Mike Cummings

Mortgage Loan Originator

NMLS#: 46722

About Mike

Proudly serving clients across Massachusetts, Connecticut, New Hampshire and Rhode Island.

I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.

With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.

I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.

Borrower Testimonials

Total Experience Score5.00
Rating: 5.0 out of 5.0 from Encompass
Mike and his team were fantastic to work with. From the very beginning, Mike was incredibly responsive and always willing to help with any questions we had. We were so grateful to have someone we trusted guiding us through the home-buying process. We truly couldn’t have done it without Mike’s expertise and support. He made the entire process se...
BonnieCanton, MA
Rating: 5.0 out of 5.0 from Encompass
Mike was proactive and attentive to what was needed in order to accomplish a quick closing timeline.
RamonaRehoboth, MA
Rating: 5.0 out of 5.0 from Encompass
Mike is an amazing loan officer, very knowledgable, professional, detailed oriented, friendly, and responsive. He made our dream come true while few other loan officers at other banks turned us down. Highly recommended and will definitely he will be our go to loan officer in future. Thank you for everything, Mike!
AfshinNewton Center, MA
Rating: 5.0 out of 5.0 from Encompass
Mike was super helpful and patience during our loan process. He is very thorough , knowledgeable , and supportive. He was always available; iver over the weekend, late at night and even early morning. i already referred him to mu friends. thank you Mike for everything you did for us.
SabaNewton Center, MA
Rating: 5.0 out of 5.0 from Encompass
Mike is very knowledgeable and approachable. He kept me informed throughout the process.
JohannaAttleboro, MA
Rating: 5.0 out of 5.0 from Encompass
Mike is friendly, attentive, and professional. My wife and I had little experience and found the task of mortgaging daunting. Mike was a steady source of wisdom, clarity and security both when we bought our first house and when we refinanced.
Jose OscarNewton, MA
Rating: 5.0 out of 5.0 from Encompass
Mike is amazing and my go to lrnder! He's always available and provides great service to me and all of my clients. I'm so lucky to have him on my side!!
JudyTewksbury, MA