Michael Clarke

Title: Loan Originator
NMLS #: 54854
I am a seasoned Mortgage Professional with over a decade of experience in the industry.  My career started in 2004 shortly after college when I was given the opportunity as a Loan Processor.  From there I have transitioned to various Leadership roles in processing and sales.  This early foundation gives me a vast understanding of the loan process and what it takes to get to the closing table.


At US Mortgage, I enjoy working alongside industry veterans who share my same values and beliefs for superior customer service.  With our extensive loan portfolio, I am proud to work for a lender who puts the needs of their client first and finds the best product to fit their goals; not ours.


What type of home loan are you looking for?

Reverse Mortgage

Excellent. What type of property are you purchasing?

Single Family Home
Townhome / Condominium
Multi Family Home

In what State will this property be located?


What is the Estimated Purchase Price?


How much are you putting down?


When were you Born?


Excellent! What type of property are you Refinancing?

Single Family Home
Townhome / Condominium
Multi Family Home

Property Location


Estimate the Property Value?


Would you like to borrow additional Cash?


How do you use this property?


Who is this Rate Quote for?

Are you working with a Loan Officer : yesno



Funded Over

$10 Billion

Loans Closed


Direct Lender

VA, FHA, USDA, Agency


This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation.
The calculations do not infer that the company assumes any fiduciary duties.


US Mortgage Corporation offers a variety of Loan Products so that we can find the optimal loan solution for our clients and their budgets.




Refinancing your home opens the door to several opportunities.  Some of the most common reasons our clients choose to refinance their home with us include:
  • To reduce their monthly mortgage payment
  • To reduce the time of their loan from a 30 year to a 15 year mortgage
  • To switch from an adjustable rate to a fixed rate mortgage
  • To consolidate two mortgages into one
One of our most popular programs though is the Cash-Out Refinance which helps our equity out of their home to:
  • Pay off high interest credit cards
  • Pay for a child’s college education
  • Fund a retirement account
  • Cover the cost of a major purchase or home improvement project
  • Use the cash to buy other properties as a second home or investment
The fastest way to refinance your home is to use our automated wizard app. In minutes, you can complete an application and then expect to be contacted by a Licensed Loan Officer to discuss any questions you may have before you start the loan process.  REFINANCE YOUR MORTGAGE.  GET STARTED NOW


What Is A Reverse Mortgage (HECM)?

A reverse mortgage is a home loan that allows seniors to receive cash payments against the value of their home equity. It’s called a reverse mortgage because instead of you making payments on the loan, you receive cash payments from the wealth you’ve amassed in your equity.

What is a Reverse Mortgage Like?

A reverse mortgage is an excellent solution for seniors with moderate to high equity in their home who need some extra cash or financial relief without any credit requirements. The loans are available only to homeowners, at least one of whom is 62 years of age and older, and provide a number of benefits, including:

  • paying off a current mortgage, should you have one
  • allowing seniors to live in their home without making monthly mortgage payments *
  • providing tax-free ** money for any use
  • ability to pay monthly bills and live comfortably
  • providing relief from medical bills and debt
  • providing cash for remodeling or home renovations
  • Retaining ownership of your home. *
What is a reverse mortgage? It’s a financial option that may allow you to enjoy a more comfortable retirement while maintaining your independence.

Reverse Mortgage Options and Obligations

Reverse mortgages allow homeowners to access their equity in several ways. You can receive money as a lump sum, a line of credit, a monthly payment, or any combination of the three depending on the loan program that you choose. You retain the title to your home, and you are responsible for all property taxes, insurance costs, and home maintenance—all of which can be paid out of cash secured by the loan.

For homeowners’ protection, reverse mortgages are designed so you cannot owe more than your house is worth. The loan itself does not come due for as long as you live in the house as your primary residence and as long as you keep your property taxes and insurance up to date while keeping the home adequately maintained.

US Mortgage Corporation offers three different Reverse Mortgage (HECM) options:

  • HECM Fixed
  • HECM Line of Credit
  • HECM for Purchase.
A HECM for purchase loan, which is the newest of the 3, differs from other reverse mortgages. Instead of accessing existing equity, the HECM for Purchase loan gives Senior homebuyers an opportunity to purchase a home without making monthly mortgage payments.*


* – Homewoner is responsible for property taxes, insurance and maintenance
** – Please consult with a financial adviser


Want to learn more about a Reverse Mortgage (HECM)?  Speak with a Licensed Loan Officer.

Call Today  1-800-LOANS-15  (1-800-562-6715)





We recently closed on our very first home. Right from the start this company impressed me. My wife and I worked with Nancy Miller, and the entire house buying experience was quick and easy for us. They worked very hard to ensure everything was done by our estimated closing date. They were always very friendly and efficient.
user8906110Highly likely to recommend
Dennis Terry was extremely patient when we hit many bumps in the road, he never gave up. He went well above and beyond to get the job done. We highly recommend him. He is always professional and if wasn’t for him we would have given up . He made the process for my husband and I easier and gave us confidence.
Maria Trombino PiechockiHighly likely to recommend
This was our first home that we were buying and Fior and Estrella did and an amazing job! I highly recommend their services. They keep me updated throughout the whole process. I will definitely be using them again in the future! Thank you so much for your hard work you ladies are the best!!!!!
user0142083Highly likely to recommend
This was our first home. So we were not as experienced, other than reading through internet for helpful tips. Nancy Miller was such a big help. we had some credit issues that she helped us take care of. Then she set us up with a great team to search for our new home. Thank you Nancy and your team.
Jay FroelichHighly likely to recommend
Nancey Miller’s team was very informational, and didn’t give me false hopes. I tried going through 2 other morgage company’s that promised me things they could not deliver. They were very straight to the point and let me know everything I needed to do to get my loan. Also closed it very quickly with very little headache. I would absolutely recommend they to anyone and will use them again for my next home purchase.
Parker AndrewHighly likely to recommend
Absolutely excellent in response time, detailed in their correspondences and requests, and I couldn’t work with a better group of people! Estrella is AMAZING!!! I’ve purchased several properties, but her attention to detail and timely responses is superb!
A WilliamsHighly likely to recommend
Our experience with Danae Theander at US Mortgage exceeded every expectation! The personal level of attention, professionalism and communication through the entire process was unprecedented from any prior experiences. Highly recommend!
K LuchiniHighly likely to recommend
Maria Arrua from US Mortgage was extremely helpful in our first time home buyer. She got us the best rate possible and she was very responsive and informative on all of our questions. If you need to buy a house I recommended US mortgage and Maria Arrua as a broker
Valentino OlgaHighly likely to recommend
Stephen B McDonald was the best at every aspect of our re-fi. It required lumping a home with a condo together. He and his staff helped me all along the way to get it done. I’d give them all more than 5 stars if they were available to use!
Robert M GibbHighly likely to recommend
The team at US Mortgage are incredible. The personal level of support I received from Steve Simpson and his team was tremendous. Everyone I worked with demonstrated a high level of expertise for my inquiry handling, with great timely follow up. I cannot thank them enough, I would definitely recommend US Mortgage.
Matt BurkavageHighly likely to recommend
This was not my first experience trying to refinance and I didn’t want to waste money with appraisals or waste time. Daniel was very straighforward with letting me know the refinance was a good option and would go through just fine. Very prompt and efficient ay puts you at ease with his knowledge of the different programs available.
Ed JonesHighly likely to recommend
Earlier this month I successfully refinanced my home with US Mortgage. From the onset and throughout, Josh Shamoil was an invaluable component in this process.
Janine TaylorHighly likely to recommend
We just refinanced this fall, Grail Brearey was our loan originator. The service we received from Graig was excellent. His follow up is second to none, and the professionalism he exemplified is one of the best. Graig went above and beyond to ensure our satisfaction. He walked us through this very tedious and dynamic process every step of the way. We have dealt with a few mortgage companies over the years, but with Graig representing US Mortgage, he should be viewed as a great asset to your organization.
Carlos & Jayne SilvaHighly likely to recommend
It was a great experience. Despite some issues on my end, Mr. Craig A. Brearey was very helpful in resolving my issues and the whole process took about 3 weeks from first phone call to closing.
Richard JaimHighly likely to recommend
I would like to thank Elli Kalamaras for all her help in making my dream of home ownership a reality. She was extremely patient in explaining the process and guiding me through all the requirements. The whole process was handled like I was her only customer, such a high level of attention is rare these days. I recommend Elli and US Mortgage for your home purchasing needs without any hesitation you won’t be disappointed!!
Milton SalazarHighly likely to recommend
If there were a way to give a hundred star rating I would definitely do so!! I do not even know how to fully express the gratitude my husband and I have for Salvatore Albano of US Mortgage. We were first time home buyers and to be honest I found myself very scared of the whole process, but the moment that Sal came into our lives all those fears vanished…
The KollbecksHighly likely to recommend
Excellent experience! The bank I used for 20 years couldn’t qualify me for a loan in a month and US Mortgage did it in less than 1 week. Daniel Blatt was very professional and responsive, I highly recommend him. He has a con do attitude and was totally available during the process.
Ira SheresHighly likely to recommend
I can not say enough about my amazing expierence with Julie Curto and the team at US Mortgage ! I have dealt with what seems like a hundred mortgage compainies in the last two years and nothing compares to the job US Mortgage did for my wife and I . Julie was extremly creative and knowledgable with regards to our re-fi. I will never use another company again !
Michael EganHighly likely to recommend
We had an amazing experience with US Mortgage Corporation, our loan officer Daniel Blatt was a pleasure to do business with, and was very professional during the mortgage process. We had our application in during the week where interest rates rose dramatically and Daniel was so great at helping us complete our loan with a great rate. We highly recommend Daniel to anyone looking to get a mortgage.
Scherling SusanHighly likely to recommend
Throughout my loan process, Julie kept me informed every step of the way. She explained to me in great detail about the status of my loan. Julie was very personable and always willing to answer all my questions at any given time.
Lisa GalleyHighly likely to recommend


US Mortgage Corporation was founded by Steven A. Milner in September of 1994. The company primarily focuses on purchase money transactions, refinances and reverse mortgages. US Mortgage Corporation is currently a multi-state Licensed Mortgage Banking Corporation; HUD approved FHA Direct Endorsed Lender, conducting Retail Lending nationwide in 46 states including Washington D.C. Being a Direct Lender allows us to provide our clients with very competitive rates and loan products that fit their needs and their budget. Our clients save money and close their loans on-time because we utilize the most advanced mortgage technology available.

We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers. Our approach to fulfilling our client’s needs has enabled us to maintain an A+ Rating with the Better Business Bureau (BBB) and a 5 Star Rating as a Mortgage Lender with Zillow.





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