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Michael Biales
RCS-D l Producing Branch Manager
NMLS# 770504
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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Testimonials
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.
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!
This is my third home purchase working with Michael. He's great!
We were recommended Michael and his team by our realtor and could not have been happier with our selection. Michael was easy to work with, had a great communication cadence with us so we always felt we knew where we were in our process and he was very informative for first time home buyers. We'll recommend him to any of our colleagues and friends that are interested in purchasing a home in the St. Louis area.
Michael did a fantastic job communicating with me during the transaction. I greatly appreciated this fact as the listing agent especially when the buyers agent was not providing updates. Even more so when the buyers title company was missing deadlines and not providing timely information, Michael stepped in and was getting updates for all parties. His communication was above and beyond in a deal that I think we were both beyond ready to get to closing day! Thanks so much to him for his extra effort and the work he did to make this happen.
I have a Guild Mortgagte Lender already Paul Turin
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