Michael Florczak

Take the first step toward refinancing or buying a new home.

Whether you're ready to apply for a mortgage, want to understand mortgage loan rates or have questions about home refinancing or buying a new home, I'm here to help. I’ve been a Mortgage Loan officer since 1998, and I’ll work with you through every step of the mortgage process.

I live and work in Buffalo, New York, and specialize in helping clients understand the mortgage process for buying a new home and home refinancing. I also guide clients through preapproval or conditional approval for a home loan, understanding mortgage rates and anything else that comes up along the way.

When you’re considering buying a home, refinancing or just have preliminary questions, contact me. We have loans to fit any budget and financial situation, including conventional, specialty, affordable and government loans. I’ll explain our special 0.25% interest rate discount for KeyBank clients and help you assess your budget to determine how much to spend on your home.