Meet the Team

Mike Sapida

MLO 1564055

Mortgage Professional


Mike is a licensed loan originator at Columbia Funding Mortgage. Originally from Norwalk, California, he joined the Navy and was initially stationed in Bremerton, December 1997. While on active duty, he spent a brief period in California until he moved back to Washington June 2004, with his girlfriend at the time, Sarunya. Since then they have married and raise two rambunctious boys, Isaiah and Elliott, in Lake Stevens.

Mike is a retired Navy Chief Petty Officer of 20 years who spent most of his career stationed throughout naval the bases in western Washington including 3 tours of duty on the USS Carl Vinson, USS Abraham Lincoln, and the USS John C Stennis.


Channeling the experiences and skills he gained in the military, Mike’s friendly approach makes him easy to work with to navigate the complexities of the home buying process. Each client is different making each loan scenario equally different and unique to that client. Mike understands this and emphasizes constant and precise communication between his clients and himself to ensure that the process is as smooth as possible and easy for them to understand. Additionally, he has first-hand experience with Veteran’s Assistance loans specializing in working with active duty and retired military families.

How to Work With Mike:

During normal business hours, call Mike at the office at 425.357.1044 and if you need mortgage advice after business hours, he is available on his cell phone at 562.964.9339 or his email at Mike is bi-lingual where he is fluent in English and Tagalog. Weekends and evening appointments are available to accommodate his client’s busy schedules but this customized service requires that clients first submit a no-obligation online application by visiting this website’s home page and clicking the red apply now button. While initial communication can be via telephone, email or website, Mike always meets with his clients to ensure he understands their needs and ultimately provides the right loan and advice for their particular scenario.

Articles by Mike

  • Saving for the Future

    July 12

    I want to take a step back from mortgage for a moment and talk about retirement. I’ve been talking to friends recently about retirement and what my wife and I have been doing to prepare for it. Our goal is to be retired-retired by 60 years old. I’m surprised to find out that some of them haven’t really given it a second thought. At our age, unless you’ve come into some sort of inheritance, I feel that saving for the future is imperative. The following article is a simple way to strategically save without significantly impairing your lifestyle now. The part about past, present, and future money had my wheels turning. Give it a read and let me know what you think. Also, if you are interested in consulting a professional to help you with your goals, I know the perfect people to refer you to. Give me a call.

  • Veterans Choice Program Extension

    May 4

    As most Americans these days, I have a small window opportunity every day to sit down and actually read about the news.  With networks prioritizing news of tensions building up abroad, it was no surprise that the recent bill president Trump just signed to improve veterans health care fell below the news radar.  The bill is meant to improve the program by removing the August 7th, 2017 expiration date.  In a nutshell, the program allows veterans to utilize private health care if for certain reasons, the closest VA medical facility is not able to provide treatment within 30 days, the facility is more than 40 miles away from the member’s residence or travel to the facility for the member is too arduous.  If not for the bill, this crucial program for our vets in need would have disappeared.  Being in the Pacific Northwest, the geographical location of most veterans in need of treatment fall under at least two of the situations that qualify for this program.  As a veteran myself, it is my duty to spread the word to as many people as I can to get awareness of this.  If you are a veteran or know of one who may qualify for this, click here to get more information.

  • Happy Birthday Navy Chief Petty Officers!

    April 6

    To most Americans, April 1st is a day of play, finding creative ways to trick their friends and family.  On the same day of every year since 1893, United States Navy Chief Petty Officers have used this day to remember those who have served and are currently serving the world’s finest Navy.  Regarded as the birth of the rank of Chief Petty Officer, Navy Chiefs around the world take the time to celebrate and honor 124 years of Leadership and keeping Navy tradition alive.  Cheers to my brothers and sisters!  To read about 10 interesting facts about the Navy Chief Petty Officer, click here.

  • Misconceptions about VA Home Loans

    March 28

    Just the other day I was talking with a friend who was surprised that I was able help them with a VA approved home loan.  This brought to light that some service members have a misconception that VA loans can only be done by banks like Navy Federal Credit Union or USAA.  FACT: We can help qualified members use their VA home loan benefit.  To read about more myths pertaining to VA home loans click here .