Mitchell Mortgage

Phone Number: (707) 259-1117
Phone Number: (530) 406-2200

Located in Napa, Davis and Woodland, CA


Michael Mitchell has been working in real estate financing for over 35 years and Broker/Owner of Mitchell Mortgage for over 29 years.  He does his best to make his clients home loan or refinance experience as stress free as possible.  He has the advantage of being an “independent mortgage broker”.  This means that he is not tied to a specific bank, so is free to find his clients the lowest rate for which they will qualify for their home loan.

Most mortgage brokers today are actually running an office of agents for a specific mortgage lender. They are encouraged to use their sponsoring lender over others, usually due to a commission structure, and they are ordinarily limited to a specific list of lenders allowed to be used as alternates to the sponsoring lender.   Also, your home loan will most likely be handled by a processor, not the broker himself.   This is not the case at Mitchell Mortgage.  Michael Mitchell handles “ALL” aspects of your home loan himself.  The only other person you will ever speak with at his office is Carol Mitchell, his wife and partner, who handles the marketing.

The advantage of using a mortgage broker for your home loan is that there is no need to go to more than one place to accomplish your home loan needs.   If one lender turns you down, the mortgage broker can re-submit your loan to another, saving you time and stress! At Mitchell Mortgage, we strive to provide our clients with personal, individualized service, so the loan process is as comfortable an experience as possible.  Michael Mitchell will work with you one on one to ensure that you receive a financial solution that is tailored specifically to meet your financing needs.  Our ultimate goal is to create lasting relationships with each of our clients, so that we may continue offering our excellent service for many years to come.  You can trust that Mitchell Mortgage will keep all of your information secure and private.

To speak with Michael Mitchell, simply give him a call anytime or feel free to utilize any of the interactive tools offered throughout the site.   Even if you are merely curious about your specific situation, seeking financing information or planning for the future, he is happy to speak with you, answer your questions and offer advice.  Markets and rates can change daily, and in some cases, more often.  When you call, please understand that all the questions asked are geared towards narrowing down the best loan and rate for your current situation.  All answers you provide are, of course, strictly confidential.  He looks forward to working with you!

Expect Michael Mitchell to:

  • Call you back promptly and stay in touch throughout the loan process
  • Handle all of your personal information and documents himself, rather than pass them off to a junior officer and/or processor
  • Quote up to the minute, current rates and closing costs