Owner / Broker
Michael Callaham Jr., Owner/Broker at Partners Elite Financial Inc.
Michael Callaham Jr. (NMLS #379732) is the owner and broker of Partners Elite Financial Inc. (NMLS #1830849). He has worked in the mortgage industry since 1998—more than 27 years—and advises homebuyers and homeowners in Florida, Washington, and Oregon.
- Owner/Broker, Partners Elite Financial Inc.
- Individual NMLS #379732 · Company NMLS #1830849
- Mortgage industry experience since 1998 (27+ years)
- Licensed lending markets: Florida, Washington, Oregon
Last updated: September 15, 2026 · Author & reviewer: Michael Callaham Jr., NMLS #379732
Who Michael Callaham Jr. is
Michael Callaham Jr. is a licensed mortgage professional and the owner of Partners Elite Financial Inc., a mortgage brokerage that provides licensed mortgage services in Florida, Washington, and Oregon. His individual NMLS ID is 379732 and the company's NMLS ID is 1830849; both records are publicly verifiable through NMLS Consumer Access.
He began working in the mortgage industry in 1998. Over that time he has guided borrowers through purchases, refinances, government-backed loan programs, and reverse mortgages, across very different rate environments and guideline cycles.
As a broker rather than a single-institution lender, Michael's role is to compare available programs from multiple wholesale lenders, explain the trade-offs in plain language, and help each borrower choose the option that fits their situation and timeline.
Areas of mortgage experience
Michael works across the loan types most borrowers encounter, plus several that require more specialized handling.
- Home purchase financing for first-time and repeat buyers
- Conventional mortgages
- FHA mortgages
- VA mortgages for eligible veterans and service members
- Rate-and-term and cash-out refinancing
- FHA Streamline refinancing
- VA IRRRL (Interest Rate Reduction Refinance Loan)
- Reverse mortgages for homeowners age 62 and older
- Self-employed and 1099 borrowers
- Retired borrowers, including fixed-income and asset-based scenarios
- Complex-income and nontraditional documentation scenarios, where programs are available
Self-employed and complex-income borrowers
Business owners, contractors, commission earners, and investors often have income that does not translate cleanly onto a pay stub. Michael's approach is to review the documentation first—returns, business statements, K-1s, 1099s—then identify which programs are realistically a fit before an application is submitted. Guidelines and program availability vary by lender and change over time.
Retired and reverse mortgage borrowers
Retired borrowers may qualify using Social Security, pension, retirement distributions, or asset-based calculations depending on the program. Homeowners age 62 and older sometimes also consider a reverse mortgage. Michael walks through how each option works, including the long-term implications, so the decision is made with full information rather than pressure.
How Michael works with borrowers
Most conversations begin with a short consultation: what you own or want to buy, what your income looks like, what your timeline is, and what you want the loan to accomplish. From there Michael outlines the programs that appear to fit and what documentation each would require.
Nothing on this website is a commitment to lend, and no rate or approval can be promised in advance. Eligibility depends on underwriting review, credit, property, program guidelines, and lender requirements, all of which can change.
Areas served
Partners Elite Financial Inc. provides licensed mortgage services in Florida, Washington, and Oregon. Michael works with borrowers throughout each state, with concentrated activity in Northeast Florida and Southwest Washington.
License verification
Michael Callaham Jr. — NMLS #379732. Partners Elite Financial Inc. — NMLS #1830849. You can look up either record through NMLS Consumer Access at nmlsconsumeraccess.org, the official public database maintained by state mortgage regulators.
Frequently asked questions
Keep reading
This page is general mortgage education and is not a commitment to lend or an offer of credit. Program guidelines, eligibility, and availability vary by lender, loan program, property, and borrower profile, and are subject to change. All loans are subject to underwriting approval. Partners Elite Financial Inc., NMLS #1830849. Michael Callaham Jr., NMLS #379732. Licensed mortgage services in Florida, Oregon, and Washington. Equal Housing Opportunity.
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