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Michael Washburn

Years of customer service, sales, and entrepreneurial ventures have shaped my relationship-focused approach to mortgage lending. Clarity, education, and communication are the three main goals I focus on with every client. This approach makes me a trusted advisor to my long-term clients and a valued partner to my network of realtors and other professionals who support me in providing exceptional service to my clients.

NMLS#1928943 | DRE#1758451

My years in customer service, sales, and entrepreneurial ventures have shaped my relationship-focused approach to mortgage lending. My reputation as a trusted advisor to first- and long-time clients is based on transparency, education, and flawless communication. I’ve also applied these principles when building my extensive professional network.


My approach to life is also shaped by the fact that I’m a two-time cancer survivor. My first bout was in 2015, with a second more aggressive fight in 2019 and 2020. These experiences helped me find gratitude and I now live a more purpose-driven life. Helping others get “unstuck” from their un-serving habits and self-dialogue has blossomed as a passion. In my recent interview for the Invictus Mindset podcast, I described how storytelling can help us connect with others in a profound and impactful way. As a result, I’ve begun writing my story of resilience in hopes that it will help others discover their path to a purpose-driven life.

Delivering on Our Promises, We Build Trust

Our clients value reliability, transparent service and honest advice. We are committed to meeting your needs effectively.

I can't believe that the whole process of getting a mortgage and moving was so fast and painless. ETHOS supported us at every step of the way - always friendly, professional and ready to listen. Thank you again. The Nelson Family Rancho Mission Viejo, CA
We're truly grateful as we look back on achieving the milestone of securing our home. ETHOS went above and beyond, turning our dreams into reality. While other lenders turned us away, they stood by our side, asking, 'Why not?' We appreciate the incredible journey we've been on with ETHOS and can't thank you enough. The Curtis Family San Juan Capistrano, CA
I was finding the process of getting a mortgage pretty overwhelming - it's such a big decision. Once I found ETHOS, I knew I was in good hands. They explained all the options, and the process was smooth and fast. Overall, a great experience. The Johnson Family Rancho Mission Viejo, CA


Mario O’Brien

I excel at building lasting client relationships. Thriving under pressure and adaptable to any situation, I ensure a smooth, efficient process tailored to your unique needs. Through transparent communication and proactive problem-solving, I aim to exceed your expectations with the solutions I provide. As your trusted advisor, I guide you through the lending market's complexities, offering insights and support to achieve your goals and future prosperity.

Noah Burford

With over 25 years in California’s lending industry, I prioritize transparency and clear communication, helping clients make informed financial decisions. My commitment to integrity and exceptional service aligns perfectly with Ethos Lending’s core values. Whether you're a homebuyer, investor, or business owner, I will leverage advanced technology to provide loan solutions tailored to your specific needs, ensuring a smooth and confident lending experience.