Michael Guthneck III

Michael Guthneck III


NMLS #2070281
[email protected]
Cell: 848.210.1992
Fax: 888.712.2216
1200 N. Federal Hwy., Suite 300
Boca Raton, FL 33432



My testament to success is putting my clients first. My communication & transparency are coupled with consumer-friendly technology to make the application and closing process occur with ease. I will put you in the RIGHT loan for your specific situation along with the best interest rate available. I personally speak with all clients directly and NO client will be spoken to by a call center or an assistant. You will receive a personalized experience FROM THE START of your loan request for pre-approval or refinance through your closing.

Please contact me directly if you would like to inquire about the mortgage products available to you for the following reasons:
Purchasing a New Home
Purchasing a Second Home
Purchasing an Investment Property
Refinancing Your Existing Home, Second Home, or Investment Property

I offer Conventional Loans, FHA Loans, VA Loans, USDA Loans, Jumbo Loans and NON-QM loans and I am licensed in a variety of states.

Whether you have perfect credit and income or not so perfect credit and income I am able to assist you and will take the time necessary along with my expansive product selection and knowledge to place you in the right loan. I look forward to assisting you on a mortgage for your forever home, your second home, your retirement home, or your investment property. No homeownership dream will go unfulfilled, so please contact me directly to receive the care and dedication you deserve for your mortgage.

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Understanding Our Loan Process


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Our convenient mobile app makes it easy to stay in touch with your loan officer and view your loan status every step of the way. Best of all, your information and messages are always safe and secure.

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Why Choose Premier Mortgage Associates?

We Really Listen
At PMA, we listen to your needs, wishes, and requirements, and use that information to build the best loan for you. Our seasoned team members are dedicated to making your loan experience a stress-free and seamless one. They ensure the loan products they select for you are based on what you want, not what they think you need.
We Treat You Like Family
Relationships matter, which is why establishing a connection with you is always our first step. Our relationships with clients, realtors, business partners and borrowers last long after a loan is closed—in fact, most of our clients regularly refer their friends and family to us. Their gratitude for how we've handled their loan with white-glove service from origination to close and every tiny detail in between makes us proud to do what we do.
We’re Innovative Thinkers
We are always focused on raising the bar higher and making our loan processes as seamless as possible. We are continually adding new platforms and advanced systems to make our workflows more efficient and our client interactions smoother, so you benefit from the highest-quality lending experience. As a team, we collectively strive to stay ahead of trends as we achieve the goals we set forth for ourselves and for you.
We Use Cutting-Edge Technology
We use the latest, best-in-class financial technology, which enables us to input and store your data securely, and move the loan process through the pipeline without delays. Our highly experienced IT team is committed to ensuring the highest level of client privacy, so your data is always safe and secure throughout the entire loan process.

NQM Funding, LLC (NMLS # 75597) dba - Premier Mortgage Associates; Villa Home Loans; Texas: Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov - nmlsconsumeraccess.org