Read Mike's Expertise

Mike is often sought out as an expert source for his insights and knowledge.

Past Articles

DEC

'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

NOV

'23

Will Home Equity Loan Rates Go Down in 2024?

CBS News // 11-21-23

OCT

'23

Should You Use a HELOC to Pay for Holiday Expenses?

CBS News // 10-30-23

OCT

'23

Mortgage Rates Just Hit 8% - Should You Still Buy a Home?

NBC New York // 10-18-23

SEP

'23

When Will Mortgage Rates Go Down?

CBS News // 9-20-23

SEP

'23

Best HELOC Rates for September 2023

SF Gate // 9-8-23

AUG

'23

Mortgage Interest Rate Forecast: What Experts Predict for This Year and 2024

CBS News // 8-21-23

AUG

'23

Housing Market Predictions for Mid-to-Late 2023

The Mortgage Reports // 8-1-23

JUL

'23

I Lost $150,000 From Investing in Real Estate - Here are 3 Things I Learned

AOL // 7-20-23

JUL

'23

Best HELOC Rates for July

SF Gate // 7-14-23

MAY

'23

Best California Cities for Budget-Friendly Homebuyers

FOX LA // 5-15-23

MAY

'23

7 Most Expensive California ZIP Codes - And 6 Affordable Alternatives

GoBankingRates // 5-12-23

FEB

'23

Is 2023 a Good Year to Buy a Home?

MyMove.com // 2-20-23

JAN

'23

7 Reasons Why We Are Not in a Housing Bubble

Yahoo Finance // 1-17-23

JAN

'23

When is an Adjustable Rate Mortgage a Good Idea?

Fortune // 1-4-23

About Mike

Mike Hardy is a true renaissance man – he’s an Ironman, student pilot, real estate investor, sought after speaker, leadership expert, fund manager, and a business coach for mortgage and real estate professionals.

He has spoken at national conferences and events such as Todd Duncan’s High Trust Sales Mastery, with an audience of over 30,000 people, and has been quoted on Fox Business News and interviewed by USA Today.

Mike is an authority in the real estate and mortgage business, often sought out for his unique insights into such issues as the comparison between the 2007 and 2022 housing markets. He is currently the Managing Partner of California & Nevada business for Churchill Mortgage, leading a top 1% nationwide $100 million origination team, and overseeing 30 employees managing $500 million. His teams help more than 1,200 families annually with a purchase or refinance.

As the Principal and Co-Founder of CYRUS Opportunity Zone Fund, Mike lends his expertise to helping investors harness the power of tax free investing through OZs. CYRUS was launched in 2019, and is currently developing 100+ cash flowing units in addition to multiple fix and flip projects.

Mike is a husband of 25 years, a father to 4 kids, and is actively involved in philanthropic efforts throughout his Southern California community. He loves using his experience to add value to people's lives through speaking and interview opportunities.

Mike's Areas of Expertise

  • Mortgage & Lending

  • Opportunity Zone Investing

  • Leadership & Development

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