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Michael Rivas

Investment Loan Advisor
WestPac Lending

Michael Rivas is an investment loan advisor at WestPac Lending, your local partner for clear, reliable lending solutions.

Your mortgage journey begins here. Getting started on the purchase or refinance of your home is just a few minutes away. No commitment needed.

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Expert Loan Advice At Your Fingertips

Professional Summary

Michael Rivas is an experienced investment loan advisor with WestPac Lending, offering over eleven years of expertise in investment property and residential mortgage financing. Licensed to work in California and 42 additional states, Michael helps real estate investors and homeowners secure flexible, strategic loan solutions tailored to today’s market.

He specializes in Fix & Flip loans, DSCR loans, Bank Statement programs, and non-QM financing, with in-depth knowledge of 1–10 unit property financing. Michael regularly assists clients with investment property purchases, refinances, and cash-out strategies, as well as primary residence home purchases and refinances, particularly for self-employed and non-traditional borrowers.

Known for his efficiency, responsiveness, and ability to close quickly, Michael works closely with clients to simplify complex loan scenarios and keep transactions on track. His extensive multi-state lending experience, combined with a deep understanding of investment property financing and residential mortgages, makes him a trusted advisor for clients looking to grow real estate portfolios or achieve homeownership with confidence.

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All-in-One Solution

Our Loan Process...

PRE-QUALIFY

A loan prequalification sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

A few documents are needed to get a loan file through underwriting.

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

Documents are drawn and sent to the title company for closing.

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Learn about Fannie Mae guidelines here. Learn about Freddie Mac guidelines here.

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