Michael Kodsi of Choice MortgageAlways available for your mortgage needs
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About Michael
Choice Mortgage was founded in 1995 with a primary focus on commercial real estate. In 1996 with the changes in the housing market Michael saw an opportunity to fill a need.
He began the journey to building the prominent financial establishment that is Choice Mortgage today. Michael believes that care and compassion are equally as important as being knowledgeable about products and services. With that in mind, he has created a work culture that ensures exceptional, simplified, and expedited service to all Choice Mortgage clients.
Michael and his wife of 23 years, Andi, have three active boys, Cole, Rhett, and Hudson. He enjoys maintaining a healthy lifestyle by working out, eating healthy, meditating, and boating.
Meet Our Loan Officers
Mortgage loan officer with 15 years of experience offering a wide variety of loan products to suit nearly all borrower profiles and property types. My team and I offer free and effective advice to assist you in qualifying for the best mortgage available for your borrowing profile and credit score. Extensive experience and success getting borrowers approved for mortgages after they have been denied a mortgage at other lenders. Special expertise in complex, debt consolidation refinances and assisting first time homebuyers to prepare themselves to qualify for the best mortgage available for their credit profile and income level. Free homebuyer consulting and coaching including credit score improvement advice. I pride myself on the motto that it is best to under promise and over deliver rather than vice -versa.
Nicole Garcia is a dedicated Mortgage Loan Originator at Choice Mortgage, proudly serving clients across Florida. With a passion for helping individuals and families achieve their homeownership goals, Nicole brings a client-first approach to every loan she handles. Whether you’re a first-time homebuyer, refinancing, or looking for investment property financing, she’s committed to finding the right solution with care, clarity, and speed. Outside of work, Nicole enjoys creating art, enjoying the beach, and spending time with her friends and family in sunny South Florida.
With 33+ years in the industry, I’ve helped thousands of clients secure financing. I specialize in Non-QM and private lending, and I’m known for closing loans quickly — often in 7 days or less.
With over 25 years of experience in the mortgage industry, I specialize in working with a wide range of clients — from high-net-worth individuals to those facing unique financial challenges. My deep understanding of the lending process allows me to structure solutions that fit each client’s needs. I’m proud to say that I close most loans in as little as 7 days, delivering speed, service, and results.
Choice Mortgage and Michael Kodsi are the best choice when you need to buy or refinance your home. They are by far the most reliable and respected in the mortgage industry. Their level of expertise is second to none. Fast, accurate, knowledgeable, and helpful are adjectives easily used to describe their work.
- E. Casimir
Why Choose Choice Mortgage
Choice Mortgage helps people improve their financial situations and create lasting memories through home ownership - one loan at a time.
Since 1995, Choice Mortgage has been providing homeowners with the best real estate financing programs available. As a licensed lender, we offer a wide variety of services and programs that satisfy the unique needs of each of our clients, including:
- Residential mortgages
- Refinancing
- Reverse mortgages
- FHA loan programs
- VA loan programs
- Second home financing
- Vacation home financing
- Debt consolidation
- Portfolio loans
- Investment property lending
The Choice Mortgage Advantage
We know that each of our clients are unique and so are their mortgage needs.
We believe that everyone deserves the help they need to become a homeowner. Choice Mortgage can issue prequalification letters within minutes and allow you to quickly begin house hunting with your real estate agent.
Our staff has a deep knowledge of the mortgage market and rapidly responds to all the new opportunities that are made available. We are a licensed lender and offer multiple outlets for your loan. Our staff applies your personal scenario to the best available program to ensure financial savings and quick closings.