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Honest and ethical. A name you can trust.


Competitive and competent. Great track record.


Over 38 years serving clients and colleagues in South Florida.


The Biggest Mistakes Homebuyers Are Making Right Now

Some HighlightsWant to know the biggest mistakes homebuyers are making today?They include everything from putting off pre-approval for too long, holding out for the perfect home, buying more than they can afford, and skipping out on hiring a pro. Connect with a real...

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Unlocking Homebuyer Opportunities in 2024

There’s no arguing this past year has been difficult for homebuyers. And if you’re someone who has started the process of searching for a home, maybe you put your search on hold because the challenges in today’s market felt like too much to tackle. You’re not alone in...

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Why Fixing Up Your House Can Help It Sell Faster

 If you’re thinking about selling your house, you should know there are buyers who are ready and able to pay today’s high prices. But they want a home that’s move-in ready. A recent press release from Redfin explains:“Buyers are still out there and they’re willing to...

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Nathan W.

Personal attention, client advocation, direct and honest!

Alfonso Camargo

Great communication and service. Looked out for my best interests. I would definitely recommend Mr. Lux to any friends or family looking to finance a home.

Randy Luis

“Smooth process.”


“Alterra made a complicated process seem very easy and really worked hard so we didn’t have to.”


“The Alterra team made the whole mortgage process simple and easy to go through.”

Jerry Pulles

“Jessica was great at explaining every detail to my wife and I. We felt very comfortable with her and enjoyed the process.”

Gloria M. Ampuero, Broker

“Working with Michael is a pleasure, Michael is knowledgeable and up to date with what is going on with the Mortgage industry. I can feel at ease with how Michael and the Lux team handles the customers I send over. They are on top of all the details directly with the buyer to get the transaction successfully closed. His great amount of patience, professionalism and commitment makes all the difference to me and my buyers. I highly recommended Michael Lux.”

Giovanna Fernandez

“Michael is a results oriented person. No matter the challenge he’s given, he takes it and runs with it. I have full confidence in turning to him for his professional advice.”

Jared Morgenstern

“I would recommend Mike to anyone that needs a mortgage or has Real Estate questions. He has been in the business for quite a while. I have referred him to family, friends and clients and he has been able to help them either with an exisiting mortgage or to get a new mortgage.”

Milagros De Carmen Pinero

Jessica was nothing short of amazing. She was extremely knowledgeable and was always willing to explain each step of the process in great detail.

Roger Clavelli

Overall Experience: “Great” “The entire process from start to closing.

Eduardo G.

Patty will definitely went above and beyond not only providing us with an outstanding and professional service but she was always available for guidance and support during the whole process.


“Mike and his team answered every question in a timely fashion and provided excellent service . My situation had unique requirements, Mike handled them with easy expertise.”

Gustavo Dias

“Michael Lux and his team has made our real estate transaction smooth and simple. He kept my clients informed throughout the entire process. As a realtor, it’s good to know that the lender has strong communication with the clients. As a realtor, I highly recommend Michael and his team. The contract will close. As a buyer, I would would recommend Michael and his team as well. Their rates are simply AWESOME.”

Lisandra Garcia Ortiz

“Great communication!”


“The knowledge of the business made me feel safe.”

Mike Roque

“Jessica was a very knowledgeable loan officer making my first time home buying process a smooth one. Great communication and customer service. Thank you Jessica!”

Stephanie Bardet, CHLMS, CIPS, SRS.

“I met Michael through our toastmaster club and i would recommend him with no doubt to any of my client in need of a loan. He always answer very promptly to any of my questions, you can reach him on the phone and he is always on time, great quality for me.”


“Always on top of everything. In every step of the way the process was expedited and communication was great at all times!”


“Everything!! along this process, your commitment and dedication to help me, I can say that I was a lucky one for having a kind of team like the your, very professional and dedicated.”

Jorge Jesus Berge

Jessica always has great communication. Always follows up with you.

Alfredo Alexander Caraballo

“The communication was spotless. Questions were addressed right away and in great detail. Mike was very professional and provided peace of mind, specially during the challenges COVID brought to the process.”

Mary Lou F Napolitani

“The communication was excellent. Leslie the processor was just awesome on top of everything the file was organized and complete before you know it. Very good team to work with I will highly recommend them to all family and friends and my clients.”

Cheryl A.

“Jessica stayed in contact with us throughout the whole process.”


“All the follow up and Michael and his team helping to guide me through the process to get approved and closed. Thanks.”


“1000 miles away and it was like being next door.”

March 23, 2023

The class was REALLY good and informative. After 50 yrs in this business, I’ve seen/heard a lot and this was among the best.

Thank you,


Jose J. Garcia

“Patty made my home buy experience like something of a dream, she was on top of everything and pulled magic out of hat for me to live in the home that I choose. Patty is a Rock star and a God sent to me and my family.”

Carlos G. Cisneros

“Mike as a friend, has always been willing to lend an ear and give great advice. He is a no-nonsense type of guy and will tell you the truth. I for one appreciate that and value him and his friendship. You can count on Mike for pretty much anything. He has always shown to be a gentleman.”

Sergio Rebollo

“One can find a few good mortgage professionals in South Florida but I have not found one yet who has the heart, empathy and dedication to help those in need.  Michael’s knowledge and experience, coupled with his genuine desire to help homeowners build wealth through real estate sets him apart.”


“It was a very great experience working with u r team , Communications was always there if I had any questions I would call Beverley McKnight and got my answer. So I thank you all for the hard work that was put in.”

Dionelli Rafael Correa

A+ work thanks for the help.”


“Great Experience and customer service.”


“It was a pleasure dealing with Michael Lux he went way beyond his limits to satisfy all our needs and questions I would highly recommend Michael Lux to anyone him and his staff were absolutely wonderful We cannot say enough and thank you so much.”

Eduardo Gabriel Dedos

Constant contact & notification of the process from start to finish.


“Everyone was excellent from start to finish Loan officer, Processor, Underwriter, closer and appraiser. everyone at Altera should receive a raise.”

Eric Joel

“Michael was always available for questions. His team was patient and helpful.”


“For a 1st time home buyer I was nervous and unsure I was making the right decision. Michael was very informative and helped put all my worries to rest. He was very compassionate and he helped make my buying experience a pleasurable one.”

Lina M.

“Michael is my preferred broker because of the prompt and meaningful advice that he provides due to his depth of knowledge in the field. The customer service received by him and his team, in particular Leslie Gomez , has made me a repeat customer. Thank you, Mike and Leslie!”

Helen H.

Javier was very communicative and professional, always able to explain us every detail. Also, I liked that we had not too much bureaucracy, and he had good communication with my realtors.

Ralph John Buonocore Jr.

“Jessica Guzman was fabulous. She hand held me through the whole process. I have passed her name and info on to two others and recommended her very vociferously. I won’t pass their info on to her because if they so choose they can contact her. I do not believe it is my place to give out their info.”

Rick E Dietrick

“This was my first home buying experience and Amaury and his team made it extremely understandable and stress free for my wife and myself. They have a new customer for life! Thank you so much guys!!!”

Christine Stiphany, Realtor BHHS EWM Realty

“I have worked with Michael over the years and can unequivocally and without hesitation, recommend him to anyone who is looking for a highly responsive, knowledgeable and experienced lender.  Michael works around the clock and truly cares about his client.  He routinely has his staff reach out to his colleagues to see if there is anything that he can do to help support their needs. As an added bonus, Michael has a great sense of humor and will keep you laughing and make your transaction fun!”


“I would like to give a special thank you to Michael Lux and Altera Home Loans for assisting me with several of my clients these past few months. We have been able to close 100% of our deals together and even a few that I would have lost as a result of other banks not being able to close with their so called “Pre-Approval”. The customer service of him and his team is 2nd to none and my clients have all been happy. He just did my loan too! Thanks Mike!”

Edward Michael Kammer

“Clean out your voicemail box and she will have everything. She was great.”

Robert Azua

“My name is Roberto L Azua realtor with Coldwell Bankers. I have worked with Mr. Lux in most of my cases, his team has worked extremely diligent to closed my deals in a timely mater. When a client comes to us to start the process the first thing we do is call the Lux team to start the process of the preapproval. Whether you are buying your first home, a new investment property, or building the home of your dreams, Michael lux will confidently and thoroughly assist you from approval to closing. He’s great with doing that via email and text but also takes the time to pick up the phone and elaborate. This skill is rare, especially in today’s world.  Over the years I have worked with several financing professionals, but none stand out as having the same level of service and dedication as Michael does.”

Maria Elena Arias

“I’ve used the mortgage lending services of Michael Lux and his service is the ultimate.  I’ve referred Michael and his team to my real estate agents for years and they have all come back to let me know that he was able to take care of their customer’s mortgage needs and extremely satisfied with their service.  Relationships is the name of the business and Michael has always gone above and beyond to make sure that he is a resource for me as a Broker and for any personal loans that I should require.”

Elena Jimenez

“It is an honor to recommend Michael Lux for any endeavors he is working for. Michael is a strong professional with many skill sets. He has assisted my family and I with our purchases,  refinances and home equity lines of credit in the past. It has been an excellent experience and because he’s been such a great professional to work with,  I highly recommend him.  Every time I recommended Michael to family and friends they have been very satisfied.”

Jackeline Pena

The communication!

Jennifer M. Murry

How much Mike and his team care about helping people and doing the extra mile.”


“All members of team provided great support and follow up, even when I changed scope.”

Rick & Judy Pinoni

“This letter is to tell you how very pleased & satisfied my wife and I are with how working with Mike Lux was such a pleasure.  This was our first home purchase and it was so much easier then I have heard it to be. From the beginning of the process to the closing everything thing went smooth. Everything that Mike told me was right on point, from cost and rates to how everything would go. I have referred him to a couple of friends already and will continue to refer him in the future. Mike was upfront and honest and that is what I appreciated the most.”

Carolyn Martinez

“Working with Mike and his team is always a pleasure.  Mike is a true professional, with his team exemplifying the same.  The processors and underwriters are very knowledgeable, and always willing and able to help in any way possible.

Mike has many years of experience.  This makes working with him and his team seamless.  He makes us feel that any hurdle that may come up is easy to handle.  He was a great disposition with all parties involved in the transaction.  I strongly recommend working with Mike…… you will not be disappointed!”

Emma Machlin – Machlin Realty Inc.

“It was a pleasure working with Michael Lux. He helped me with one of my most important customers. He was informative, patient and was always looking out for my customer’s best interest. Michael’s integrity and knowledge have been amazing and It’s been a wonderful experience working with him.”


“Going through the hole process was a very positive and timely experience with team Lux by my side. Thank you again team Lux!!!”

Margelly D. Silveira Baeza

“You did a great job and steer us in close our first home. Thanks.”

Christian Boswell

“Mike is the only guy I will ever consider for a mortgage. He takes the time to understand your needs, is relentless in getting you the best deal, and amazing on follow up. Most amazingly – given his volume – he always answers his phone, and is always available. A true, customer-focused professional.”

Lina Maria Honig

“Mike had a diverse portfolio of financing products in a time when options are dwindling. Mike is extremely knowledgeable of the offerings and the market which is useful to the consumer. The team worked hard for us to meet our tight deadlines. Leslie has wonderful customer service and made herself available after hours to resolve questions . Mike has a great team.”


“The service was great the process was some what daunting.”

Peter Aleman

“Michael, thank you for always being a champion for my clients. You have represented a number of my buyers and they have nothing but raving reviews about you and your staff. When we had Dawn S. that was a deal I didn’t think we would make it to closing, but your professionalism helped the cause. You are a true champion to our veterans that I know I couldn’t find with anyone else. I appreciate everything you do for my buyers and even some that never bought and still you helped and guided them to do the right thing. Thank you again for everything you do.”


“Everyone was very patient, friendly, and was thorough.”

Timothy Haynackie P.A.

“I really enjoy working with Michael Lux and Alterra Home Loans. As a realtor, working with a knowledgeable and reliable lender is crucial for me and my clients and Michael is just that. His experience in the business allows him to identify any possible concerns well before they become an issue and when he says he can do it, he does it. My clients are guided throughout the process and enjoy a smooth closing with no last minute surprises. I do and always will recommend Michael to my clients since it makes their experience pleasant and makes my job easier.”


“Great customer service from the very first visit and talk about the mortgage. The technology used is awesome as it saves time and allows for the process to continue. The office staff is awesome and very helpful and everyone always answers the phone.”

Samantha Juanita Hisler

“Michael is the best at what he does and is very knowledgeable. He always answered my phone calls whenever I had any questions. Working with him made my experience so easy! I highly recommend him!”

Cristal Daynes

“Outstanding service.”


“Knowledgeable, professional, responsive and caring team helped us get approved and closed on schedule.”

Elky M. Suarez

Step by step guidance and explanation. Was available at any time of the day, way past regular business hours. Friendly, patient, kind and flexible.

Michael Aloysius D’Avanzo

Michael and Leslie went above and beyond with assisting me in buying my first home. I’m so great full for everything they did for me. Will use the in the future and I will recommend him to everyone!

Jon Ricardo

“Patty was on top of her game.”


“He was professional, honest, and we felt he was doing all he could to help us as we purchased our new home.”


“Always great to work with Michael and his team.”

Jason Smith

“Michael is a pro in the mortgage business. He has over 25 years in the business and remains in the business despite a tumultuous mortgage market. He is also service oriented. Recently, he met my client on short notice at his home to discuss mortgage strategy. I appreciated this very much. I recommend Michael Lux.”

Brian Morton

“I have worked with Michael for many years and I have found him to be one of the few truly honest people in the mortgage business.”

Jorge Mercado Sr.

“This is the second house that I purchased using my VA benefits and by far the best and smoothest buying experience. Michael Lux and his team made the process extremely pleasant and informative. I will highly recommend them to anyone interested in pursuing a home purchase!”

Kenny Antonie

“A smooth experience.”

Miguel Antonio Alvarez

Honest advise, availability, friendly relation.

Fadel Christian Kasbar

“I was able to get the Va loan that I wanted. Also received a really low interest rate, on top of being able to pull cash out to do home improvements.”


“Michael was great at communicating everything we needed to know. He was there every step of the way and got us a great rate!!”

Torm M.

“Kept me in the loop and handle lots of stuff behind the scenes I am sure.”

Dr. R.

“Papers needed were processed fast.”

Yanitza Martinez

“Michael and his team are amazing, they all work together to informed you of your best options and work hard for you to get tour dream house and expert advice. This is the second time I go to them for any real state transaction and I will keep coming to them. Thank you all for helping me be a homeowner. Thank you, Yanitza Martinez”


“Outstanding support from begining to end!!! Thank you all!!”

Shardrick Terrence Ridley

“Mike went the extra mile to offer services to a veteran in a unique situation. When he could have easily just said it couldn’t be done, he offered advice and helped to make it happen.”


“Mr. Lux advice and guidance through the process and his relentless approach to provide us with the best customer service he could possibly give made this a GREAT experience.”

Omar Celestrin

Jessica took the time to explain everything in detail. She looked out for us to make sure we were getting the best rate. She has been the ONLY one to follow through and help us to the end of this journey. We had been trying to refinance for a while but, she has been the only one that was able to help us. We can’t thank her enough. And of course Laura at the title company as well. Great communication and assistance!!


August 20, 2021

Michael Lux is a wonderful instructor. Very knowledgeable. He also shows passion for what he teaches.
I learned a lot from this class. And I greatly appreciate the respect he shows for our veterans.

August 20, 2021

Great class! Thank you!

February 24, 2022

Michael Lux was amazing, felt like we have been taking a class with him several days already. Really
educated it class and his knowledge was beyond. Answered every question. Looking forward to next
class with him if any are coming up.

September 24, 2022

Subject should be treated in 4 hours instead of 3.

August 23, 2021

I was very disappointed by his presentation. He was confusing, jumped around, drank bottles of water
throughout the presentation, had his phone on, even looked fatigued and bored. He was talking through
the presentation and forgot to change the slides so if you didn’t print out a copy of his presentation you
had nothing to look at. Finally after page 6 or 10, he would updated the slide.

August 21, 2021

Great! Thank you!

August 24, 2021

Very good and useful content.

July 27, 2022

Michael was very knowledgeable, he also provided in depth information about VA loans that were very
useful to me.

July 27, 2022

Great instructor.

August 20, 2021

It was hard to follow because his delivery was very boring.

August 21, 2021

It was very good class.

Tuesday, November 8, 2022

Michael Lux is just THE BEST, very clear with explanations, knowledgeable, experience and a high
standard with his profession.

February 24, 2022


August 20, 2021

Michael was awesome! Taught very clearly and made 3 hours fly by.

August 20, 2021

Very informative.

August 19, 2021

Nice class. Should be 4hs to have more time to explain certain things.

August 20, 2021

Very much enjoyed the program. Great communicator!

September 22, 2022

I thought Michael was great in class.

December 1, 2022

I was impressed with Roberte’s “inside” knowledge, and how willing was to share it.

July 25, 2023

Education was clear and understandable. I’m suggesting this course to others.

July 27, 2022

Great class, very helpful!

February 24, 2022

Great instructor. He made a boring class entertaining.

December 1, 2022

Very informative!

March 23, 2023

Mr Lux vast experience in the Real Estate Finance was evident. This class was a beneficial tool to learn
about interest rates, types of loan programs and many other subjects from someone that knows how to
explain with ease. I will definitely look for Michael’s classes in the future as I have a lot to learn and he is
without a doubt a great instructor.

February 23, 2022

Information was very well presented by the instructor.

February 24, 2022

I learned a lot from Michael. This class was very much needed.

February 24, 2022

Excellent class!! Great Instructor!!!

December 1, 2022

Michael has a gift of making people feel like they could ask any question and he responded with respect
and some fun. I left with valuable information and I would take any class he would offer. I also really
appreciated his honesty about his slap on the wrist from the board, his take-away.

August 21, 2021

Great webinar. Very informative and educational subject. Thanks.

May 26, 2022

Thank you!

August 20, 2021

Thank you!

August 23, 2021

Very interesting class and made more simple!!

February 24, 2022

Great class, will highly recommend it to other agents!

August 23, 2021

And my opinion I am more clear about Loans and the different process.

August 23, 2021

It was a very nice and instructive class.

February 24, 2022

Mr Lux due to his experience has a great grasp on the mortgage industry. Good Class.

July 25, 2023

Excellent presentation and very knowledgeable! I highly recommend all new agents take this course!

March 10, 2022

The instructor was phenomenal, professional and a great advocate for advancement in the field and
better ways to serve the public.

August 23, 2021

Thank you for the presentation, very interesting.

February 24, 2022

Great Class

August 21, 2021

After an entire day with Gonzalo Mejia, Michael Lux was a tough pill to swallow. He doesn’t present well.
The info was dry and delivery was mechanical. Sorry to say.

Tuesday, November 8, 2022

Great class and very informative class.

March 15, 2023

I throughly enjoyed this class! This instructor had a wealth of knowledge which is relevant to enhance me
as a professional! Excellent use of my time!

November 30, 2022

Thank you Michael lux for a great presentation and a phenomenal work to you all as well as Roberte

February 24, 2022

Loved the class, lots of information, and up to date information.

February 24, 2022

Michael Lux is a good Instructor. Enjoyed class.

July 29, 2022

Awesome class and Instructor!

August 23, 2021

Great course. Highly recommended.

September 24, 2022

Great class. Instructor kept us engaged and materials were presented in an example base case.

August 24, 2021

Excellent presentation.

March 14, 2022

Love the class very informative.

February 24, 2022

I would attend any of his classes.

August 20, 2021

A very good educator, will take future education classes with him.

September 24, 2022

I came away with a clear understanding of the material covered and would recommend this class to all

February 23, 2022

This was a very informative session on VA loans. The material and presentation kept my interest and
gave me a better understanding of the VA loan process. The instructor was very knowledgeable and
made the Zoom session well timed.

August 20, 2021

Excellent subject knowledge.

March 14, 2022

Michael Lux was very knowledgeable. He actually works with Veterans and the loan process; His
experience is what makes this understandable.

February 24, 2022

Excellent class!

February 24, 2022

Thank you, again.

August 23, 2021

The instructor is very knowledgeable. But, in my opinion is like seeing my brother, (who I know him since I
was born) is too relaxing scratching his back, neck, head etc. I understand he can be in the business for
over 30 years; However, he is not enthusiastic, sometimes slow. Thank you.

July 26, 2023

Michael was very professional. Extensive knowledge of the mortgage industry. Will take another class
with him!

February 24, 2022

Instructor and material excellent!

December 1, 2022

Enjoyed it very much. Appreciate the handout.

July 28, 2022

Great instructor and professional 🙂

February 23, 2022

It was timely needed subject material.

March 14, 2022

Great information. Thank you!

February 24, 2022

A very lively and knowledgeable presenter. And equally important : with a sense of humor ! Thank you 🙂

July 27, 2022

Love the class, Excellent teacher and Great knowledge. I would love to take it again!

August 20, 2021

Very informative and I learned new things that I was not aware of. Thank you.

March 14, 2022

Great instructor. Lots of relevant information. Learned things I wasn’t aware of.

August 20, 2021

Thank you for your time and knowledge!

August 23, 2021

Great, enjoyed his class.

February 24, 2022

Thanks Michael Lux, great presentation. Like the jokes! Kept my attention.

Tuesday, November 8, 2022

Excellent class . A long drive to get to this office but it was Al worth it . I learn a lot about the loans that
will make me a better realtor and communicate my knowledge with my customers.

July 28, 2022

Knowledgeable instructor.

August 23, 2021

Very good class, that they will serve me in the future. Thank you.

July 28, 2022

Great course , gained some new knowledge .thank you!

May 26, 2022

I enjoyed the class can’t wait for the next one and I’ll be there again on time.

July 27, 2022

The instructor and the course were excellent!

Tuesday, November 8, 2022

It was a pleasure taking this class. Michael Lux is amazing. Thank you!

July 27, 2022

Excellent & very useful presentation.

February 24, 2022

Enjoyed the class. Learned a lot and will refer to the reference materials going forward when dealing with
my clients.

August 19, 2021

This was my first class with Mr Lux but it’ll be not my last, for sure. I really enjoyed the class and a subject
that usually I don’t.

July 27, 2022

I enjoyed the presentation.

Wednesday, November 9, 2022

So far in my experience either the best of one of the best instructor I have ever had, not only as a Realtor,
but in general.

August 20, 2021

Always something to be learned. Thank you for this unique and informative session.

February 24, 2022

Very good class!!!

March 15, 2023

Michael obviously was very versed on the subject matter. He transitioned into each subject matter with

The air was light and very inviting.
Would definitely take another one of his class should I see it on the schedule.

August 26, 2021


May 26, 2022

Micheal Lux was such an awesome instructor.

August 23, 2021

Great instructor. Very knowledgeable and patient!