Michael Sontos
Michael Sontos
Mortgage Loan Originator
NMLS #2691386
With 26 years of experience as a law enforcement officer, I built a career grounded in integrity, service, and a deep commitment to helping others. Throughout my time in uniform, my mission was always clear: to approach every situation with professionalism, compassion, and a drive to make things better.
After retiring from public service, I found a new purpose—helping individuals and families find a place to call home. I believe that homeownership is one of the most powerful ways to strengthen communities and build lasting stability. That belief led me into the mortgage industry, where I now use the same principles that guided my law enforcement career to serve my clients.
Today, I work closely with multiple national lenders to offer a wide range of loan programs tailored to each client’s unique needs. By leveraging these relationships, I’m able to provide competitive rates, flexible solutions, and options that go far beyond a one-size-fits-all approach. Whether it’s conventional, FHA, VA, or specialized financing, I take pride in helping clients find the right path forward.
Having made Northeast Florida my home, I value the strong local connections I’ve built within the community. I pride myself on being accessible, responsive, and deeply rooted in the area I serve—ensuring my clients benefit not only from national lending resources but also from trusted local insight.
Whether you’re a first-time homebuyer, a seasoned investor, or somewhere in between, I bring a calm, focused approach to every transaction. My goal is to guide you confidently through the process, helping you make informed decisions and achieve your real estate goals with clarity and confidence.
Your home is more than just a property—it’s your foundation, your future, and your peace of mind. I’m here to help you find it.