Licensed in ID, WA — NMLS #1963693
I begin with the payment, cash position, and timing that fit your plans — then walk you through each tradeoff until the numbers are clear.
Loan officerMichael Di Lucca
NMLS#1963693
LicensedID, WA
LenderCanopy Mortgage, LLC
How I work
A loan should fit the payment, cash, timing, and future plans that matter to you.
Talk through the payment, available cash, timeline, and priorities behind the move.
See how loan structure, down payment, credits, points, and reserves change the numbers.
Understand the recommendation, the next steps, and the backup plan if something changes.
What I do
No FHA insurance, no VA guaranty. Conventional underwriting weighs your credit, income, and down payment on their own terms — I confirm exactly where you land.
A smaller down payment or a thinner credit file does not rule you out. I will show you precisely where FHA fits — and where it does not.
VA eligibility is only half the qualification. The lender's own underwriting sets the rest — I confirm both before you rely on either.
USDA financing can cover the full purchase price of an eligible property. I confirm eligibility on the specific address before you commit.
Financing above the 2026 conforming limit of $832,750 is jumbo lending, where loan structure carries more weight than rate.
Refinancing is worth doing only when the new numbers outperform the old ones. I run that comparison before you commit to a new loan.
Mike was amazing to work with on my home loan! He explained the mortgage process clearly to my husband and I as first time home buyers and took the time to answer any questions we had. Mike was super communicative and helped make everything feel smooth and manageable throughout the process.
I am super thankful to Mike Di Lucca. He made the whole loan process educational and broke things down so that we could understand all aspects of the loan process. He cared about helping us make a good financial decision, and mapped out how to achieve them. There was no waiting he just made things happen. Thanks Mike.
Michael was awesome he went above and beyond for my husband and I ! We were so happy with how he communicated to us our options and pros/cons for us! We ended up with a conventional loan and bought our first home in Athol Idaho!
Enter your own numbers — including the interest rate you're expecting or comparing — to estimate a monthly payment. Nothing here is a quote or a rate Michael is offering.
Enter the four loan details to see your estimate.
Estimate for educational purposes only. Not a loan offer, quote, or commitment to lend. Your actual rate, payment, and costs will differ. Contact Mike for figures specific to you.
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Where I work
Moving from out of state?
If you're relocating to North Idaho from Washington or somewhere further away, I put together a guide to the financing side of the move — selling first or buying first, remote income, and buying acreage.
Reach me directly
Coeur d'Alene, Post Falls, Hayden, Rathdrum, Sandpoint, Spokane, Spokane Valley, Liberty Lake
Share the details of your plans, and I will follow up personally.
Prefer email? Email Michael directly.
