Miami Mortgage Broker

About On-Mortgage

We are passionate about helping small business owners, contractors, and Real Estate investors, swiftly and efficiently finance their investment goals. We customize our loan options for each unique project investment needs. No Upfront Fees! No Junk Fees! No Tax Returns!

OnMortgage provides access to funds, ensuring that all your real estate investment goals are obtainable. Our team is dedicated to assure the best possible options for our prospective borrowers.


Michael Schoonover was born in Kansas City, where he honed his skills on the football field, wrestling mat, and lacrosse field during his high school years. Despite humble beginnings, Michael is the first in his family to pursue higher education, a journey that led him to Florida. Determined to finance his studies independently, he juggled multiple jobs, facing the challenges of navigating a new state.
His entry into the mortgage industry marked a pivotal moment in his career trajectory, with stints at esteemed institutions such as PNC Bank, EverBank, Citi Bank, and TIAA. Michael keenly observed the limitations imposed by rigid lending criteria, recognizing the barriers it posed for deserving borrowers. Motivated by a commitment to foster inclusive homeownership, he ventured into entrepreneurship, founding his own mortgage brokerage 2019.
Michael’s ethos revolves around a profound belief that lending should transcend mere numbers, acknowledging the unique circumstances of each client. His innovative approach revolutionized lending practices, extending opportunities to self-employed individuals, those with lower credit scores, and modest down payments. Rejecting the one-size-fits-all mentality of traditional banks, Michael champions a personalized, empathetic approach to fulfill his clients’ dreams of homeownership.
Beyond business, Michael’s passion for community service and dedication into supporting the Miami Rescue Mission, a local organization dedicated to aiding the homeless. Additionally, he finds solace and community in his religious affiliation, attending St. Patrick Church alongside his wife, Yanitza Schoonover, a respected attorney in Miami.
Driven by a profound sense of purpose, Michael Schoonover epitomizes the spirit of entrepreneurship, compassionate leadership, and altruism, striving to make the American dream of homeownership a tangible reality for all.

Great customer service

At OnMortgage we take pride in our great customer service. Our staff is here
for you, so don’t hesitate to contact u s if you have any questions or

Clients come first

We make sure our clients get the best support from our staff. We will walk
you through the whole mortgage process and ensure your transactions
close smoothly.


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