Michael and his team went above and beyond. Exceeded our expectations, Would definitely use agin.
Michael Kerby
Founder & President · NMLS #1163561
A decade-plus of mortgage leadership, focused on communication and on-time closings.
About Michael
A little background.
With over a decade in the mortgage industry, Michael Kerby has built a reputation as a versatile, dedicated professional who gets results. As President of Ignite Loan Partners, he brings deep industry knowledge and a proven track record to every client relationship. His path in mortgage has taken him through sales management, a VP role, and a stint as restructure manager, where he managed and fixed files for a sales floor of over 150 loan officers. His production has consistently earned him a spot in the President's Club.
Michael leads with a simple standard: clear communication, on-time closings, and a range of loan products built around what each client actually needs. He's built his business on strong partnerships with realtors and builders, so clients get real support from first conversation to closing table. Under his guidance, Ignite Loan Partners keeps raising the bar for what mortgage service should look like.
Outside the office, Michael is always chasing the next adventure — traveling to new places, hitting the slopes for skiing and snowboarding, and trying every restaurant worth trying. Family time is where he recharges most, especially trips north to see his mom, dad, sisters, and nieces and nephews. And wherever he goes, his dog isn't far behind.
Client reviews
What Michael's clients say.
9 verified Google reviews name Michael by name. Read all our reviews →
Our experience with Michael Kirby and the team at ignite loan partners was exceptional. From start to finish they made the loan process smooth and stress free. They got our buyer approved quickly, secured the VA zero down financing, and worked with us so there was no contingency on the sale of their house giving our offer the competitive edge it needed to get accepted. Their communication was prompt, professional, and clear every step of the way. If you’re looking for a lender who delivers results and truly supports your offer, we can’t recommend them highly enough!
My girlfriend and I were able to purchase our first home this past August with support and professional guidance from Michael Kerby. We actually tried about 18 months prior but it just wasn’t the right time. When we reconnected with Michael, to my surprise, he still remembered us and our previous conversations which really showcases his commitment to his clients and community. Michael thoroughly explained the different loan programs and made sure we understood the terms we agreed to. We are still very happy in our new home and we are very thankful for crossing paths with Michael and his team. They truly care for their community and the clients they serve which is becoming more and more rare these days. If you need help getting a home purchase done, Michael is the man to call!! He will shoot straight with you, he will give you his professional opinion on the loan options and what may be best for your situation and he will ensure you are properly treated and taken care of during this process. God bless you and your colleagues Michael and thanks for making homeownership a reality for us. The Pratt Family-Arizona-
It was a complex and lengthy process based on my situation. I did not believe I would actually end up closing on a home. Despite the setbacks, Michael went above and beyond by doing everything possible to make it work and sure enough, I closed on a home. Throughout each stage Michael ensured I knew what was going on and addressed any concerns or questions I had. If you want someone who will get it done or at least do everything within their power to get it done, I highly recommend Michael Kerby with Ignite Loan Partners.
Michael and his team at Ignite Loan Partners did a fantastic job from prequalification to closing! Excellent communication throughout the loan process. He went the extra mile to make sure the loan closed and funded on time!
Michael and Brian were awesome! Easy to work with, great communication and always ahead of the loan process. I would highly recommend Ignite Loan partners for any of your lending needs!
From the blog
Michael's take on the market.
Selling · 7 min read
How Much Does It Really Cost to Sell a Home in 2026? With an Agent, and Without One
Selling a home costs more than the commission. Here's the 2026 line-by-line math on what comes out of your proceeds, what the data says about going it alone, and why we still tell our clients to hire a good agent.
Read guide →
Refinancing · 8 min read
What Is a Home Equity Agreement, and Why Don't We Offer Them?
"No payments" is the pitch. A single balloon bill for a share of your home's future value is the fine print. Here's what a home equity agreement really costs, with sources.
Read guide →
Refinancing · 11 min read
How a Reverse Mortgage Actually Works, and Who It's Really For
A reverse mortgage isn't free money and it isn't a trap. It's a federally insured loan with its own math. Here's how the numbers work, who qualifies, and the situations where it fits, with sources.
Read guide →
Market News · 5 min read
What Do the New Mortgage Credit Score Models Mean for You?
Fannie and Freddie just took a concrete step toward modernizing the credit scores behind mortgage approvals. Here's what's actually changing — and what it means if you're planning to buy.
Read guide →
Market News · 5 min read
Housing Inventory Is Splitting by Region — What It Means for Where You Buy
National inventory growth has slowed to a crawl — but the real story is regional. Some markets have more homes than they've had in years; others are still tight. Here's what that means for you.
Read guide →
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