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Michael Fita

Michael Fita

Loan Officer

We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.


My name is Michael Fita and I was born and raised in Gliwice, Poland. At a young age of 8, my family migrated to America. In my spare time, I like to cycle on the street and mountain bike off road. Additionally, I like to play tennis, pickle ball, golf and basketball. I enjoy traveling as often as my schedule allows for. To date, I have been to Poland, Germany, Austria, Switzerland, England, Canada, Mexico and several countries in Central America.

I graduated with honors from the University of New Hampshire with a Bachelor of Science in Business Administration – concentration in Finance and a minor in Computer Information Systems. Numbers and technology have always come easy to me, which is why joining the Loan Factory was an easy decision for me!

At the Loan Factory, we have the best of technology and the best of finances – specialized loan programs tailored fit for individual unique situations like yours. The state-of-the-art technology and tailored fit financial programs combined together give us a great opportunity to help you out with your homeownership needs – be that a home purchase or refinance. Thank you for allowing me to help you and your family. Here is what some of my clients had to say about their experience with me:

Bobby P

Lowell, MA

Awesome service and advice. Genuinely cares about his clients.  I will definitely recommend Michael to anyone looking for a mortgage or refinance. Thank you so much.

Gregory B

Framingham, MA

Time from start to closing was very fast. Very responsive to questions. Excellent service overall.

Riza B

Revere, MA

Michael is very good at what he does, very informative and provides a lot of useful advice. He is easy to work with and explains the process in a way that is easily understood. I would work with Michael again in the future!

Jason L

Merrimack, NH

Michael and Team were very thorough and clear with communications, they made the entire process very easy!

Was very impressed with all the hard work and speed that their team executed our refinance, would highly recommend and return for future business!

Daniel J

Sanbornville, NH

Michael kept me well informed through the whole process and had excellent explanations throughout! Thank You

Darlene L

Billerica, MA

Michael was pleasant, informative and very patient. He was always available to answer any questions I had.

Would definitely refer him to others!

Jennifer G

Canton, MA

Was an easy and fast process.  Michael was supportive, informative, and very pleasant to work with. 

Robert M

Acton, MA

Michael is highly professional,  patient and conscientious.

It was very reassuring to have him as my primary contact during the process, and I felt I could trust him to act in my interest.

Jeff M

Lowell, MA

Michael was so easy to work with and always honest and upfront. He always went above and beyond for us and we couldn't be happier dealing with him. We would recommend him to everyone!!!

Robert B

Merrimack, NH

From start to finish, we closed in under 30 days. Was looking for a low rate, short term and fast action.

Could not be any happier. All three aspects delivered with complete satisfaction. Michael and support team guided us along the way, answered all questions and delivered on time. Thank you!

Mihaela D

Natick, MA

Michael is patient and knowledgeable. He educated and reassured me at every step of the way. He was available to speak in the evening and accommodated my schedule. He was approachable by text and available to speak on a short notice. Very happy with the process overall.

Justin L

Alton, NH

Michael was extremely knowledgeable, very willing to help at any time, and professional. I highly recommend him to anyone in need of a mortgage, refinance, etc.

David M

Holliston, MA

After my experience with Michael and his straightforward explanations of critical points in the process, i wouldn't hesitate to recommend him for your mortgage needs.

Kim E

Leverett, MA

Michael was very responsive. He stayed in touch every step of the way. He treated us like people and not just another sale.

Leonila C

Billerica, MA

I am impressed with your hard work and your effort.   You help me all the way of my complicated application . With your best effort to help me, finally,  I got loan approved . I am indeed  lucky to have you as my loan officer again for the future.

Paul H

Rochester, NH

Every time I would call Michael he would call back to answer any questions for me. He would even call early in the morning because he new I was at work at 5am just to fill me in on what was going on. Even when I thought it was not moving fast enough, Michael was there every step of the way guiding us through right up until the closing. Thank you so much.


Patricia M

Yarmouth Port, MA

Michael was very professional and addressed any concerns I had in a very timely and honest fashion.  Very happy I answered the phone when he called, I was getting very discouraged!

Alexander B

East Boston, MA

Working with Michael Fita stress free. He is professional and honest.

Majular K

Saugus, MA

Mike help me with a better insurance on my house. Always return my calls and text massage very fast. Thank you.

Emma B

East Boston, MA

Working with Michael I felt he is honest. I felt I can trust him. I would recommend Michael to anyone.

Eke J

Salem, NH

Very direct, clear and responsive. Thank you for everything.

Phone: (617) 594-9532

NMLS#: 728808

License: FL, MA, ME, NH

Spoken Language: English, Polish

My reviews on Google

Mortgage Rates

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 183 lenders in real-time for you.
  • 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the US. Because we have closed many loans, we can negotiate and obtain ridiculously low rates from lenders.
  • 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.



Number of Lenders


Ready to settle your mortgage plan?

We are here to help you with the great deal in the market.

Services We Offer

Home Purchase

Home Purchase

Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.

Re-finance Low Rate

Refinance Low Rate

Need to refinance to get a better rate? We will get great deals for your financial plan As rate is updated in real time from lenders, your refinance plan will just get better.

Re-finance Cash Out

Refinance Cash Out

A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.

Why Us

Independent Advice.

We commit to always give you independent advice regarding real estate and mortgage options.

Customer First.

We make less per loan than competitors and pass the extra savings to borrowers.

Low Available Rates

You will always get great deals with our real-time pricing engine.

Fast, Convenient, Local Service.

we are just one call away from your requirement.

Contact us today

Your home is one call away. We will get back to you immediately.


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