Michael Dresevic

Branch Manager

NMLS#1679669

En Español →

AZ, TX

English Only

Where do you stand right now?

Pick the situation that fits and I’ll point you in the right direction.

🏠

Buying my first home

"I don't know where to start or if I can even qualify."

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💰

I need help with the down payment

"I have income, but I haven't saved enough for the down payment."

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💼

I'm self-employed

"My tax returns don't show my real income. I need a lender who gets it."

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🎖️

I'm a veteran

"I served. Let's put my VA benefit to work."

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✅

I'm ready to apply

"I know what I want. Let's get moving."

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Don’t see your situation above? No problem. I’ve worked with just about every scenario, including refinances. Just give me a call:

(623) 282-5919

Here's Where I Specialize

“As a broker, I compare dozens of lenders to find what works for your situation. These are the three areas where I spend most of my time.”

VA Loans

Veterans and active military earned this benefit. $0 down, no monthly PMI, and competitive rates. I help you pull your Certificate of Eligibility and walk you through the full process. I've closed VA loans for first-time buyers, move-up buyers, and refinance clients.

Learn about VA loans →

Conventional Loans

The most common loan type for buyers with steady income and decent credit. Down payments start at 3%. I shop conventional loans across multiple lenders so you get the right combination of rate, fees, and terms for your file.

See conventional options →

FHA Loans

FHA opens the door for first-time buyers and people rebuilding credit. Lower credit thresholds, flexible debt-to-income ratios, and down payments as low as 3.5%. I'll walk you through every requirement.

Explore FHA loans →

These are my top three, but I work with the full range of loan programs available →

Here's How It Works

No surprises, no pressure. This is what the process actually looks like.

1

Tell me your situation

"We talk through your goals, your timeline, and your finances. No commitment. Just a conversation."

2

I review your options

"I shop your scenario across multiple lenders and bring back the best options with real numbers."

3

You choose the best fit

"You decide. I'll walk you through each option in plain English, without the pressure or the jargon."

4

We close - I'm with you

"From application to closing keys, I manage the process and stay reachable the whole way."

No commitment required. Just a conversation.

Run the Numbers Yourself

Use these free tools right here. No login, no forms, no sales calls.

Mortgage Payment Estimator

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Home Price ($)

Down Payment ($)

Down payment cannot exceed the home price.

Loan Amount ($)

Loan amount cannot exceed the home price.

Interest Rate (%)

Loan Term

Monthly Tax + Insurance (optional)

Estimated Monthly Payment

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This is an estimate only. Your actual payment may vary based on your loan type, credit profile, and lender. Contact Steve for an accurate quote.

Use the full mortgage calculators and tools →

How Much Can I Buy?

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Household Income — Pre-Tax

Include all borrowers who will be on the loan. Enter your combined pre-tax income.

Monthly Debt Payments ($)

Include car payments, student loans, credit card minimums, and any other monthly loan payments. Do not include household bills such as rent, utilities, phone, or insurance.

Down Payment ($)

Based on what you've entered, you may qualify for a home up to

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This is an estimate based on standard debt-to-income guidelines. Your actual buying power depends on your credit score, loan type, and lender. Talk to Steve for a real number.

Talk to Steve for a real number — (480) 329-3346 →

From the First-Time Homebuyer Guide

Know your real number before you shop

Understanding pre-approval vs. pre-qualification so you shop with confidence, not guesses.

Down payment assistance is more common than you think

Most buyers don't realize help exists in their state. This guide shows you what's available.

Closing costs are negotiable

Knowing what's negotiable before you make an offer can save you thousands.

“I put this guide together for first-time buyers I work with.”

— Michael Dresevic

Free PDF — No email required

Wondering What Rate You'd Qualify For?

Your rate depends on your credit score, loan type, and financial profile, not a national average. Let me show you what you actually qualify for.

Why I Do This Work

“My job is to make homeownership feel possible, simple, and stress-free, no matter where you’re starting from.”

I’m Michael Dresevic, Branch Manager at Lender Express, based in the Dallas-Fort Worth area.

Growing up, my mom never owned a home. We moved constantly. That experience shaped how I think about stability and what owning a home really means for a family.

I started my finance career while I was still in college, working at a local bank. After college I joined Chase. I enjoyed it, but I wanted more challenge and more impact. That’s when I moved into mortgage lending.

Buying a home is one of the biggest decisions most people ever make. It should not feel overwhelming. My job is to simplify the process, answer your questions in plain English, and remove the stress from every step.

I work with first-time buyers, repeat buyers, self-employed clients, veterans, and investors. I love finding creative solutions for people who think they cannot qualify. Most of the time they can.

As a broker, I shop your file across multiple lenders. You get more programs, better fit, and pricing that works for your situation. Not a one-size-fits-all product.

I live in Fort Worth with my wife and our son. Outside of work, I play flag football, take daily walks, and tackle DIY projects around the house. I bring that same hands-on energy into every client file.

Licensed in Arizona & Texas

NMLS#1679669

Since 2019

English Only

Virtual Statewide

Questions I Hear Most

Straight answers, no sales pitch. Browse the mortgage glossary for more definitions.

Understanding the Broker Model

What's the difference between a mortgage broker and a lender?

A lender offers only their own loan products. As a broker, I shop your loan across multiple lenders to find the best rate and terms for your specific situation. You get more options and a true comparison, not just whatever one institution happens to offer.

How do I know which loan program is right for me?

It starts with a 15-minute conversation. I'll ask about your income, credit, down payment, and goals. From there I match your situation to the programs that actually fit, not the ones that pay me the most. You'll get a recommendation in plain English.

Getting Started

What's the difference between being pre-qualified and pre-approved?

Pre-qualification is typically a verbal estimate based on information you provide over the phone or online. It's a starting point, not a commitment. Pre-approval is a thorough review of your actual income, credit, and assets, and it comes with a written letter you can present to sellers and agents. Sellers take pre-approval letters seriously. Pre-qualification, not so much. If you're serious about buying, pre-approval is where you want to be.

How long does it take to get pre-approved?

Most clients are pre-approved within 24 to 48 hours after submitting their documents. The quicker you can send pay stubs, W-2s, bank statements, and tax returns, the quicker we move.

What documents will I need to get started?

The basics: two months of pay stubs, two years of W-2s or tax returns, two months of bank statements, and a copy of your ID. If you're self-employed, I'll also need your business tax returns and a year-to-date P&L. I'll send you a clean checklist before our first call so you know exactly what to gather.

Credit and Qualification

How does my credit score affect my rate and loan options?

Your credit score affects both which programs you qualify for and what rate you'll be offered. A higher score generally means a lower rate and more options. But a lower score doesn't mean you're out. FHA loans, for example, allow scores as low as 580. I'll tell you exactly where you stand and what, if anything, is worth addressing before you apply.

Can I get pre-approved if I've had credit issues in the past?

Often yes. Bankruptcy, foreclosure, and short sales have waiting periods, but they're not permanent disqualifiers. Some Non-QM programs work with much shorter waiting periods. A short conversation is the fastest way to know where you actually stand.

Specialty Programs

I'm a first-time buyer. Where do I even start?

Start with a 15-minute call. I'll ask about your income, credit, savings, and goals. From there I tell you what programs fit, what your monthly payment looks like, and what to do next. No pressure. No commitment. Just clear information so you know where you stand.

I'm a veteran. How does the VA loan work?

VA loans are one of the strongest benefits earned through service. $0 down payment, no monthly PMI, and competitive rates. You'll need your Certificate of Eligibility, which I can help you pull. From there, the process looks a lot like a conventional loan with much better terms.

I'm self-employed. Can I still qualify?

Yes. Self-employed buyers have more options than most realize. Bank statement loans, P&L loans, and asset utilization programs use real-world income instead of tax return income. I'll help you find the program that matches how you actually earn.

How does down payment assistance work?

Down payment assistance comes in several forms. Some are grants you never pay back. Some are second mortgages with low or deferred payments. Some are forgivable after you live in the home for a certain number of years. I match you to the right program based on your income, location, and the loan you qualify for.

Working with Michael Dresevic

What can I expect on our first call?

A real conversation. About 20 minutes. I ask about your goals. You ask about loans. I tell you straight what fits, what doesn't, and what the numbers look like. No pitch. No pressure. You leave the call with a clear next step.

You work virtually. How does that work in practice?

I serve clients across Arizona and Texas remotely. Phone, text, email, video call. Whatever works for you. Documents move through secure links. You never need to come into an office. I'm fully reachable from application to closing day.

Are you available outside business hours?

Yes. Buying a home does not stop at 5 p.m. Text or call. I'll get back to you as quickly as I can, including evenings and weekends when you're working an offer.

Licensing

Michael Dresevic
NMLS#1679669.

Verify licensing at www.nmlsconsumeraccess.org.

State Mortgage Loan Originator Licenses

AZ LO-1008567

TX 1679669