About Us

Welcome to OnMortgage

We specialize in residential mortgages.

At OnMortgage, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available and their loan programs are one size fits all. We have relationships with many lenders. We will find the lender that offers rates good for your scenario. No matter your needs, we are here to help.

mortgage loans
  • Great customer service

    At OnMortgage we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you.

  • Clients come first

    We make sure our clients get the best support from our staff. We will walk you through the whole mortgage process and ensure your transactions close smoothly.

  • We offer superior loans and mortgages.

    OnMortgage works with multiple lenders. We can provide our clients with extremely competitive pricing. Now you can do all your comparison shopping with one company without wasting time with several banks or brokers.


Michael Schoonover was born in Kansas City, where he honed his skills on the football field, wrestling mat, and lacrosse field during his high school years. Despite humble beginnings, Michael is the first in his family to pursue higher education, a journey that led him to Florida. Determined to finance his studies independently, he juggled multiple jobs, facing the challenges of navigating a new state.

His entry into the mortgage industry marked a pivotal moment in his career trajectory, with stints at esteemed institutions such as PNC Bank, EverBank, Citi Bank, and TIAA. Michael keenly observed the limitations imposed by rigid lending criteria, recognizing the barriers it posed for deserving borrowers. Motivated by a commitment to foster inclusive homeownership, he ventured into entrepreneurship, founding his own mortgage brokerage 2019.

Michael's ethos revolves around a profound belief that lending should transcend mere numbers, acknowledging the unique circumstances of each client. His innovative approach revolutionized lending practices, extending opportunities to self-employed individuals, those with lower credit scores, and modest down payments. Rejecting the one-size-fits-all mentality of traditional banks, Michael champions a personalized, empathetic approach to fulfill his clients' dreams of homeownership.

Beyond business, Michael's passion for community service and dedication into supporting the Miami Rescue Mission, a local organization dedicated to aiding the homeless. Additionally, he finds solace and community in his religious affiliation, attending St. Patrick Church alongside his wife, Yanitza Schoonover, a respected attorney in Miami.

Driven by a profound sense of purpose, Michael Schoonover epitomizes the spirit of entrepreneurship, compassionate leadership, and altruism, striving to make the American dream of homeownership a tangible reality for all.

Our Reviews