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 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.

Mike's Areas of Expertise

  • Mortgage & Lending

  • Opportunity Zone Investing

  • Leadership & Development

Contact

Follow Mike

Copyright 2024. All rights reserved