At the age of 19 I went to Wall Street, I learned about stocks and how to trade them.   I saw how Investment Banking works, the good bad and ugly.    There was one really good guy, who was a commensurate professional, understood the business backwards and sideways, and did NOTHING but make money for his clients.   Great guy, I learned a lot from him, but mostly realized that he had the relationships with his clients that he did because of the way that he cared about them, and had an utter stranglehold of an understanding of what he was doing with their money.      Greg's still there, doing very well.

I made my money mowing lawns as a kid....service equals reward, something Greg said/lived by.   In other words, if you're not doing something useful or good for the client, why are they paying you?    Simple.

My early years of experience in the mortgage business taught me how to deal with credit issues, negotiate/find foreclosure bailouts, leverage equity and cash flow, how to effectively shop deals for my clients, some of whom have become good friends. 

Perhaps most importantly and rewarding thing I've been able to do for people is to give them a roadmap to strengthen their financial health.    Thankfully I was able to help many people consolidate their debts and lower their cash out flow, WITH a plan, before interest rates rose to where they are today.    It's truly a very satisfying feeling to be able to help someone save thousands of dollars, repair their credit, start investing, and get on the path to a brighter financial future. 

As a mortgage professional, I'd helped save numerous homeowners from foreclosure and always wished I could help the ones who I didn't have an out for, I've always referred them to solid realtors should they want to get out of the house.   

I wasn't a real estate agent and becoming one wasn't an imperative for me at the time. 

The recent shifts in today's market have left many prospective borrowers and buyers unable to get financing they might have previously qualified for.   Worse yet, many homeowners are "upside down" in their homes value, ARMs are recasting, defaults are increasing, foreclosures fueling the fire.

I moved to Florida for numerous reasons.   New Jersey was fun and I've met so many wonderful people there.   I know top notch realtors, lawyers, title firms, CPA's, tax preparation professionals, bankers, brokers (real estate, mortgages, and high line automobiles), appraisers, auto technicians, construction professionals, custom builders.

Florida has been nothing but good to me.   As I get to know the community and the people, I'm all the more glad I moved here.    I meet friendly, embracing, good people, many of whom came here to start new chapters in their lives, as I did.    I'm very optimistic that I'll be an asset to the community and its real estate businesses.  

I invite anyone to call upon me on anything they might be in need of.   Building relationships and being a friend to my client has always been a pillar of my professional life.   My team and I strive to deliver outstanding product and service within our scopes of business and referring our clients to qualified people who can serve their needs in other areas.

Michael J. Urbinato

239-200-5742 Cell

866-909-9449 Toll Free

mikeurbinato@gmail.com

Shortly after moving to Cape Coral, FL with a background in foreclosure bailouts and credit repair, I met a duo of foreclosure Realtors - we teamed up, combining our expertise and abilities to create Team Dynamic, Cape Corals leading short sale and foreclosure prevention specalists.

Together, our ablities encompass;

Short Sales / Foreclosure Prevention - My team is proficient at negotiating with lenders and finding buyers, creating solutions for both sides! 

Credit Repair - I have a intimate knowledge of how credit works.   Working with me can save you money on credit repair alone.

Infinite Financing Avenues - I can find the right financing options to suit your specific parameters and goals.  

Cradle to Grave Planning - Explaining where these financing choices will bring you, I help you map your plans; entry and exit.

Long Term Goals - Real Estate is proven to be a tremendous wealth building vehicle.   Together we create a portfolio, based on your goals.

Rental Property Management - I handle rentals for our team.    I find tenants, bring in top notch property maintenance professionals.    Given so many properties sitting vacant, and a suprising number of owners having paid cash, I happily find tenants, bringing them thru a qualification process, and will work with landlords in many ways to make being a landlord less painful.    Having tenants in a property undergoing a foreclosure makes the property more valueable to potential buyers, and therefore easier to market.

Anna is someone I've been counseling on credit issues so she can be best postioned to buy a house.    She wrote me TWO testimonials!  Thank you so much Anna! 

Mike Urbinato is awesome.  Not only did he send me all the forms necessary to debate misinformation on my credit reports, he talked me through the things I needed to do to boost my credit-ie; credit cards and open loans.  He instructed me on dealing with creditors and the deals that can be made to correct financial situations.  He knows virtually everything there is to know, whatever question I threw at him he answered it!  This man has a stockpiling of information and gives it out for free!  Because of this, when the time is right (when I find the house I want), he will be the only one I let handle my mortgage dealings.  No more smarmy sales tactics for me!   Thank -You Mike!

Anna Lieb

Dear Mike,

      I am so grateful that you took your time with me regarding my credit issues. The form letters you e-mailed me were so helpful. You have a wealth of knowledge that you shared with me willingly, happily and above all FREE!  They don't make helpful people like you anymore- if there are any they are hard to find. Because of you I will be able to purchase a home when the right one comes along.  My whole family will be affected positively for years to come.   After all of the help you provided, I wouldn't think of sending my loved ones to anyone else for a mortgage but you. I feel safe there will be no "used car salesperson" techniques used.   Thank you for restoring my faith in credit lenders and people.

Anna Lieb