Michael Hooven

With more than two decades of experience in the financial industry, Michael Hooven (NMLS #1708102) has become a recognized leader in Non-Qualified Mortgage (Non-QM) and alternative lending solutions. His career spans more than 23 years of helping clients, business owners, and investors secure tailored mortgage financing.

As a loan officer with Atlantic Coast Mortgage, Michael specializes in helping qualified self-employed borrowers, real estate investors, and high-net-worth clients access flexible loan programs built around real financial profiles — not one-size-fits-all guidelines. His experience includes:

• Bank Statement Loans – Ideal for self-employed professionals and business owners.
• DSCR (Debt Service Coverage Ratio) Loans – For real estate investors focused on cash-flow-based lending.
• Asset-Depletion Loans – Great for retirees and high-net-worth borrowers using liquid assets as income.
• Foreign National Financing – Customized options for non-U.S. citizens investing in U.S. real estate.

Michael’s approach combines strategic financial insight with personalized service. He works closely with CPAs, financial planners, and real estate professionals to design custom lending strategies that align with each client’s goals.

Known for his integrity, responsiveness, and deep product knowledge, Michael has helped hundreds of clients structure complex loans that close smoothly — even when traditional banks said no. His mission is simple:

Make financing work for real-world borrowers.

Why Work with Michael Hooven

• 23+ years of experience across lending, credit, and capital markets
• Proven Non-QM experience recognized by industry professionals
• Personalized guidance for every borrower scenario
• Collaboration with CPAs, planners, and investors
• Backed by Atlantic Coast Mortgage’s trusted platform and resources

Let’s Build Your Loan Strategy

If you’re a borrower with unique income, an investor looking to scale your portfolio, or a financial professional seeking a trusted mortgage advisor — Michael Hooven delivers experience, creativity, and results.

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