Built for the Clients Big Lenders Leave Behind.
Express Home Loans was founded on a straightforward belief: the mortgage process doesn't have to be painful, confusing, or slow. Mike Sobh started the company after years in the industry watching borrowers get bounced between call centers, stuck in queues, and handed off to different people on every call — never sure where their loan actually stood.
That's not how it should work when someone is making the biggest financial decision of their life.
Today, Express operates as a boutique brokerage: a tight, well-trained team that shops 30+ wholesale lenders to find each client the right rate and the right program — not just whatever one bank decides to offer that week. The team uses modern technology to move fast (21-day average close) without ever losing the human side of the work. When a client calls, someone who knows their file picks up.
Whether you're a first-time buyer figuring out where to start, a homeowner looking to refinance, or a realtor who needs a lender they can trust with their clients — Express is built for you.