Mike Borba

A Legacy of Experience. A Reputation Built on Trust.

Some mortgage professionals build their careers around transactions. Throughout his career, Mike Borba has been building something far more valuable: relationships, trust, and a reputation for doing right by the people he serves.

Mike began his career as a chemist with Sunkist Growers. He has been helping homeowners with mortgage financing since 1992.

What followed was a career spanning decades of changing housing markets, fluctuating interest rates, evolving lending guidelines, and countless opportunities to help people achieve their homeownership goals.

Through it all, one thing has remained constant: Mike's belief that the best business is built on honesty, integrity, and treating people the way you'd want your own family to be treated.

The Foundation of ZYNG Mortgage

In 2003, Mike joined forces with his son, Josh Borba, to co-found ZYNG Mortgage.

Together, they set out to build a mortgage company grounded in personal service, trusted advice, and a commitment to putting clients first.

With Mike's lending experience and Josh's vision for growing the business, they helped establish the foundation of what ZYNG Mortgage has become today.

More than simply building a company, Mike helped shape its values: work hard, do what's right, communicate clearly, and never lose sight of the people behind every mortgage.

While Josh now leads ZYNG Mortgage, Mike continues to play an important role as an active mortgage loan originator, bringing his experience and perspective directly to the clients he serves.

For Mike, helping people make important financial decisions has never been just a job. It's work he genuinely enjoys, and it's why he remains involved in the business today.

Decades of Knowledge. A Personal Approach.

Over his years in mortgage lending, Mike has experienced nearly every kind of housing market imaginable.

He's seen interest rates rise and fall, watched lending programs evolve, and helped clients navigate both exciting opportunities and challenging financial circumstances.

That depth of experience brings something technology alone can't replicate: the perspective that comes from decades of working with real people, solving real problems, and understanding how mortgage decisions affect families.

Whether someone is purchasing a home, refinancing an existing mortgage, or exploring financing options for the next stage of life, Mike believes every client deserves thoughtful guidance and a clear understanding of their choices.

Mike's approach is straightforward: listen first, explain the options, pay attention to the details, and work toward a solution that makes sense for the person sitting across the table.

No unnecessary pressure. No confusing sales pitch. Just experienced, honest mortgage guidance.

A Career Measured in Relationships, Not Just Closings

After decades in the industry, Mike understands that a successful mortgage transaction is about more than reaching the closing table.

It's about earning someone's confidence, following through on commitments, and being the kind of professional clients feel comfortable turning to again and again.

His commitment to ethical business practices and personal service has helped him build lasting relationships with clients who return to him for their mortgage needs and refer friends and family.

Those relationships are among the accomplishments he values most.

Mike takes pride in knowing that the work he's done throughout his career has helped people establish homes, create opportunities, and move into new chapters of their lives.

For him, a great reputation isn't something you advertise. It's something you earn, one client and one relationship at a time.

Family, Baseball, and the Things That Matter Most

Outside the mortgage business, Mike's greatest joy comes from spending time with his family, especially his two granddaughters.

Whether he's enjoying their activities, sharing laughs, or simply spending quality time together, being a grandfather is one of the most rewarding parts of his life.

Mike is also passionate about baseball and enjoys staying active on the field.

That same energy, competitive spirit, and appreciation for teamwork have been part of his approach to business throughout his career.

These days, Mike enjoys a balance that reflects what decades of hard work have helped him build: the opportunity to continue serving mortgage clients while making plenty of time for family and the activities he loves.

Still Doing What He Loves

Although Mike has stepped away from the day-to-day responsibilities of running ZYNG Mortgage, he hasn't stepped away from the profession that has been such an important part of his life.

He continues to originate loans, share his knowledge, and provide the kind of personal service that has defined his career.

With decades of mortgage lending experience, Mike brings a level of perspective that's increasingly rare in today's industry.

But ask him what matters most, and the answer isn't complicated.

It's family. It's relationships. It's doing good work. And it's knowing you've made a positive difference in someone else's life.

For Mike Borba, that's not just the foundation of a successful mortgage career. It's a legacy worth continuing.