Mortgage Broker Serving Michigan and Florida's Gulf Coast
I'm Mike Maiorano, a mortgage broker (NMLS #2033984) and the person behind Bestrate Mortgage (NMLS #1852295), based in Venice, Florida and lending in Michigan, Florida and 10 other states. As a broker, I shop multiple lenders instead of selling you the one product a bank happens to have.
My story
I got into this business in 2019 because I saw a chance to help people through one of the biggest financial decisions they'll ever make — and because I like the mix of finance, problem-solving, and working directly with people.
I split my time between Michigan and Florida, and I lend in both. My business is especially active in Southeast Michigan — Macomb County, St. Clair Shores and the Grosse Pointe area — as well as Northern Michigan around Petoskey and Harbor Springs, and along Florida's Gulf Coast in Venice, Sarasota County and the surrounding communities. I'm licensed in 12 states, so if you're moving between them, you don't have to start over with a new lender.
I've worked with first-time buyers, self-employed borrowers, commission earners, investors, second-home buyers, and plenty of files that didn't fit in a box. Some of the transactions I'm proudest of are the difficult ones — purchases closed in as little as 7 to 10 days while juggling appraisals, insurance, HOA documentation, surveys and complicated income.
What I care most about is being reachable. Borrowers and Realtors should be able to get a real person who knows the file and can give them a straight answer — not three voicemails and a callback tomorrow. I'll tell you when a loan, a strategy, or a house isn't the right fit, even when it costs me the deal. My goal isn't to close a mortgage. It's to earn enough trust that you call me again and send me your family and friends.
How I work
Advisor, not salesperson
I don't sell rate. I lay out your down payment, closing costs, real monthly payment, and escrows clearly and simply, so you know exactly what you're getting into before you commit.
Baby steps
This process can feel overwhelming, and that's normal. We take it one step at a time, go over everything as many times as you need, and there's no such thing as a dumb question.
A lender for life
My clients become clients for life. Whether it's your next home, an investment property, or a refinance down the road, I'm here for all of it — before, during, and long after closing.
Let's talk — no cost, no pressure
You don't need perfect credit or a big pile of savings to start. The best thing you can do is have a conversation and build a roadmap — whether you're ready now or a year from now. There's no charge and no obligation.
Outside of work
You'll find me with my family or on a golf course, somewhere between Michigan and Florida.
Frequently Asked
Questions people ask about Mike.
Who is Mike Maiorano?
Mike Maiorano is a mortgage broker (NMLS #2033984) and the person behind Bestrate Mortgage (NMLS #1852295), based in Venice, Florida. He has been in the mortgage business since 2019 and lends in Michigan, Florida and 10 other states.
Where is Mike Maiorano licensed?
Mike Maiorano is licensed in 12 states: California, Colorado, Florida, Idaho, Michigan, Missouri, Nebraska, Ohio, Oregon, Tennessee, Texas and Utah. His license can be verified on NMLS Consumer Access under NMLS #2033984.
What areas does Mike Maiorano serve most?
Mike Maiorano's business is especially active in Southeast Michigan (Macomb County, St. Clair Shores and the Grosse Pointe area), Northern Michigan around Petoskey and Harbor Springs, and Florida's Gulf Coast in Venice and Sarasota County.
Is Mike Maiorano a broker or a bank lender?
Mike Maiorano is a mortgage broker, so he can shop multiple lenders for a borrower instead of offering only one bank's products.
Who does Mike Maiorano work with?
Mike Maiorano works with first-time buyers, self-employed borrowers, commission earners, investors, second-home buyers and borrowers whose files don't fit a standard box.
How do I get started with Mike Maiorano?
You can book a call with Mike Maiorano or take the quick quiz on the Bestrate Mortgage website. There's no charge and no obligation to start the conversation.