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About me

Michael Biales is a Senior Mortgage Banker with over 15 years of experience in the finance industry. Prior to joining the mortgage industry, he spent five years of his career on the commercial lending side of the business. Michael graduated from the University of Missouri – Columbia with a B.S. in Business Administration and an emphasis in Finance, Banking, and Real Estate.

Growing up, Michael frequently helped his dad with various home renovation projects and as a result isn’t afraid to get his hands dirty. When it came time to purchase his first home, Michael bought a charming fixer-upper in University City and currently resides there with his wife (Melissa), son (Gibson), and daughter (Parker). Michael has also lived in four states and five cities across the U.S., and as such, understands the stresses involved in purchasing a home and moving. It is because of his experiences that he treats every client like family.

Michael has been certified as a Mortgage Planning Specialist and currently holds the Real Estate Collaboration Specialist-Divorce designation. As such, Michael has a complex understanding of how different mortgage strategies impact all aspects of his clients’ financial wellbeing. He uses his knowledge and expertise to educate his clients because he believes that their mortgage is not only a debt, but a valuable tool to help them achieve their personal and financial goals. Honesty, integrity and excellent communication throughout the loan process are the reasons that his clients and referral partners trust Michael.

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We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Testimonials

Testimonials
4.94 out of 5.0 stars
4.93
5.0
Chandni
Aug 05, 2024
Saint Charles, MO
Verified

Michael is fantastic. He was able to explain everything in detail and shared his expertise and creativity to help get our interest down. He is also a great problem solver.
Danyell
Jun 21, 2023
Verified

As a first time home-buyer, Michael made the process SO smooth and enjoyable! He is knowledgeable, personable, supportive, and just a great person to work with! He took the time to call me regularly with updates, to have a real conversation to find out about my wants and needs in a home, to answer any questions I had, and to give me information that I needed. He made the process of buying my first place so smooth! He made a point of being present at my closing. I didn't know how big of a deal that was until we were there. The level of care and security I felt working with Michael was amazing! I always heard about the "scary" tales of buying and closing on a home, but my experience working with Michael was the total opposite. I was comfortable, assured, supported and I genuinely felt like Michael had my best interest at heart every step of the way. I never felt overwhelmed, alone, or unsupported. I'm thrilled to be able to say in all honesty that my first time buying a home was a pleasant experience. Thank you so much Michael for making it easy! You were a blessing!
Thomas
Mar 10, 2025
O Fallon, MO
Verified

Michael and his team were quick to communicate and answered the questrions we had. Jordan and Angel were efficient and always checking to see if we had questions.
Dustin C
Mar 11, 2025
Verified

I am beyond pleased with my first time home buying experience. A part of me is sad the process is over. That’s how well Guild Mortgage and Micheal Biales treated my wife and I during this process.
Dustin
Mar 10, 2025
Fenton, MO
Verified

Guild Mortgage and Michael Biales made the daunting tasks of buying our first home a pleasent experience. At every step the team was on point and kept constant communication letting us know exactly what was needed and what to expect . As a first time home buyer and knowing how hectic the process could have been it was a refreshing experience and pleasure to work with Guild Mortgage, Michael and team to secure the mortgage to our beautiful first home!
Trudy
Mar 10, 2025
O Fallon, MO
Verified

Nice working with you!

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #770504
I am authorized to do business in the states of Illinois, Kansas, Missouri and Tennessee. (www.nmlsconsumeraccess.org/);