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We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.

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Loan Programs

Here at Armor Mortgage, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!

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Mortgage Calculators

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What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating
4.9
57 reviews
Michael Thompson
Mike and his team are fantastic. They work hard and put it long hours and days to get you to your mortgage closing. Couldn’t have been happier with his service!
Mike and his team are fantastic. They work hard and put it long hours and days to get you to your mortgage closing. Couldn’t have been happier with his service!

Michael Thompson

2 days ago

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Jarrett Pelley
WOW! Couldn’t be more impressed with this company. Getting approved for a home loan as a business owner is tough. BUT… with this company the process was seamless. So lucky to have found them!
WOW! Couldn’t be more impressed with this company. Getting approved for a home loan as a business owner is tough. BUT… with this company the process was seamless. So lucky to have found them!

Jarrett Pelley

1 week ago

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Kristen Cappelli
I wish there was an option to select 10 stars on this review because Mike Bernhardt and his team deserve more than five stars. They are absolutely amazing to work with. This was our second time using armor mortgage to purchase our second home. When the de ...
I wish there was an option to select 10 stars on this review because Mike Bernhardt and his team deserve more than five stars. They are absolutely amazing to work with. This was our second time using armor mortgage to purchase our second home. When the decision arose who to go with, there was no hesitation on our end…WE WANTED MIKE! Mike will spend hours, work late nights, and always pickup his phone to help you during your home buying process. He is so much more than his title describes. This time around he worked extra hard to get us our dream house against many obstacles and we are forever grateful for his efforts. He taught us valuable financial lessons along the way and set us up for a better future. I wish every account manager in my life was like him because he is one of the most brilliant and reliable representatives I have ever worked with. You can count on him to always have your best interest in mind and I think this quality is the most important when you are making the biggest purchase of your life. Thank you Mike once again for caring and helping get my family into our beautiful home! I can’t say enough good things about you and if we decide to upgrade to home #3 one day I pray your still doing what you do best because I’ll be calling!
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Kristen Cappelli

1 month ago

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Gary Castillo
Mike and team were friendly and professional. Always got back to me in a timely manner and had no problem addressing all of my questions throughout the process. I will use him for all my future mortgage needs in the area.
Mike and team were friendly and professional. Always got back to me in a timely manner and had no problem addressing all of my questions throughout the process. I will use him for all my future mortgage needs in the area.

Gary Castillo

1 month ago

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Michael Mennell
Mike's a great guy. Very knowledgeable and super easy to work with. He knew my situation and was very empathetic. He works fast and had me closed within weeks. Would absolutely recommend him to anyone!
Mike's a great guy. Very knowledgeable and super easy to work with. He knew my situation and was very empathetic. He works fast and had me closed within weeks. Would absolutely recommend him to anyone!

Michael Mennell

3 months ago

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Cylinda P.
I just closed on my first home and I will say I couldn’t have asked for a better experience! I initially wanted to narrow down my lender choice between 3 companies, and I chose this one because Mike was the most personable and kindest of the 3. He is also ...
I just closed on my first home and I will say I couldn’t have asked for a better experience! I initially wanted to narrow down my lender choice between 3 companies, and I chose this one because Mike was the most personable and kindest of the 3. He is also very knowledgeable and thorough, he doesn’t just tell you anything to get your business, he’s very upfront and honest. Mike and his staff did an excellent job getting my husband and I approved, answered all my questions throughout the process and had no problems answering texts or having phone conversations. They stayed on top of everything. I would 100% recommend them they are truly the best.
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Cylinda P.

3 months ago

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Solomon Whitmire
Mike was extremely knowledgeable and informative with answering our questions as first time home buyers. He was super comfortable to talk with and made the whole process much less stressful.
Mike was extremely knowledgeable and informative with answering our questions as first time home buyers. He was super comfortable to talk with and made the whole process much less stressful.

Solomon Whitmire

5 months ago

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BabyVampz
Mike helped us so much with the process and made everything so easy. He was also so understanding of our situation and was always easy to reach whenever we needed him!
Mike helped us so much with the process and made everything so easy. He was also so understanding of our situation and was always easy to reach whenever we needed him!

BabyVampz

7 months ago

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Alex Fuller
Mike was awesome to work with. Super fast getting me a pre-appraisal especially since I found a house rather quickly. Set up a chat with him and Beth and they handled anything I needed immediately. Answered and explained questions I had and was sure to ma ...
Mike was awesome to work with. Super fast getting me a pre-appraisal especially since I found a house rather quickly. Set up a chat with him and Beth and they handled anything I needed immediately. Answered and explained questions I had and was sure to make sure I understood everything. Definitely had my best interest in mind and would recommend!
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Alex Fuller

7 months ago

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James Wokaty
I just want to say working with armor mortgage was a excellent experience. This company gets things done. They were attentive, informative absolutely a pleasure to work with . Thank you guys!
I just want to say working with armor mortgage was a excellent experience. This company gets things done. They were attentive, informative absolutely a pleasure to work with . Thank you guys!

James Wokaty

7 months ago

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Jacob Breiding
As a first time homebuyer, I couldn’t have had a better home-buying experience with Mike Bernhart and Armor Mortgage. Mike and his staff are great communicators and are extremely easy to work with. They were always available whenever I needed assistance o ...
As a first time homebuyer, I couldn’t have had a better home-buying experience with Mike Bernhart and Armor Mortgage. Mike and his staff are great communicators and are extremely easy to work with. They were always available whenever I needed assistance or had questions. They relieved all of my stress during the entire process and I’m extremely satisfied.
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Jacob Breiding

8 months ago

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Heather Holcomb
Mike helped my daughter buy her first house. Hands down best experience. He had a first time buyer consultation with her so she understood everything and walked her through the whole process. And had a second consultation when she got her house under cont ...
Mike helped my daughter buy her first house. Hands down best experience. He had a first time buyer consultation with her so she understood everything and walked her through the whole process. And had a second consultation when she got her house under contract. He is amazing and I would definitely recommend him to anyone.
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Heather Holcomb

11 months ago

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Stephanie Hillensbeck
Mike was really great to work with and I couldn't have asked for an easier or smoother transaction. He was always willing to help when I was in the process of searching for a home and was always on top of things. I truly appreciated how hard he worked to ...
Mike was really great to work with and I couldn't have asked for an easier or smoother transaction. He was always willing to help when I was in the process of searching for a home and was always on top of things. I truly appreciated how hard he worked to make my first time home purchase a great experience!
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Stephanie Hillensbeck

11 months ago

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heather mastrangelo
Mike and his team were wonderful from the first conversation. Everyone was kind, responsive, helpful, and very down-to-earth. You could tell that they genuinely care and they all worked so quickly to get my family into our new home. I'm so very appreciati ...
Mike and his team were wonderful from the first conversation. Everyone was kind, responsive, helpful, and very down-to-earth. You could tell that they genuinely care and they all worked so quickly to get my family into our new home. I'm so very appreciative of their assistance. Highly recommend 👌 Thanks Mike, MJ, and the rest of the team. We are loving our home 🏡 ❤️
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heather mastrangelo

1 year ago

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Heather Halman
Mike, Stacy, and the team are very helpful and quick with answering any questions. Very quick close with awesome communication!
Mike, Stacy, and the team are very helpful and quick with answering any questions. Very quick close with awesome communication!

Heather Halman

2 years ago

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John McCartney
Mike and his team were the best at a personally difficult time. They were there at every step ready to answer questions and keep the process moving forward, yet not being pressured or stressed. Shout out to Mike, Kevin, and Sue. Would recommend Mike’s Ruo ...
Mike and his team were the best at a personally difficult time. They were there at every step ready to answer questions and keep the process moving forward, yet not being pressured or stressed. Shout out to Mike, Kevin, and Sue. Would recommend Mike’s Ruoff team to friends and family for a stress free experience.
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John McCartney

2 years ago

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Annette Pisco
I love working with Mike!!! He is the ultimate professional!!! I appreciate his thoroughness and communication throughout the process on both the buyer side and agent. We work as a team on behalf of our clients to get the job done. Thanks again Mike fo ...
I love working with Mike!!! He is the ultimate professional!!! I appreciate his thoroughness and communication throughout the process on both the buyer side and agent. We work as a team on behalf of our clients to get the job done. Thanks again Mike for all that you do for my clients! I look forward to our next deal together!!
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Annette Pisco

3 years ago

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Rachel Finkler
I have done 3-4 loans with Mike. He always makes the process so smooth and easy. He works tirelessly for his clients. I even switched banks to stay with him because I trust him.
I have done 3-4 loans with Mike. He always makes the process so smooth and easy. He works tirelessly for his clients. I even switched banks to stay with him because I trust him.

Rachel Finkler

3 years ago

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Jill Sellers
Excellent experience with my mortgage. Mike did an incredible job.
Excellent experience with my mortgage. Mike did an incredible job.

Jill Sellers

3 years ago

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Damond Anderson
Michael Bernhart is an honest and trustworthy human being, and his integrity as a loan officer is just as impeccable. He closed a mortgage for my brother in under 30 days and the purchase was in Jacksonville, FL. There is not a soul I know that I would ...
Michael Bernhart is an honest and trustworthy human being, and his integrity as a loan officer is just as impeccable. He closed a mortgage for my brother in under 30 days and the purchase was in Jacksonville, FL. There is not a soul I know that I would have a second thought recommending Michael Bernhart and his team to. This is the only endorsement I have every given to a mortgage agent, and it is because I am truly thankful that Michael and I have crossed paths. He is a person I TRUST, and he will earn your trust too!
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Damond Anderson

3 years ago

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Greg Stallman
Michael is a fast, accurate and dependable home mortgage professional!
Michael is a fast, accurate and dependable home mortgage professional!

Greg Stallman

3 years ago

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Jaime Wolfe
As a real estate agent, Mike is my #1 lender recommendation to my clients. It is an easy process for the buyers to apply on his website . Mike follows-up quickly and is honest with buyers about what he can do for them. Previously Mike and I closed an FHA ...
As a real estate agent, Mike is my #1 lender recommendation to my clients. It is an easy process for the buyers to apply on his website . Mike follows-up quickly and is honest with buyers about what he can do for them. Previously Mike and I closed an FHA purchase in only three weeks from start to finish. Another time I was working with a buyer and her lender was charging an astronomical amount of closing costs and not communicating. We were able to move her FHA loan to Mike and he closed it in two weeks for significantly less in closing fees and nearly a percentage point lower interest rate. This is absolutely the lender I myself would work with and who you should work with!
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Jaime Wolfe

3 years ago

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Kim Morgan
Mike and his team are exactly what you should be looking for, for your mortgage needs. They make the whole process streamlined and easy! They have their process down, are fantastic at answering questions and their turn around time is amazing! Caring, up f ...
Mike and his team are exactly what you should be looking for, for your mortgage needs. They make the whole process streamlined and easy! They have their process down, are fantastic at answering questions and their turn around time is amazing! Caring, up front with what to expect, hard working and willing to get it done! Truly no one better for your mortgage needs!!
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Kim Morgan

3 years ago

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Joe Andriette
Mike went above and beyond while helping my daughter purchase her 1st home. He was both very professional and personal.
Mike went above and beyond while helping my daughter purchase her 1st home. He was both very professional and personal.

Joe Andriette

3 years ago

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Luke Johnson
Mike is extremely professional! His team is efficient and very friendly. Impossible to find a better team to work with for refinance or purchase needs!
Mike is extremely professional! His team is efficient and very friendly. Impossible to find a better team to work with for refinance or purchase needs!

Luke Johnson

3 years ago

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Melissa Matthews
Mike Bernhart and his team were a pleasure to work with. They walked us through the process in detail and always made sure we knew what the next steps were. Mike is very knowledgeable, friendly, smart, efficient and looks out for the best interest of his ...
Mike Bernhart and his team were a pleasure to work with. They walked us through the process in detail and always made sure we knew what the next steps were. Mike is very knowledgeable, friendly, smart, efficient and looks out for the best interest of his clients. I will recommend Mike to everyone I know.
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Melissa Matthews

3 years ago

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Carmelo Gaglio
Ive done many new purchase mortgages and refys with Mike over the years and he has always provided the best service and easiest experiences. I highly recommend.
Ive done many new purchase mortgages and refys with Mike over the years and he has always provided the best service and easiest experiences. I highly recommend.

Carmelo Gaglio

3 years ago

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