Read Mike's Expertise
Mike is often sought out as an expert source for his insights and knowledge.
Past Articles
'23
The Frozen Housing Market is Finally Starting to Thaw as Mortgage Rates Drop Below 7% and More Homes Change Hands
Fortune // 12-18-23
'23
Will Home Equity Loan Rates Go Down in 2024?
CBS News // 11-21-23
'23
Should You Use a HELOC to Pay for Holiday Expenses?
CBS News // 10-30-23
'23
Mortgage Rates Just Hit 8% - Should You Still Buy a Home?
NBC New York // 10-18-23
'23
When Will Mortgage Rates Go Down?
CBS News // 9-20-23
'23
Best HELOC Rates for September 2023
SF Gate // 9-8-23
'23
Mortgage Interest Rate Forecast: What Experts Predict for This Year and 2024
CBS News // 8-21-23
'23
Housing Market Predictions for Mid-to-Late 2023
The Mortgage Reports // 8-1-23
'23
I Lost $150,000 From Investing in Real Estate - Here are 3 Things I Learned
AOL // 7-20-23
'23
Best HELOC Rates for July
SF Gate // 7-14-23
'23
Best California Cities for Budget-Friendly Homebuyers
FOX LA // 5-15-23
'23
7 Most Expensive California ZIP Codes - And 6 Affordable Alternatives
GoBankingRates // 5-12-23
'23
Is 2023 a Good Year to Buy a Home?
MyMove.com // 2-20-23
'23
7 Reasons Why We Are Not in a Housing Bubble
Yahoo Finance // 1-17-23
'23
When is an Adjustable Rate Mortgage a Good Idea?
Fortune // 1-4-23
About Mike
Mike Hardy is a multifaceted professional, excelling as an Ironman athlete, student pilot, real estate investor, speaker, and nationally ranked top 1% mortgage originator. With ETHOS Lending Mike leads a top-performing team who has helped over 10,000 families secure refinance or purchase mortgages over the past 20 years. His leadership is marked by a unique, holistic perspective on mortgage management, incorporating a true financial planning approach to lending.
Beyond his mortgage expertise, Mike is a seasoned real estate investor with experience in over 100 real estate projects, and a recognized authority on Opportunity Zones. He has shared his insights at prominent national mortgage and real estate conferences, including Keller Williams Family Reunion and Todd Duncan's High Trust Academy, and his expertise has been featured in CBS News, Fortune, Forbes, Yahoo Finance, USA Today, and numerous podcasts.
On the personal front, Mike has been happily married for 27 years and is a proud father of four. He has built a winning formula for the art of work-life balance, allowing for systematic growth in all areas of life without compromise. Mike enjoys mountain climbing, working out, spending time at Big Bear Lake, and, above all, investing in quality time with his children.
Mortgage & Lending
Opportunity Zone Investing
Leadership & Development