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Michael Kidwell

Vice President, Senior Loan Officer, NMLS# 704428
Focused on helping home buyers save more and close on time.

Bio

Michael Kidwell is dedicated to guiding first-time homebuyers with clear advice, competitive loan options, and a strong commitment to closing on time—every time. Backed by Leader Bank’s efficiency and his own deep expertise in Fannie Mae/Freddie Mac, MassHousing, FHA, VA, and low-down-payment programs, Michael ensures clients secure **low rates** and make informed decisions with confidence. He specializes in translating complex lending rules into straightforward, personalized strategies, helping buyers understand what they qualify for—and how to maximize their purchasing power without surprises. From application to closing, Michael’s goal is simple: provide dependable, timely service and make homeownership accessible. If you're ready to take the leap, Michael is ready to make it smooth, affordable, and on schedule.

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Chairman's Club

 

President's Club

NMLS#
704428

Needham Loan Office
160 Gould Street, Suite 205
Needham, MA 02494

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Tools

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Additional Resources

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Mortgage Blogs

Check out our mortgage blogs for the latest home loan news!

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Mortgage Calculators

Use our collection of calculators for all of your homebuying needs.

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Explore Mortgage Products

Check out the different home loan options available, including low mortgage rate and down payment options.

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Explore the Loan Process

Learn

Learn all you can about the loan process and ask lots of questions.

Apply for Loan

Complete, review, and submit your application. This will set the process in motion.

Connect with a Loan Officer

Your loan officer will reach out to you and review your application with you.

Credit Check & Prequalification

We will assess your credit, income, and assets to quickly determine what loan(s) you qualify for.

Documentation

Paperwork is still a big part of the loan process. We will email you forms to sign and a checklist of documents we’ll need.

Rate Lock & Appraisal

Once we’ve discussed the loan amount, the type of loan, and the rate that’s best for you, it’s time to lock in your rate and order your appraisal.

Underwriting & Approval

Our underwriting team will review and issue a decision detailing any conditions necessary for final loan approval.

Clear to Close

Once we have cleared necessary conditions our underwriting and closing team will make final preparations to close.

Closing

Loan documents are delivered to the closing attorney. The attorney will contact you to arrange a signing.

Funding

Once the signed documents are returned and reviewed, the closing attorney will request a wire transfer of the loan funds.

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