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Michael Kidwell

Senior Loan Officer, NMLS# 704428

Bio

Mike’s approach to mortgage financing is to provide the borrower with the best program and lowest rate for their specific need. Because Mike’s number one priority is making the borrower comfortable with their decision, he will provide several scenarios with a detailed explanation of each one. He explains the process and will guide the borrower from application through closing. Mike has been writing mortgages since 1998 and was awarded the #1 originator of Massachusetts Housing for 2017 by Scotsman Guide. Mike was the number #1 Account Executive at his former company from 2002-2007. Mike brings with him lots of experience and expertise to make the mortgage process a smooth and pleasurable one. Mike makes himself available to his clients and business partners not only during the week, but on Saturdays and Sundays as well.

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Chairman's Club

 

President's Club

NMLS#
704428

Needham Loan Office
160 Gould Street, Suite 205
Needham, MA 02494

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Mike was great, he and his team were professional, worked in a timely fashion, and made the process really smooth and worry-free. I would definitely work with him and the future and already recommended him and my realtor to friends and acquaintances who might be looking to buy a home.

Dea, Needham, MA

Always answers the phone.

Doesn't matter if he's at dinner with his family, at his sons soccer game, or on vacation Mike is a superhero when it comes to responsiveness. Mikes voicemail says if he didn't get your call he will call you back within an hour and he means it. I cant remember how many times i called at night after work expecting to just leave a message but getting mike on the other side of the phone.

You don't half to worry about getting robots or machines or the run around. Mike will answer and make you feel like your the only client he has. He will get the answers to every question no matter how weird and he has an unbelievable turn around

Matthew, Attleboro, MA

Mike Kidwell was referred by the seller I was buying from. We needed to close fairly quickly and Mike was able to assist. Leader Bank provided rates and paperwork in a timely manner. Mike was always very responsive. Overall, a positive experience!

Kristen, Foxborough, MA

Mr Kidwell assisted my wife and I in a complicated refinance for our mortgage. It was a pleasure to work with Mr Kidwell. His extreme attention, vast knowledge, and kind demeanor made a great impression. Available at any time of the day, he was always up to date with any questions or concerns we had during the process. We found him to be both expedient and thorough.

Peter, Exeter, RI

Explore the Loan Process

Learn

Learn all you can about the loan process and ask lots of questions.

Apply for Loan

Complete, review, and submit your application. This will set the process in motion.

Connect with a Loan Officer

Your loan officer will reach out to you and review your application with you.

Credit Check & Prequalification

We will assess your credit, income, and assets to quickly determine what loan(s) you qualify for.

Documentation

Paperwork is still a big part of the loan process. We will email you forms to sign and a checklist of documents we’ll need.

Rate Lock & Appraisal

Once we’ve discussed the loan amount, the type of loan, and the rate that’s best for you, it’s time to lock in your rate and order your appraisal.

Underwriting & Approval

Our underwriting team will review and issue a decision detailing any conditions necessary for final loan approval.

Clear to Close

Once we have cleared necessary conditions our underwriting and closing team will make final preparations to close.

Closing

Loan documents are delivered to the closing attorney. The attorney will contact you to arrange a signing.

Funding

Once the signed documents are returned and reviewed, the closing attorney will request a wire transfer of the loan funds.

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