Great Rates with Low Costs!

Exceptional Service with Professional Advice!


Michael at Financial One has been excellent to work with for every mortgage I have acquired in the last 16 years. He is always able to explain the process, understandably and completely. He has been able to find creative solutions when necessary. His rates have always been competitive with other lenders and always lower than the big banks. I will gladly continue to recommend Financial One to anyone needing a mortgage loan.

Matthew Rome

Working with Michael was an absolute pleasure. The rates he quoted were by far the best of any other lender, his level of knowledge made the process of buying our first home comfortable and easy, and he's a very friendly and easy to talk to guy who was able to answer any question we had with ease. Highly recommended, will be sharing his name with all of my friends in their home search. Thanks again, Michael!

Brett Malinowski

We worked with Michael D’Arcangelo to refinance our home. He was very easy to work with & had a “no pressure mentality “. He was quick with numbers to help us determine the best choice of rate & length of term to choose. The process went very smooth. We are very happy we choose to work with Michael & Financial One Mortgage. Highly recommend.

Stephanie Beck

I work with Mike D'Arcangelo, Financial One from 2002 onwards. The mortgage process evolved lot since 2002 and every time it is getting very complicated and cumbersome. Mike made it easy and also explains things. One of hardest I worked with him is closing buying and selling on the someday in 2015. It was challenging, It was possible because of Mike.

Vivek Arunachalam

I’ve been a customer of Financial One for over 20 years. Mike D’Arcangelo is the best single family mortgage broker you will find. He will secure the best rate you can qualify for, at a fair price. Mike explains the process in detail so there are no surprises and does it with integrity.

Jim Shoup

We've worked with Financial One on several mortgages and re-fi's. They are professional, thorough, accurate and reliable. I highly recommend them for your mortgage needs. We'll definitely use them again.

Paul Hixon

Michael was very patient and thorough when explaining the refinancing process. He was very friendly and quick to respond to any questions. Would recommend Financial One to others.

Lucas Elsasser

Michael and I worked through several deals now. Every time he has delivered and will always push/search for the best rate even after locking a rate you would accept during the closing process. Highly recommended!!

Chad E

Mike D’Arcangelo of Financial One absolutely knows his stuff. He’s very good at what he does and knows the industry inside and out. He’s a great communicator and you’ll be kept in the loop at every turn. We’ve been customers for 20 years and we’re always happy with our experience.

Brooklyn Shoup

We have used Financial One for over 14 years. They were always helpful navigating the purchase of a home or refinancing. Michael is on top of everything related to your account and gives you all the details up front with no surprises at the end. When interest rates drop and are worth looking at, except a call from Financial One with new options. I would highly recommend them and I have to many of our friends.

Mindi M

Michael was amazing * he took our case on with much Valor and mastered the complexity of our condition and made it work!! He's amazing did it with style and grace never loosing his composure and kept me calm during the whole process. He's my warrior and savior of refinancing!!! You will never go wrong with having him by your side!!!

Rachel Walker

Michael at Financial One Mortgage is a pleasure to work with. I worked with him on my previous mortgage in 2012 and recently on our next home in 2020. He is always available, quick to respond to questions via email or phone and good about keeping me in the loop when things change. Highly recommended!

Sean Bennett

This is my second time working with Michael to refinance my home and he's exceeded my expectations both times. He spends the time to talk through the details with you and will give his honest opinion & advice. Both times he's secured rates lower than I've found anywhere else and the closing process was seamless. I'd recommend Michael and Financial One Mortgage Corporation to anyone looking to buy or refinance a home.

M Stecky

Michael D********* Financial One Mortgage) has been incredibly helpful through the mortgage process. We used him in the spring of 2017 and just refinanced again in April 2020. He is extremely responsive to calls and emails. His knowledge of different mortgage products will help to make you make the best decision to fit your individual needs. As a repeat client, I would personal use him again and definitely would highly recommend him!


Michael D'Arcangelo is extremely responsive. Will answer your calls anytime day or evening. Keeps you informed all through the mortgage process. Helps you find the right mortgage product to fit your individual needs. We used him in the summer of 2019 to buy a house and just refinanced it in March 2020. Would definitely use his services again and would highly recommend him!

Melissa A.

I am a CPA and work in the Financial Industry. I have worked with Michael at Financial One for three home purchases in the last 18 years. I would not want to go to anyone else. Michael is excellent at what he does, and can walk a customer through the complex computations and strategies as if he's done it a million times. At the same time, he still makes sure you know he's got you completely covered.

Steve Kolecki

I would highly recomend Financial One Mortgage. Michael D'Arcangelo made refinancing my house easy and stress free.

Jeff Rasnick

This process was Smooooth This was easily the smoothest mortgage refinance process I've ever experienced. Michael D'Arcangelo at Financial One Mortgage is truly a professional in his process, his communication with myself and my wife, and his attention to detail. He was also able to save us a small fortune by comparison to other lenders. Mike provided the kind of service and experience that you walk away from knowing that you made the right choice.

Dwight & Pam Allred
Canal Winchester, Ohio

Superlative! Michael is the best. Attentive to detail, with an incredible memory, he was also terrific to work with. I dreaded this process and was a little leery of online contacts, but checked his reviews and the Better Business Bureau and they all gave him top ratings ... and they were right! He helped me through what I feared would be an onerous task, worked through several scenarios to determine the best plan for me, explained what I didn't understand, outlined succinctly what I needed to provide on my end, checked up with me regularly by phone or text, and maintained such enthusiasm and good humor throughout. I recommend Michael whole-heartedly!

Columbus, OH

It was great working with Michael D'Arcangelo. We found him on the internet, and his business happened to be to local to us in Columbus OH. He got us the best rate by far, compared to major banks. Our agent also raved about how timely Michael got the paperwork in, and of course we closed right on time! We highly recommend working with Michael.


Michael and his team are truly wonderful to work with. Michael is always very pleasant, upfront, efficient, and explains the process in simple terms. I had many questions about refinancing and he had helped me make the right decisions. He goes over many different plans with you and helps the customers feel they are making the right financial decision. He is also willing to work on the customer’s time so it’s very convenient for people that have a full time job due to Michael always being so flexible. Truly an A plus experience. It was a pleasure working with him!!

H. S.

Michael D'Arcangelo was an excellent partner on securing a mortgage for our new home. He was incredibly organized, knowledgeable, and thorough, and he and his team worked hard to ensure we had our loan completely and perfectly buttoned up in time to close. We came to appreciate his effectiveness and efficiency even more when we sold our house and had to deal with the buyer's lender - that lender was consistently late, disorganized, and uncommunicative, the complete opposite of Michael. Not only did Financial One offer us the most competitive rate, but Michael provided exceptional service throughout the process. We'd highly recommend Michael D'Arcangelo at Financial One to anyone starting the mortgage process.

Claire Hale

Mike is extremely helpful, intelligent and thorough. Thanks again, Mike!!

William Jeffreys

I found Financial One Mortgage online when searching for a new refi for our mortgage. After a single call, I knew Financial One was going to be a good partner and fit for us. On my initial call Michael D'Arcangelo spent 30+ minutes talking thru several scenarios that could be right for us. He was extremely knowledgable of all the in's and out's of the mortgage process and very personable to work with. He kept us in the loop with every step in the process and was always making sure he was working towards our best interest. We just closed on our new refi and Michael made it flawless - he followed thru on everything from our initial call - we got a great rate, saved a little money and got all the terms we were looking for. I'd use Financial One again in the future and recommend to anyone in the market for a refi.

Dave Klare

Our experience with Financial One Mortgage was fantastic. They had the best rate and Michael was so great to work with! He was professional, worked tirelessly for us, was timely with his communications and got us just what we need. I always knew exactly where things stood in the process. The process was as easy as applying for a mortgage could be.

Betsy Collier

I had two separate mortgages (land and house) I wanted to refinance. Michael made the process easy and got us a very low rate (0.25% lower than anyone else, without buying points). If I ever want to refinance again, I will call him directly to start the process.


Highly recommend Financial One! Micheal is professional, friendly, and excellent at his job. As first time home buyers, he answered all of our questions throughly. I know that we have the best rates and mortgage because of his dedication to what he does.

Kara Cronley

We have now worked with Michael twice. Wonderful experience each time! Very helpful, diligent and hard working. A real pleasure to work with. Great customer service and the best rates we could find! 100% would recommend and work with again.

Columbus, Ohio

Our home buying finance process could not have gone better. Michael explained everything and worked the numbers and paperwork a few different ways to get us the best rate. Michael also had to redo our paperwork a few times because the home buying part of the experience did not go as smoothly as the financial part. Michael was pleasant even when having to redo his work because of house deals falling through. Micheal also helped me remain calm when I was starting to get stressed out. I’ll always recommend Michael to whoever may need him.

Cassia P

Had an excellent experience with Financial One refinancing our mortgage. Michael was very thorough explaining each step of the process and the reasons for all of the information needed and the steps along the way. He explained what the pace would be and an estimated closing date. Michael kept us informed of the progress and made sure we were getting him the documentation in a timely matter to prevent delays. His online system for sending and receiving documents worked perfectly and was easy to use. He provided copies of important documents, like our credit report as soon as it was available. We closed right on schedule and the closing process was easy and convenient for us. I can whole-heartedly recommend Financial One and Michael!

Mike B.

Micheal was recommended by two of my friends (don’t know each others) and I am so glad I chose him to help me to refinance on my home. He was very quick to respond, regardless of the time of day and night. He was very thorough and really goes the extra mile to make you feel comfortable and for the process to go quickly and painlessly. I will use Michael and Financial One Mortgage Corporation for any future purchases and will recommend him to friends and family because of the excellent service.

Phoebe Kim

Financial One took care of all my mortgage needs and gave me a great rate. Michael was especially helpful as my representative. He answered all my questions and I felt that he truly had my best interests at heart. As a first time home buyer I felt very comfortable working with Financial One and would definitely use them again.

Lindsey Billingsley

THE BEST FINANCE EXPERIENCE YOU WILL EVER HAVE. Tonight when you go home, right before you go to sleep, imagine what your perfect finance (or re-finance) experience would be like. The next day wake up and cal Mike D at Financial One because he is still going to beat your expectations. I financed my home at the end of December 2018 and it was an absolutely amazing experience. Mike called me up out of the blue the other day and said hey, interest rates have dropped since you closed want to save a dump load of money with no cost out of your pocket? Who does that people? Your investment banker doesn't even do that lets be honest. Not unless they have an agenda! If you go any other direction with your loan you missed out seriously. You don't need to live in columbus we did it all remote and it was SOOOOOOOO easy. Mikes reach is far and it will be way better than all that wasted drive time and waiting rooms. I refinanced only 6-7 months in and saved well over 100 a month off my payment, and if i keep paying at the same rate i knock years off the loan term and probably 50K in interest. Mike snagged me the best rate that only showed up for a day and a half despite my poor communication. (i happen to be in the middle of a national quiet zone at the time). Mike saved me a Mustang Cobra for retirement! Seriously, this is a real review and my real personal experience. I actually get sad when i think about how awesome this experience has been because some day many years from now i will need a new house or something expensive and Mike may be retired! My total refi was like 4 phone calls, 2-3 texts, couple emails with docs to E-sign which took less than 15 min cause Mike already did all the math and broke it down for me, and they sent the title guy to our house for the closing which took all of 30 Minutes. Literally zero out of my pocket including gas money just big fat savings! Just Big Fat Savings. I cant spell it out any more clear. Call the Man seriously. He is on your side. Sincerely, Real Customer who likes savings made simple.

Trevor F.

This was our second mortgage with Financial One, and both processes have gone smoothly. In both instances, Michael provided us with the best rates I could find, answered all of our questions, and managed the process very well. My son works for a different mortgage company, and his company couldn't touch the rate. I suggested he contact Michael also.

Gordon Jantzen

I checked all over the place for the best rate.... the bigger guys offered competitive rates but Financial One (Michael D’Arcangelo) gave us an even better rate with even better service. I’ve gone through 4 closing processes with lenders in the last 6 years and Financial One was the easiest and best experience to date. They’ve got the experience and know exactly what to do prior to and after closing.

Kristin Villarroel

In this age where frankly it seems impossible to hire reliable, affordable and trustworthy companies, Financial One and the owner has Mike is an absolute mortgage broker expert. He not only has a deep understanding of mortgage options but most importantly he is passionate about spending the time necessary to review and secure the best solution for his customers. I have used Mike for many new and refinance loans. Even with all his personal attention and expertise he continues to provide the most competitive rates. You do not need to look further, call Mike, you will not be disappointed!

Kevin Jones

Mike and Financial One made the whole process of obtaining a mortgage a breeze. From our first contact (late at night no less!), Mike took his time to make sure that we fully understood our options and understood the details of our loan. He did an excellent job communicating, via text, e-mail and phone, and was sensitive to working around our busy schedules. Our loan was somewhat tricky as we were going to be overseas during the crucial few days before closing, but this wasn't a problem for Mike, he was able to expedite completion of our loan, so that we could enjoy our vacation stress free. Thanks Mike!

Justin Rosenheck

We just refinanced with Financial One, Michael D**********. This is about the 12th transaction with Michael. As always, the rate was phenomenal, The service is perfection

Carolyn P.

Michael D'Arcangelo was very helpful advising on the best loan product for us. He also keeps his clients informed all along the process so we always knew where things stood. He was extremely responsive whenever I needed to speak with him. He also helped me navigate some inaccuracies on our credit report which were critical to resolve to get the best rate on our loan. I would highly recommend Michael and Financial One.

Melissa A.

Financial One made the mortgage process very efficient and painless. Michael D'Arcangelo is very professional in all of his communication, never pushy or insistent on immediately running your credit report like many lenders. Financial One knows how to structure very competitive rates, and has a secure portal to rapidly upload required documentation while protecting your privacy. Look no further for a great mortgage company...

James Slavey

Working with Mike was an effortless experience. He was very quick and efficient, closing our loan in a very timley manner. Mike's communication line was always open and he was very quick to respond to any question. I am very happy we chose Financial One Mortgage and would recomend them to everyone.

Brian Manderick

Michael helped my wife and I with purchasing a new home at a great rate - 7 months later interest rates dropped enough that we were able to refinance our home at an even better rate, and save money on appraisal fees - all with Michael's help. Highly recommended!

Nathan Zechar
Mason, Ohio

This is the 2nd time we have worked with Financial One Mortgage and it was, again, an excellent experience. Mike is easy to work with and always advocates for the best financial plan. He is responsive and follows through in a very timely fashion.

Holly M.
Lewis Center, Ohio

Amazing, super easy, efficient experience! Michael is incredibly responsive and managed the entire process seamlessly and painlessly. Highly recommend!

Caitlin Fiordirosa

Financial One, and especially Michael D'Arcangelo were flawless. Constant communication, clear explanations of everything, and zero surprises at closing. Highly recommend Michael and Financial One.

Mark Holbrook

Michael D'Arcangelo is very knowledgeable in refinancing needs of his customers. He is great to work with, and prompt in responding to our queries.

Lewis Center, OH

Working with Michael J. D'Arcangelo at Financial One was the one of the best decisions we made in our house buying experience. He was extremely direct & honest, found us the very best interest rate on the market, and didn't charge us extra "points" get it. Michael answered all of my questions as a first time home buyer, so I truly understood how the loan was structured and how the money would be used in closing. I was able to complete the purchase of my home knowing I was working with someone who was on my side, and I had no worries about closing on time. I have already recommended him to several friends, and hope everyone gives him a call before purchasing their next home!

Kara Cronley

I had a somewhat complex mortgage situation that most lenders I reached out to simply said, "No, we can't do that." When I got a hold of Mike I had already resigned myself to the idea that what I wanted to accomplish wasn't even possible. Not only did Mike make the impossible possible, we were able to clear all the hurdles and close on the transaction in less than 30 days. Mike knew his business, worked fast and communicated very well. We were in synch every step of the way and something I thought was complex and impossible, was completely quickly and painlessly. I cannot recommend Mike highly enough. Thanks again for a tremendous experience!

Mortgage Refinancer
Cleveland, Ohio

Our loan officer worked quickly and diligently - even during off hours - to meet our timeline. He made us feel comfortable and answered all of our numerous questions. Highly recommend!


Financial One is a great company to work with for a mortgage/refinance. I have used them many times and have always been greatly satisfied. Recently, I used them for my refinance and, as always, they were extremely professional, very clear & specific, and expedient. Pre-closing documentation is all handled electronically which makes the applicaiton process easy and efficient. Very rarely do I receive such excellant customer service along with such great value as with Financial One!

LeAnn Jones

Can't say enough good things about Michael and his team helping me refinance my home. They made the process easy to navigate through and were very helpful answering all of my "dumb" questions about the process. If you need a mortgage do not hesitate to call Michael D'Arcangelo for a quote.

Ed Lowe

Michael D'Arcangelo did an excellent job with pulling this entire effort together. His attention to detail, due diligence, professionalism and easy going personality was key in bringing all pieces to the puzzle together. I would highly recommend him and Financial One to all friends, family and acquaintances in the future.

Desirae Payne

Working with Financial One and Michael D'Arcangelo specifically was an excellent experience. Michael's professionalism, experience, and expertise were evident throughout the entire mortgage lending process. We new exactly what to expect for our closing as Michael communicated with us on a daily basis. It was like speaking with a good friend. I highly recommend Michael D'Arcangelo and Financial One.


After working with 2 different loan officers that seemed to have better things to do than help me get a great loan (different companies not affiliated with financial one) the heavens opened, waters parted, and out of a quick google search jumped Mike D of financial one. Now i have to say i was super skeptical about organizing a near 400k loan over the phone with a man I had never met and likely woud not meet during the entire process. However, given that mediocrity has become the norm these days i was willing to try a new experience. This is not my first rodeo and of the half a dozen different loans i have held in my life i can tell you that this man IS the man to call. It doesnt hurt that he has at his disposal the lowest interest rates in the midwest. Knowledge is his middle name and his ability to manipulate the numbers to provide solutions to your concerns or fears is a major strength. Specifically he helped me find a nest egg where i did not think an egg could exist. I consider myself a smart person with a lot of common sense knowledge and Mike was able to present me with ideas and things that i would have never thought of that make the loan portion of my house build simply an afterthought. If you need a large sum of money for a house or whatever and you want to sleep tonight like you just slipped into a tub full of sleeping pills, call and ask for Mike D. Seriously im a real person and im telling you that your search is over just give him one chance. Signed, A new costomer of financial one

Lebanon, OH

Trust Financial One! Mr. D'Arcangelo is great to work with. He is professional in every sense of the word. Extremely knowledgeable. I have had seven or eight mortgages and every mortgage was executed with perfection!

Larry Starost

Michael D’Arcangelo of Financial-One Mortgage was a delight to work with while refinancing my home. He was particularly accommodating of my hearing impairment and willing to work with me by email and by text because phone calls are difficult for me. He was also willing to proceed at a pace with which I was comfortable, and never made me feel pressured or rushed. I appreciate his dedication and professionalism. My only regret is that I didn’t get to meet him in person. Thank you, Michael!

Lynne H.

Mike D. is very friendly, very attentive to detail, and genuinely cares that you know and understand every step of the way and that you make the decisions that best fit your needs, not his

Cincinnati Buyer
Cincinnati, OH

The entire process was easy to follow and understand. Great service.


I cannot give a review that does enough justice for how remarkable my experience was in working with Michael. He went above and beyond what is expected getting me a loan that was perfect for my needs, and explained things along the way, really taking the confusion and anxiety inducing portions out of the process. Whatever your loan needs, Michael is an expert, with decades of experience and will get the job done to your satisfaction. -JC

Joshua C
Huntsville, OH

Everything went as planned during the process and Michael did not make me feel pressured to make decisions that were not in my best interest!!!

Troy, Ohio

I recently worked with Financial One Mortgage, and Michael D'Arcangelo specifically, and was extremely happy with the results. Michael was very responsive to questions (I had a lot), was very thorough in his approach, and quick to get all the proper documentation completed. I live in a small town and at first my realtor was concerned that I was not getting a loan locally - stating that many deals has failed due to the non-local mortgage company not being on the ball and knowing the local market needs. After withing with Michael, my realtor actually told me that he was extremely happy with the progress we had in only a weeks time - that it was as fast or faster than we would have had with the local folks. He was impressed and so was I. The rate I was able to get was also great compared to what the local banks could offer - they couldn't even come close and said that if I could get the rate I told them had been proposed by Financial One Mortgage then I should take it. I did, and have been really happy with that decision.

Glenn D.
Athens, OH

Financial One made the mortgage process very quick and painless. Michael D'Arcangelo is very professional in all of his communication, never pushy or insist on immediately running your credit report like many lenders. Financial One knows how to structure very competitive rates, and has a secure portal to rapidly upload required documentation while protecting your privacy. Look no further for a great mortgage company... James & Maria Slavey

James S.
Dayton, OH

I have worked with Mike three times since 2001 and highly recommend him. He goes above and beyond to make sure everything goes well.

Sue M
Columbus, OH

Excellent as always, we have dealt with Financial One for years.

Debra F - Blacklick, Ohio

Always a pleasure working with Financial One, have refinanced several times.

Marcy M – Vermillion, Ohio

Awesome! Great Service and explanations. Thanks Financial One!

John C – West Farmington, Ohio

Couldn’t have been better, just as the last few times. Financial One is the best in the business!

Kevin S – Streetsboro, Ohio

Awesome!! Wonderful Experience.

Carrie A – Medina, Ohio

My loan officer was very informative and explained everything to me in terms I could understand.

-Laura S. – Cincinnati, Ohio

Terrific! I am a long term returning customer. Your company and my loan officer are always great to work with. Thanks!

Kristie M - Westerville, Ohio

My loan officer was great, always available to help answer questions and walk us through the process.

Mitch L - Worthington, Ohio

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