Michael Hazen MLO
Here to make the world of mortgages accessible and easy. Based in Nevada County, CA.
Serving clients Nationwide.
my approach
Clarify your options and goals, secure your home with a strong plan, and leverage your equity post-close.
Resource hub
• Pre-Approval Checklists
• Educational Content
• Mortgage Calculators
About Hazen Home Loans
I got into this work because I saw how powerful homeownership can be — not just financially, but emotionally and across generations. A home isn’t just a roof and a rate — it’s a foundation for memories, stability, and long-term opportunity. I make that world more accessible by offering clear guidance, thoughtful planning, and options tailored to your goals.Based in Nevada County, I serve clients nationwide — from first-time buyers and growing families to investors and borrowers with complex needs like land purchases, construction loans, and creative financing. Whether you’re exploring your options, managing a complex situation, or need fast, precise service, I’m here to be your ally and ensure your finances are ready to move forward.I’m a proud dad and family man, raising my kids in the foothills of Northern California. That shapes how I approach this work — I want every family and individual I work with to feel supported, informed, and empowered to build a future they believe in.Backed by Xpert Home Lending and the Brownell Team, I provide personalized mortgage planning, credit guidance, and access to a wide range of loan options. My goal isn’t just to get you a loan — it’s to help you make the smartest possible move for where you are and where you’re headed.
My Approach
A straightforward, strategic process designed to guide you from understanding your options all the way to leveraging your equity after closing.⸻1. Clarify
This is where we get specific: your goals, monthly payment comfort zone, and what “home” means for you.
We assess exactly what you can do now — and if you’re not ready, we create a clear plan to get you there.
This stage includes a full pre-approval, giving you confidence in your budget and locking in your target monthly payment.⸻2. Secure
Here’s where your plan becomes reality. I work with your Realtor, advocate with listing agents, and structure offers to make you the competitive choice.
From offer to accepted contract and through escrow, I’m actively ensuring the transaction goes smoothly and strategically — giving you confidence every step of the way.⸻3. Leverage
After closing, we stay connected. I help you reduce interest over time, protect and grow your equity, and identify opportunities to build wealth, stability, and future options — whether that’s improving your home, investing, or planning your next move.
RESOURCE HUB
These tools are to help you get a rough idea of what your mortgage payment could be based on national averages. We will calculate the exact amount upon reviewing your financial documents and prospective purchase.