Your local lender in Lake County
I'm Michele Milota, and as the Lender at the Lake I help buyers and homeowners across Lake County. I have a home in Clearlake, so I know these communities firsthand: Clearlake, Lakeport, Kelseyville, Hidden Valley Lake, Lower Lake, Nice, Lucerne and Clearlake Oaks.
Why use a local Lake County lender?
- I understand local properties: wells, septic, manufactured homes, lakefront and rural parcels.
- I know the area's USDA-eligible communities and local programs.
- I'm easy to reach by call or text, and I work closely with local agents, inspectors and escrow.
- You get personal guidance from application to closing.
USDA Rural Loans
Many Lake County communities may fall in USDA-eligible areas, offering no-down-payment options for income-eligible buyers.
FHA Loans
Flexible credit guidelines and low down payment options, popular with first-time buyers.
VA Loans
For eligible veterans, service members and surviving spouses.
Conventional Loans
Options for buyers with solid credit, with several down payment choices.
Manufactured Homes
Financing for qualifying manufactured homes on permanent foundations, common around the lake.
Second & Vacation Homes
Financing for a lake getaway or second home, subject to occupancy guidelines.
Down Payment Assistance
State and local programs may help eligible buyers with down payment or closing costs.
Working with Lake County realtors
Strong offers start with a solid pre-approval. I partner with Lake County real estate agents to provide fast pre-approvals, clear communication and timely updates, so everyone stays on track to closing. Agents: call or text (916) 628-3814 to connect.
Lake County home buying blog
FHA Loans for First-Time Homebuyers in Lake County
How FHA loans work for buyers in Clearlake, Lakeport and beyond.
Ready to buy or refinance in Lake County?
Talk with your Lender at the Lake: free, no-obligation consultation.
Apply Now Contact Michele Call (916) 628-3814