About Michelle
Over 28 years of helping Californians navigate the mortgage process — with clarity, speed, and personal service.
To provide every borrower with a streamlined, transparent path to the right loan.
To provide our borrowers, agents, and business affiliates with a streamlined loan financing process — delivering exceptional service, competitive pricing, and an array of loan programs. Our industry knowledge and lender relationships make us uniquely qualified to help clients select the best product for their needs now and in the long term.
Michelle Bendersky
I don’t just find you a loan — I find you the right loan. And I stay with you long after closing.
With over 28 years in the California mortgage industry, I’ve helped thousands of borrowers — from first-time homebuyers to seasoned investors — navigate the lending landscape with clarity and confidence. I’ve built my reputation on speed, transparency, and doing right by my clients every single time.
Before founding My Loan Underwriters in January 2009, I built a track record of top performance at World Savings and Wachovia Mortgage — earning national recognition for production, improvement, and client results. That same commitment drives everything we do today.
My Loan Underwriters works with an array of lenders, giving our clients access to programs and rates that simply aren’t available when you go directly to a bank. We shop the market so you don’t have to.
"My clients don't get handed off to a junior processor. They get me — from the first call to the closing table."
As Featured In
Ron Vaimberg International
Mortgage Professional Superstar Profiles
What Sets Us Apart
Since 2009, My Loan Underwriters has served Southern California with an extensive portfolio of real estate loans — residential, investment, and commercial.
Licensed Mortgage Broker
California Department of Real Estate licensed broker with full compliance — DRE #01860630 · NMLS #328255. You're protected every step of the way.
A Wide Lender Network
We shop your loan across more than 30 lenders — accessing programs and rates that simply aren't available when you walk into a bank directly.
Free Pre-Qualifications
MLU offers free pre-qualifications for all purchase and refinance borrowers. Listing agents across Southern California rely on MLU to verify buyer readiness.
Award-Winning Speed
Named Fastest Closing Mortgage Broker by Rocket Pro TPO in 2023. Speed matters — and we've built our entire process around closing your loan faster.
A Program for Every Borrower
From conventional purchases to complex investor scenarios — if there’s a loan that fits your situation, we’ll find it.
Conventional & FHA/VA
30yr, 15yr, 10yr fixed · ARMs · First-time buyer programs · 3% down options
Bank Statement / DSCR
Self-employed & investor programs · Qualify on property income · No tax returns needed
Jumbo & Foreign National
Loans up to $10M · Foreign national programs · Hard money financing
12+ Awards & Recognitions
Fastest Closing Mortgage Broker
Rocket Pro TPO
Captains of Industry Honoree
Greater SFV Chamber of Commerce
CA State Senate Certificate of Recognition
Senator Bob Hertzberg, 18th District
Ready to Work With Michelle?
The first step is a simple conversation. Michelle answers personally — no assistants, no runaround.