Home loans done right,
with a broker in your corner.
Partners Elite Financial helps homebuyers and homeowners across Florida, Oregon, and Washington compare loan options, understand the numbers, and close with confidence.
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No obligation. No impact to your credit. A real human reviews every request.
Partners Elite Financial Inc. — Mortgage Broker Serving Florida, Washington & Oregon
Partners Elite Financial Inc. (Company NMLS #1830849) is a licensed mortgage brokerage helping homebuyers and homeowners with purchase mortgages, refinancing, conventional, FHA, VA, and reverse mortgages, along with financing for self-employed, retired, and complex-income borrowers.
As a broker, we compare programs from multiple wholesale lenders instead of offering a single institution's product menu — then explain the trade-offs in plain language so you can choose the option that fits your goals and timeline.
Your broker
Michael Callaham Jr.
Owner/Broker · NMLS #379732
Michael has worked in the mortgage industry since 1998 — more than 27 years — advising borrowers on purchases, refinances, FHA and VA loans, FHA Streamline and VA IRRRL refinances, reverse mortgages, and self-employed or retired borrower scenarios.
- Individual NMLS #379732
- Company NMLS #1830849
- Licensed lending markets: FL, WA, OR
27+
Years Experience
3,000+
Families Helped
FL · OR · WA
Licensed In
Under 15 Days
Avg. Closing Time
Wholesale
Mortgage Access
Loan Programs
A loan program for every borrower
From first-time buyers to retirees, we shop wholesale lenders to match you with the right loan.
Purchase Loans
Competitive wholesale rates for first-time and move-up buyers.
Learn moreFHA Loans
As little as 3.5% down with flexible credit requirements.
Learn moreVA Loans
$0 down, no PMI, and unbeatable rates for veterans.
Learn moreRefinancing
Reduce your payment or shorten your term with wholesale pricing.
Learn moreCash-Out Refinancing
Turn home equity into cash for renovations or investments.
Learn moreJumbo Loans
Financing above conforming limits with white-glove service.
Learn moreSelf-Employed Borrowers
Bank statement and alternative income programs for business owners.
Learn moreReverse Mortgages
Convert equity into tax-free income for homeowners 62+.
Learn moreWhy Choose Partners Elite
Partners Elite vs. a Retail Bank
A retail bank sells one set of products. We shop dozens of wholesale lenders to win you the best deal.
Testimonials
Trusted by 3,000+ families
"Michael found us a rate nearly a full point lower than our bank quoted. We closed in 12 days. Absolutely seamless."
Sarah & James M.
St. Augustine, FL
"As a veteran, the VA process can be confusing. Partners Elite handled everything and got me $0 down with an incredible rate."
Robert T.
Portland, OR
"We're self-employed and got turned down twice elsewhere. Michael's bank statement program got us approved fast."
Linda & Carlos R.
Seattle, WA
"The reverse mortgage gave us peace of mind in retirement. Michael explained every detail with patience and care."
Margaret H.
Jacksonville, FL
Recent Closings
Real results for real borrowers
A sample of recent transactions across Florida, Oregon, and Washington.
$485,000
$640,000
$520,000
$398,000
$312,000
$1,250,000
Apply Today
Start your application in minutes
Begin your secure mortgage application or request a free, no-obligation rate quote. A real loan officer—Michael Callaham Jr.—reviews every request personally.
- No impact to your credit to get a quote
- Pre-approval letters for serious buyers
- Bank statement options for the self-employed
- Dedicated support from start to closing
Request a Free Rate Quote
Tell us a little about your goals and we'll get right back to you.