CALL 818-735-5924 • NMLS #236429 • CA-DRE #01130048

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Mike has over 20 years of experience as a top Producing Loan Officer and Team Builder. He was named one of the top 200 loan originators in the United States for three years in a row (2000-2002) by Loan Originator Magazine, as well as one of the top 100 loan originators for an additional two years (2003-2004). Mike’s goals are to provide his clients with the ability to meet their financial vision.

“My job really begins when the client’s first loan closes with me,” Mike reveals. “I’m not here to be a provider of debt for one-time transactions. I assist my customers in managing that debt and continually watch the market and provide updates to my clients with easy-to-read spreadsheets. I always let them know when it is in their best interest to refinance and save money. I choose to take the approach of a consultant with all of my clientele.”

Mike resides in Westlake Village, CA, with his three lovely daughters. Mike and his oldest daughter like to volunteer; through the MEND organization, they adopt 1-2 families every holiday season. They like to see how much joy they bring to families in need — especially the children. During his spare time, Mike likes to coach soccer for his two younger daughters’ AYSO teams, and when he has a little time for himself, Mike likes to golf.

Contact Mike for financing residential properties.

Client Reviews

Mike has done several large and small loans for me over the past few years, he has always proven to be a tremendous and creative resource, providing invaluable advice and highly competitive rates. I wouldn't use anyone else for my loan needs and I would highly recommend using Mike for whatever loan needs you have.
Mike and his office staff, especially Claudia are the best for getting a mortgage and refinancing. You cannot go wrong working with the wonderful group of folks.
As always, Mike and Team are the best! I don't know how many loans we have done over the past 20+ years - at least a dozen - and they are always great!

The Latest News

Designing a Home That Reduces Financial Stress
February 26, 2026
Financial stress does not come only from high payments. It often comes from poor planning, unrealistic expectations, and lack of reserves. A well-chosen home should strengthen financial stability, not weaken it. Designing your approach before you purchase can make ownership feel secure instead of overwhelming. Mortgage decisions should prioritize sustainability over maximum borrowing power.
How Adjustable-Rate Mortgages Work and When They Make Sense
February 25, 2026
Adjustable-rate mortgages often create hesitation because borrowers focus on the word adjustable. However, these loans can serve a strategic purpose when aligned with specific financial timelines. An adjustable-rate mortgage typically offers a fixed introductory period followed by periodic rate adjustments based on market indexes. Understanding how these loans are structured helps borrowers determine whether the flexibility outweighs potential variability.
Why Your Morning Routine Matters More Than Your Mortgage Rate
February 24, 2026
Interest rates get headlines. Payment amounts get attention. Yet neither one determines whether your mortgage will feel sustainable five years from now. What truly determines long-term satisfaction is how your financing decision supports your daily routine.

Interested in applying? Get pre-qualified now!

Mike Pfefferman

First Rate Financial Group

CALL 818-735-5924
NMLS #236429 • CA-DRE #01130048