Mike Fake
Mike Fake / Branch Manager
NMLS #125241
Phone: 858.345.5601
Cell: 858.472.2053
Fax: 866.722.9354

Closing loans on time is my top priority!  I set out to accomplish this by always being available to my clients, by providing exceptional customer service and exceeding expectations. 

My career started as a CPA and working with PriceWaterhouse Coopers.  In 2003 I used my finance background as a platform to get into the lending business. 

In 2007 I partnered with RPM Mortgage in order to take advantage of their exceptional mortgage banking platform and other services.  The mortgage industry has gone through a number of changes and RPM has stayed at the forefront of those changes.  It is common for Loan Officers to work for a number of different lenders but I have stayed consistent and the partnership with RPM has allowed me to meet my goals.  

I have been married to my wife Jenny for 10 years and we have two energetic children.  I enjoy my free time with surfing, skiing and golfing.  I am coaching little league and am part of Adventure Guides with my son.  I serve on the board of directors of the Encinitas YMCA, and am Co-Chairman for our annual Roof Raisers golf event which raises money for maintaining and building facilities at the YMCA.  I am also an active Real Estate Investor.


“As the Director of Marketing at the Beverly Hills Wilshire resort, I realize that customer service sets yourself apart from the competition. I have gone through the home loan process several times and my experience with working with Mike was unlike any other I have had. He was proactive in watching for and locking in the lowest rate available as well as making the entire process extremely efficient and painless.”
-- Rob Sapp- Director of Marketing Beverly Hills Wilshire Resort

“I have been in the real estate industry for 20 years as a Realtor for Prudential CA. I believe that to be a successful lender you need to be extremely knowledgeable and keep your clients and all parties well informed. I believe that Mike does this better then any other lender that I have worked with in the past. He is available 7 days a week to meet with my clients and ensure the purchase transaction closes smoothly. I prefer that all of my clients work with Mike because I feel comfortable that he will do a great job and we will close escrow on time.”
-- Paul Ferrell - Top 10 Agent with Prudential California

“I was not in a hurry to re-finance. Mike took my information and put me on his Client Rate Watch program. He kept me up to date on changes in the market and when rates got to my target he locked me in. I am the CEO of a local Financial Company in S.D and am very busy. The loan process itself was very efficient and did not take up much of my time at all. I am very happy about the loan we got. Ask Mike about his Rate Watch Program.”
-- Eddie Hillard- CEO Financial Database Services

Loan Programs

To help you find the right type of home loan to meet your specific needs, RPM Mortgage offers multiple mortgage programs. This variety of residential mortgage lending solutions puts you in control of your future and enables our knowledgeable, trusted staff to help create a personalized mortgage solution to make your real estate goals a reality.

Our loan programs include, but not limited to: Jumbo loans to $3 million, Agency Conforming, Agency High Balance, FHA Conforming, FHA High Balance, FHA Energy Efficient Mortgages (EEM), VA, VA Interest Rate Reduction Refinancing Loan (IRRL), USDA, Lender Paid Mortgage Insurance (MI) Option, Split, Single and Financed Mortgage Insurance (MI), Concurrent 1st and 2nd, Max Financed Properties (up to 10), Delayed Financing, Fannie Direct Lender, Fannie Mae Service Retained, Freddie Mac Investor Options, DU Refi Plus, HomePath, FHA Flips

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Home Purchase

Real estate moves fast. To secure the home of your dreams, you need customized home mortgage options and community-centered service. RPM Mortgage has a reputation of trust and results as well as supporting technology and tools to ensure your transaction is as streamlined as possible.
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Finding the right lender for your refinance is an important decision. RPM Mortgage's wide range of products are all handled by our knowledgeable in-house mortgage lending staff. Thanks to the RPM lending platform and proximity to our top-tier staff, we deliver faster deals, more customized lending options and reliable service to you right here in the community we both know and love.

Whether you're looking for security, strength or a sterling reputation, RPM is your powerful ally in today's confusing home mortgage refinancing market.

  • Expert community-based service
  • Exclusive in-house mortgage banking service
  • Established position and hard-won reputation for integrity
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  • Mortgage Calculators

    Mortgage Loan
    Use this calculator to determine your monthly payment and amortization schedule.
    Mortgage Points Calculator
    Should you buy points? Use this calculator to find out.
    15 vs 30 Year Mortgage
    Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
    Adjustable Rate Mortgages
    This calculator helps you to determine what your adjustable mortgage payments will be.
    Mortgage APR
    Use this calculator to find the APR on your mortgage.
    Mortgage Tax Savings
    Interest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much your mortgage could save you in income taxes.
    Balloon Mortgages
    A balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon mortgage might fit your needs.
    ARM vs Fixed Rate
    Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
    Interest Only Mortgage
    Use this calculator to generate an amortization schedule for an interest only mortgage.
    Option ARM vs. Fixed Rate Mortgage
    Use this calculator to find out how much money you could save with an Option ARM loan.
  • Budget Calculators

    Rent vs. Buy
    Are you better off buying your home, or should you continue to rent?
    Mortgage Qualifier
    Can you buy your dream home? Find out just how much you can afford!
    Required Income
    Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
    Maximum Mortgage
    Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
    Mortgage Payoff
    Save thousands of dollars in interest by increasing your monthly mortgage payment.
    Bi-weekly Payment Calculator
    Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.
  • Refinance Calculators

    Refinance Interest Savings
    Use this calculator to see how much interest you can save by refinancing your mortgage!
    Refinance Breakeven
    Should you refinance your mortgage? Use this calculator to determine when you will breakeven!

Find A Home

RPM Mortgage wants you to have access to the most updated listings in the area of your choice. Through a trusted partnership with Homes.com we have brought these updated listings to you. Happy house hunting!

Referral Partners

You've worked hard to earn your credibility, success and community roots. You stake your reputation on every referral you make. As an RPM Mortgage referral partner, you will discover new opportunities to provide your customers with a more personalized option in residential mortgage lending. They will see faster, smoother and more effective transactions. Your reputation and business thrive on connections, referrals, and partnerships. Join RPM's network today and grow that reputation and business into a well-known, credible source.

RPM Mortgage has grown its reputation by attracting and rewarding the best talent in the communities we serve. RPM has built upon the pillars of trust, knowledge, and community, bringing these principles to our colleagues and customers through a tradition of "can do, will do" service. It is this that makes us the independently owned and operated mortgage lending operation and broker of choice throughout the markets we serve. Our established position and hard-won reputation for integrity combined with ingenuity have made us the real estate finance partner known for supportive, collaborative partnerships.

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