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 all facets of 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 29 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.
Work/Life Balance: Building an Anxiety-Free Business and Life
Warrior Mindset & The Core Four
Strategic Real Estate Investment
Intentional Team Leadership
Financial Planning Approach to Lending
Developing Mental Health Resilience
Win in Business, Health, & Relationships
Weaponizing Your Mindset



Upcoming Events
19
FEB
[LIVESTREAM] 2025 Housing Market Update: Buy, Sell, or Hold?
12pm PST - Wed. February 19th
19
MAR
[LIVESTREAM] 2025 Housing Market Update: Buy, Sell, or Hold?
12pm PST - Wed. March 19th
16
APR
[LIVESTREAM] 2024 Housing Market Update: Buy, Sell, or Hold?
12pm PST - Wed. April 16th
Engage With Mike
Mike Hardy enjoys utilizing his vast knowledge and experience by sharing his insights with audiences in a number of formats. If you would like to reach out to Mike for a podcast interview, written article, speaking event, or to request private coaching, please use the contact form below.
Podcast Interviews
Mike has been interviewed on a number of podcasts and YouTube shows, discussing everything from his personal philosophies on life and business, to opportunity zone investing, to mortgage brokerage and the state of the housing market, and much more. Click below to listen to past episodes.
Blog
Mike has a wide breadth of experience, in the professional world and beyond. He has completed an Ironman, studied to be a student pilot, completed the Warrior Hell week, competed in a bodybuilding physique competition, and much more. Through this blog he shares those experiences and the lessons learned along the way.
Webinars
Watch past webinars from Mike Hardy and The Katalyst Team at ETHOS Lending, discussing the state of the housing market, advanced financing strategies, and much more. Through their monthly webinars, Mike and his partner Rick Mount give regular updates on mortgage strategies and the housing market.
Business Coaching
Mike has decades of experience as a high achiever in multiple fields, and is always looking to share that knowledge.
He provides structured and personalized coaching on a case-by-case basis for professionals who are looking to take their business and personal lives to the next level.
Reach out below to request more information.




