Originator Portrait

Michael Lettre

Sales Manager NMLS #: 6388

17 Main Street
Netcong, NJ 07857

Michael Lettre

Sales Manager
NMLS: 6388

Michael Lettre

Mike is the Sales Manager of AnnieMac Home Mortgage in Mountain Lakes, NJ. Mike has been originating loans since 1979 and has served as a branch manager since 2005. His relationship with his clients is based upon four main principles: SERVICE, TRUST, HONESTY & ETHICS. His goal is to provide his clients with fair mortgage rates at reasonable prices, while keeping his clients informed and educated throughout the process. We are friends and mentors to our clients as well as quality service providers. Using these principles, he and his sales team have been successful in helping families experience the ultimate dream of home ownership.
 Mike and his team have expertise in the following areas:
• FHA Loans
• FHA 203k loans
• VA loans
• USDA loans – 100% financing
• Conventional/Conforming loans
• Jumbo loans up to $5 million

Call today to receive a preapproval and obtain expert advice concerning your real estate needs.

Certificate of Completion Military Housing Specialist

Our Products

Conventional Loan

A conventional home loan is a mortgage that is not insured by the federal government, so their terms are more flexible than USDA, FHA or VA loans. Offering low interest rates, they’re a great fit for customers with good credit and financial stability who can afford a down payment.

FHA Loan

An FHA loan is a mortgage designed for low-to-moderate-income borrowers. Insured by the Federal Housing Administration, FHA loans require a lower minimum down payments and credit scores than many conventional loans.

VA Loan

Created by President Franklin Delano Roosevelt as part of the original Servicemen’s Readjustment Act of 1944, VA loans help create homeownership for service members who sacrifice so much for their country, yet don’t have a fair chance to establish a credit rating because of their service.


The United States Department of Agriculture developed this mortgage option to improve the economy and quality of life in rural America by encouraging the purchasing of rural land. USDA loans are issued through the USDA Rural Development Guaranteed Housing Loan Program, and you might be surprised how feasible it is to qualify for one beyond what most would consider “farmland”.

We Provide More

More Resources

From blogs to guides and access to our mobile app, you'll always be armed with the knowledge you need to stay well-informed about your loan.

More Support

Our mission is to provide you with industry-leading customer service each and every day. Reach out to us, even after your loan is signed, sealed and delivered!

More Solutions

Mortgage loans come in many varieties, just like our customers. That's why we offer a wide assortment of products with unique benefits, terms, and requirements.

More Humanity

AnnieMac Home Mortgage is committed to supporting the communities in which we serve. Click here to learn more about our mission to give back.

Assess Your Situation

Do you have a minute to discover if now is the right time for you to buy a new home or refinance your current mortgage? There’s no need to guess. Instead, take our simple 60-second quiz and find out for yourself!

Crunching the Numbers

If you are considering the idea of buying a home or refinancing your existing one, would you like to see what your monthly payments might look like? Our easy-to-use calculators can give you a glimpse into your future.