08/26/2026
This is a huge appreciation post for Mike Bernhart Armor Mortgage and his team at Armor Mortgage!
About six weeks ago, my buyers fell in love with a home—the one every other house would be compared to. Their first offer wasn’t accepted, so they continued looking and even submitted offers on other homes, but nothing came close. Three weeks later, we were finally able to negotiate an accepted offer, and my buyers were ecstatic.
Prior to looking at homes, they were pre-approved for a 30-year conventional loan through a big-box lender. Before we were under contract, the banker called and texted me constantly. Once the file was opened, the communication nearly stopped.
Then last Tuesday, August 18, my buyer called me in a panic after learning that additional inspections would be required and that the lender had changed the loan from conventional to FHA—without discussing it with us first.
That’s when Mike and his team stepped in.
They took over a difficult situation, cleaned up the other lender’s mess, and immediately went to work. They locked the loan last Tuesday, and today—just seven days later—we received our CLEAR TO CLOSE!
That has to be some kind of record.
The amount of work, determination, communication, and coordination it took to make this happen was nothing short of amazing. Mike and his team didn’t treat my buyers like a file number. They understood what was at stake and did everything possible to get them to the closing table.
The moral of the story: Please use local lenders, bankers, and agents. When things get complicated—and they often do—you need people who answer the phone, communicate clearly, and genuinely care about the outcome.
Mike Bernhart and the Armor Mortgage team absolutely saved the day for my buyers, and I cannot thank them enough!
