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About Us

Our Team

Michael Takeda

Loan Officer

NMLS 465201
DFPI #465201

Phone: (805) 794-4408

Apply With Michael Takeda ›

Michael Takeda

About Michael

Whether you are purchasing a home or refinancing your existing one it is to your advantage to work with someone who has time and experience on your side. My experience includes 7 years as a top producing loan officer for one of the largest national banks and has given me the deep understanding of negotiating my clients through the complex issues of financing their real estate transaction. No longer limited to a single bank's products, I can now work on your behalf maximizing the potential for the best loan by having the ability to negotiate your particular situation with the top rated mortgage banks in the country. For rate inquiries, general questions, or to start the loan process, please contact me anytime at 805-794-4408 or email me at

You can contact me just about any time but early Saturday and Sunday mornings you will find me at Ventura harbor's Kiddie beach with my water crazy golden retriever, Luke. I am a lover of the sea and mountains. I love freediving our local coastline as well as the pristine Channel Islands and if you don't find me there then maybe we'll run across each others paths up on the many trails behind Ojai. Mountain biking is my favorite sport up there and look for me biking single track trails like Gridley trail or riding with friends on Sisar canyon road.

Applying for and closing a mortgage can be a frustrating process; from shopping for the best rate, dealing with paperwork, to hoping you get excellent service and someone who will respond quickly to any of your questions. I can help you will all of that. As a national direct lender, CSMC Mortgages' primary mission is to effectively and consistently provide the best products, support, and services to every client. My outstanding mortgage team will work with you one on one to ensure you get the financial solution that is tailored specifically to meet your financial needs. Whether you are purchasing your first home, refinancing your current home, or consolidating debt, my highly experienced team can help you find the right loan program for you. I am easily available and you can contact me directly at 805-794-4408 by voice, text, or email me at I'll make sure my staff and I see that you are completely satisfied with your decision to make your purchase or refinance with us.

“I worked with Mike Takeda to secure a mortgage loan on a new home. All through the process, Mike was amazing! He was available, helpful, really communicated everything - he took as much time as I needed to understand all the details. He helped me get through what can be a very stressful process with understanding, and a great attitude. I really felt that he was one my side, worked directly with all the realtors, title company and insurance people directly to streamline everything. I am in my new home, and so grateful to Mike for all his efforts to make this happen for me!”

- Toni D.