
Credentials at a Glance
- 21 years in the mortgage industry(since October 2005)
- NMLS #382906
- Certified Mortgage Planning Specialist (CMPS)
- Certified Liability Advisor
- First Home IQ Ambassador, teaching financial literacy to the next generation
- Mortgage Advisor and Branch Leader, NEO Home Loans powered by Better
What I Help Clients With
Self-employed mortgages. If your tax returns don't show what you really earn, I can help you qualify using bank statements, a profit and loss statement, or 1099 income.
Bank statement HELOCs. Business owners can tap their home equity using real deposits instead of tax returns, and keep a low first mortgage rate in place.
Medical professional home loans. Doctors, dentists, veterinarians, pharmacists, physician assistants, and other medical professionals can buy a home with little or no money down, even with student loan debt.
Reverse mortgages for retirement. For homeowners 62 and older, a reverse mortgage can be part of a plan to make retirement money last longer.
Buy before you sell. Move into your next home first, then sell the one you're in, so you only move once.
Investor and DSCR loans. Real estate investors can qualify based on a rental property's cash flow.
A Mortgage Is a Strategy, Not a Transaction
Your mortgage shouldn't just help you buy a home. It should support the life you're trying to build.
That's why I work with clients before, during, and after the loan. Before, we figure out what you're really trying to accomplish and what the tradeoffs are. During, I guide you through every step so nothing surprises you. After, I keep checking in, because your needs change and your mortgage should change with them.
I start every conversation with one question: "What does this decision give you today, and what might it take away tomorrow?"
And I hold myself to one standard. If doing the right thing costs me the deal, I lose the deal.
Closing day is the beginning of the relationship, not the end.
Why I Do This Work
I started in the mortgage business in October 2005. Over 21 years, I've seen markets rise, crash, and recover, and I've seen what happens when people get advice built around closing a deal instead of protecting the family on the other side of it.
I've also lived through financial hardship myself. In 2016, I lost almost everything I had built and had to rebuild from the ground up. That chapter changed how I work. I believe you are most qualified to help the person you used to be, so I take the time to understand where each client is and where they want to go.
Today, I help Michigan families make mortgage decisions that support their long-term goals, whether that's buying a first home, tapping equity to grow a business, or making retirement more secure.
Where I Serve
I work with clients across Oakland County and the greater Detroit metro area, including Farmington Hills, West Bloomfield, Birmingham, Bloomfield Hills, Novi, Troy, and Royal Oak.
Office: 31731 Northwestern Hwy, Suite 115E, Farmington Hills, MI 48334
What Clients Say
"As an entrepreneur, getting a HELOC isn't easy. Three other banks weren't able to make it work despite having the income, the credit, and the standing. Mike knew his product, knew the right avenues to take, and when one path got too complicated, he found another without ever losing sight of my best interests." Charnelle W., real estate broker · 5 stars on Google
"I went in looking for one thing, and he actually listened, asked what my goals were, and ended up recommending a HELOC that fit us a lot better and saved us from spending a lot more money." Hussein S., Dearborn Heights · 5 stars on Google
"I needed a no-doc loan, and they were able to find a program that actually worked for what I was trying to accomplish. As a business owner, I appreciated working with people who know what they're doing and do things the right way." Clark S., business owner · 5 stars on Google
"As a first-time homebuyer, I was nervous, but Mike is a brilliant mortgage strategist who is ridiculously knowledgeable. He took the time to educate me through every step of the process, which made my confidence go through the roof." John S., first-time buyer, Madison Heights · 5 stars on Google
"Personable, knowledgeable, never pushy. Instead of just handing me a number and saying take it or leave it, he walked me through how rates are actually figured out." Joseph F., homebuyer, Southgate · 5 stars on Google
Read Client Reviews Leave a Google Review
Recent Articles by Mike
- Why Can't I Get a HELOC With Excellent Credit and Lots of Equity?
- Denied for a Home Equity Loan by Your Bank? How the Self-Employed Qualify
- What Is a Jumbo Loan, and Do I Need One in Michigan?
Let's Talk About Your Goals
Book a 15-minute call. We'll look at where you are, where you want to go, and the options that fit. No pre-approval pressure. No credit pull for the first conversation.
Phone:
248-882-8333
Email:
mhajjar@better.com
Find me on:
LinkedIn
· YouTube
