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Michael Girard
(916) 771-2246, (916) 223-8492
Since first being licensed in 1978 as a real estate agent, then a broker in 1982, I have experienced the many ups and downs of both real estate and the financial markets. I have seen the good and bad business practices that small and large companies use to lure the consumer into why they offer the best deal. To me, the majority of people believe they got the best deal, when in fact, they may not have gotten the best deal. WHY! Simply put, they were told they did.

I believe the consumer must understand how important getting a Good Faith Estimate up front, will help them compare their options. In the Always Question the Broker Fees on a Good Faith Estimate section of our website, the example we show you is a true situation for Eric and Genevieve. They were dealing with a company that had a $1,000,000 plus advertising budget. I closed this loan for them and the $6000 they saved dealing with AGM Capital, did not go into the mega company's advertising budget as it would have.

Every day, millions of dollars in unnecessary fees are charged for loans because the consumer allows it to happen. I promised you, it won't happen when dealing with AGM.

Michael Girard is a licensed California real estate broker. He formed and incorporated AGM Capital Mortgage Corporation in August, 2004 after working almost 7 years for a leading mortgage brokerage firm in Sacramento. The material in the website was developed so the consumer can hopefully obtain some knowledge and insight in asking the right questions, so they will not pay unnecessary fees and save thousands of dollars.

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