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Steven Mack

Steven Mack

Loan Officer

NMLS #1708414

Licensed in: Florida · Michigan

+12693251779

steven.mack@loanfactory.com

About Steven Mack

I was born and raised in Michigan, but adventure has taken me all over the country. I’ve lived in six states—including California, Hawaii, and Florida—and I’m happiest when I’m traveling, spending time outside, or somewhere near the beach and water. These days, I call Fort Myers home, along with my Chihuahua mix, who my mom found abandoned on a bridge, and my tuxedo cat, who was rescued from inside a Redbox in Tucson. Clearly, rescue stories have a way of finding me.

My passion for real estate started in the 2000s, watching Million Dollar Listing with my mom on our brand-new flat-screen TV. That interest eventually led me to become a licensed real estate agent at just 18 years old. Working as an agent gave me firsthand experience with the entire homebuying process—and showed me how much the right lender can affect a transaction.

I struggled to find a lending partner who could truly do it all: provide excellent service, use great technology, communicate reliably, handle complicated scenarios, and still offer clients highly competitive pricing. That experience ultimately inspired me to become the kind of mortgage professional I had always wanted in my clients’ corner.

The road that brought me here wasn’t exactly a straight one. I eventually left the West Coast in search of a slower pace and a more affordable life back in Michigan. But after discovering that my Michigan house needed quite a bit of work—and that travel-trailer living gets awfully cold there—I headed south to explore. A friend from Hawaii invited me to visit Fort Myers, and Florida quickly began to feel like home.

At the time, I was working remotely in a leadership role at Allstate Corporate. Although it looked like a good career on paper, the work was stressful, and I didn’t feel as though I was doing what was right for me—or making the kind of difference I wanted to make. I eventually took a leap, left the corporate world, and built a successful dog-care business here in Fort Myers. That experience taught me even more about responsibility, entrepreneurship, trust, and what it means to personally care for the people—and pets—who depend on you.

I also began building my career as an independent mortgage professional with Loan Factory. Through Loan Factory, I have access to more than 200 lenders, modern technology, an extensive range of loan programs, and pricing backed by a $2,000 Best Price Guarantee. Whether you’re buying your first home, refinancing, investing, self-employed, or dealing with a situation that doesn’t fit neatly into the traditional lending box, my job is to explore the options and help you find the right path forward.

My background as both a real estate agent and business owner allows me to understand more than just the numbers. I understand the transaction, the emotions behind it, and how overwhelming the process can sometimes feel. I believe in communicating clearly, answering questions without judgment, and treating every client’s situation with patience and compassion.

I’m experienced, but casual. I take the work seriously without making the experience stuffy or intimidating. Most importantly, I’m passionate about doing the right thing and giving my clients honest guidance—even when the best answer isn’t necessarily the easiest one.

Whether you’re ready to apply or simply have a few questions, I’m always happy to talk.

What's in your report

Everything You Need to Know

Your personalized mortgage report gives you a complete picture of your home's finances — from equity to savings opportunities.

Home Equity Snapshot

See your estimated home value, current loan balance, and how much equity you've built — updated with real market data.

Estimated Net Equity

Payment Breakdown

Understand exactly where your monthly payment goes — how much is principal, how much is interest, and your payoff timeline.

Monthly Payment

Extra Payment Savings

Discover how paying a little more each month can save you thousands in interest and shave years off your mortgage.

Potential Savings

Refinance Opportunities

Compare current market rates across 15, 20, and 30-year terms to see if refinancing could lower your costs.

Best LIVE Rate

Cash-Out Options

See how much cash you could access through a cash-out refinance or home equity line of credit.

Maximum Cash-Out

Total Cost Projection

See the total cost of your home over the life of the loan — including both principal and interest payments.

Total Home Cost

Your Report in 3 Simple Steps

We Pull Your Property Data

Using your address, we gather real-time market data, your estimated home value, and public loan records.

Review Your Personalized Report

Get a clear breakdown of your equity, monthly payments, amortization schedule, and current refinance rates.

Explore Your Options

See how much you could save by refinancing, making extra payments, or tapping into your home equity.

Reviewer avatar

I had no idea how much equity I had in my home until I ran this report. It showed me I could refinance and save over $300 a month — plus I could see exactly where every dollar of my payment was going. It's the clearest picture I've ever had of my mortgage.

Sarah Mitchell

Homeowner, Austin TX

Ready to Work With Steven Mack?

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