Michael Picore

“If you want customer appreciation, efficiency, timely response to phone call or text messages, guidance, and the accurate information when buying a home; choose Rate and Michael Picore and Kristy Picore in Glenwood Springs Colorado, you will not go wrong.”

If you want customer appreciation, efficiency, timely response to phone call or text messages, guidance, and the accurate information when buying a home; choose Rate and Michael Picore and Kristy Picore in Glenwood Springs Colorado, you will not go wrong. My wife and just purchased a house in Rifle with him and his wife and it was the fastest and more efficient closing we ever had. Thanks Mike we greatly appreciate your service and experience in loan approval. David from Rifle

“Michael and his team were incredibly responsive. I had a very tight turnaround, with the holidays right in the middle of everything.”

Michael and his team were incredibly responsive. I had a very tight turnaround, with the holidays right in the middle of everything. There was also a deed restriction program involved. The entire process was done efficiently, and was very easy for me.

“We were able to close in 13 days because of their prompt attention to every detail as we purchased our new home.”

From the minute Bay Equity transferred to Guaranteed Rate Inc. I was so appreciative of the time and attention I was given by Michael and Kristi Picore. We were able to close in 13 days because of their prompt attention to every detail as we purchased our new home. Thank YOU to both Michael and Kristi for everything they did to make this such a positive experience!!!!

“My experience with Michael Picore and Bay Equity Home Loans was outstanding. Michael was always very knowledgeable and informative”

My experience with Michael Picore and Bay Equity Home Loans was outstanding. Michael was always very knowledgeable and informative when talking me through the numbers and the process. He was also very responsive with texts, emails, and phone calls any time I had any questions. Their online document collector and digital signing capabilities were so convenient and easy to use. The entire Bay Equity team made it so easy for me that I was able to close and move in to my new house early! Thank you!

“He really knows what he's doing. He helped us through a re-fi that only took 35 days. That 35 days included a major holiday.”

This is my second loan with Michael. He really knows what he's doing. He helped us through a re-fi that only took 35 days. That 35 days included a major holiday. He fought for us for a very competitive rate in a very timely manner. He was quick to answer questions and gather the information needed to get it right the first time. I have recommended him highly to my friends and family.

“I love Mike Picore; he is kind, responsive, knowledgeable and gets the job done in a timely and efficient manner.”

I love Mike Picore; he is kind, responsive, knowledgeable and gets the job done in a timely and efficient manner. He’s my first choice for lending advice/options. Highly recommend to anyone seeking financing. Paula

“Mike jumped in late in our decision-making process and found us a great rate with fair terms that we could afford.”

After working with and receiving mortgage offers from several national mortgage companies, a close friend suggested we talk with Mike and I'm glad we did. Mike jumped in late in our decision-making process and found us a great rate with fair terms that we could afford. Mike and his team were always available to answer our questions and they made the lending process a breeze. To anyone considering a mortgage lender, I highly recommend Bay Equity.

“Mike Picore and his Team were Wonderful to work with! I am so Grateful to know I have a reliable group that is Responsive, Attentive, Through, and Knowledgeable!”

Mike Picore and his Team were Wonderful to work with! I am so Grateful to know I have a reliable group that is Responsive, Attentive, Through, and Knowledgeable! This Team is such a Great Group to do Business with, I highly recommend your next Purchase or Refinance to be with Mike and the BayEquity Team! Thank you for all of your hard work!

“Mike is great to work with! He's responsive, knowledgeable and easy to communicate with.”

Mike is great to work with! He's responsive, knowledgeable and easy to communicate with. I'm always relieved when a client tells me they are already prequalified and are working with Mike because I know that means they are well prepared!

“The service and communication were impeccable. Mike was great at explaining nuances in the mortgage process and went the extra mile in identifying ways that would help us get the best rate possible.”

The service and communication were impeccable. Mike was great at explaining nuances in the mortgage process and went the extra mile in identifying ways that would help us get the best rate possible. Spending the last two weeks prior to closing in Europe, we slept well, knowing Mike was overseeing the process which led to a smooth and seamless closing. I would highly recommend Mike for all of your mortgage needs.

“It took Michael a whole 30 seconds to know exactly what to do and to get me the best rates and avoid a whole bunch of headaches”

Michael stepped up and knew exactly what needed to be done with my loan and got it done. I have always used a different lender and on this loan he could not come through. He could not think outside of the box like Michael could which is what I needed. It took Michael a whole 30 seconds to know exactly what to do and to get me the best rates and avoid a whole bunch of headaches with a jumbo loan. You can tell he is experienced and very good at his job. Michael Picore is my new go to lender!

“Michael and Kristi and the rest of his team were a pleasure to work with from start to finish. Not once were we not kept informed.”

Michael and Kristi and the rest of his team were a pleasure to work with from start to finish. Not once were we not kept informed. Not once did they not do something that they said they could or would get done for us. They were the smoothest part, by far to our new home buying process, and that’s great because they also were the most important part to the process!! They will definitely receive as many referrals as we can send their way!! Thanks Mike & Kristi!!!

“Mike made our loan process go as smooth as silk. He answered every question, every email immediately and with care as if he was getting the loan for his family.”

Mike made our loan process go as smooth as silk. He answered every question, every email immediately and with care as if he was getting the loan for his family. He was kind and patient and provided top notch customer service. He attended our closing and is still in touch with us if we have any questions or concerns. He is a lender that you feel you can trust and he makes you feel comfortable to ask any question. We would highly recommend him.

“Michael and his team are absolutely incredible. He has been my go to guy for 8 years because his knowledge of the industry is second to none.”

Michael and his team are absolutely incredible. He has been my go to guy for 8 years because his knowledge of the industry is second to none. He made my home buying experience incredibly simple. When I got to closing, both realtors and the title agent commented on how easy the whole transaction was. The title agent mentioned that she had no trouble with my lender and it was a nice change from other transactions.

“Mike is the best, beyond our expectations, I highly recommend Mike, very honest, helpful and always looked for the best deal for us.”

Mike is the best, beyond our expectations, I highly recommend Mike, very honest, helpful and always looked for the best deal for us. Highly recommended!! Nosotros fuimos con otra persona que hablaba porque hablaba español, por suerte conocimos a Mike y fue la mejor decisión que tomamos, le recomiendo a las personas de habla hispana que vayan con el, les ayudara de verdad!! Muy honesto y ayuda muchisimo en todo!

“The home loan process was clear and concise from the start. Mike had me in to his office, we went through different scenarios”

The home loan process was clear and concise from the start. Mike had me in to his office, we went through different scenarios, and the one I picked was exactly what he told me from the beginning. The team listened and were responsive to my needs. Using the electronic delivery of documents made this process pretty painless! Mike and his team are excellent communicators and just all around pretty awesome folks. 😊 Highly recommend!

“They have shown me how quick and painless this process can be, I recommend these guys to everyone.”

I have nothing but wonderful things to say about Mike and his team! They have shown me how quick and painless this process can be, I recommend these guys to everyone. Great experiences everytime, I am a lifer and will not go to anyone else. Thanks for all you do Mike and team!

“Michael Picore and his team provided us with plenty of good information about our loan process.”

Michael Picore and his team provided us with plenty of good information about our loan process. The platforms they use made it convenient to keep track of all our tasks and documents, until the final approval. This is the second time we worked with Michael; he and his team make sure to provide excellent customer service before, during and after the loan approval process. Michael knows the area and provides a plethora of contacts that had helped us with a lot home needs like maintenance and improvements. During the loan process Michael offered multiple communication channels to answer all our questions and concerns in a timely manner. We had multiple one to one meeting over the phone where he was able to explain to us all the aspects of the loan process. I would be happy to work with Michael Picore and his team from Bay Equity again, and I would recommend him in the future.

“Michael was absolutely essential in us actually buying this house. At times we were ready to throw in the towel and he did not give up on us.”

Michael was absolutely essential in us actually buying this house. At times we were ready to throw in the towel and he did not give up on us. He was determined to help us better our financial situation to make it all possible. I can not express how helpful he was through the entire process!

“Michael was extremely helpful in giving us all the options for a refi and helping us choose the best scenario for our financial outlook.”

Michael was extremely helpful in giving us all the options for a refi and helping us choose the best scenario for our financial outlook. His candid yet authentic approach to customer service coupled with his expertise is what makes us loyal customers.

“Not only was his institutional knowledge second to none, but he also took the time to make sure you understand what you are signing before the pen hits the paper.”

This is the second time that I have had the pleasure of working with Mike. On both occasions, I could not ask for a better experience. Not only was his institutional knowledge second to none, but he also took the time to make sure you understand what you are signing before the pen hits the paper. He also goes above and beyond with making sure that everything is flawless. If he questions any part of the loan process or the numbers you see, he fights for you and makes it right. Thanks Mike!

“Mike was attentive. He returned calls and took time to explain the processes involved in buying a house to me.”

Mike was attentive. He returned calls and took time to explain the processes involved in buying a house to me. Communications and documentation needs were clear and concise. Online document uploads and signatures were extremely convenient. Their efforts secured my loan in under a month from the time I started looking for a house.

“Michael and his staff were extremely professional and at the same time we felt we were their most important client.”

Michael and his staff were extremely professional and at the same time we felt we were their most important client. Michael was always available for any questions and concerns. The entire mortgage refinance process was seamless and stress free. I have recommended Michael Picore in the past and will continue to do so in the future.

“Mike Picore is the best lender I have ever worked with. Not only did Mike help me get an incredible rate on my refinance, but his processes to receive paperwork are simple and streamlined.”

Mike Picore is the best lender I have ever worked with. Not only did Mike help me get an incredible rate on my refinance, but his processes to receive paperwork are simple and streamlined. Both transactions I have done with Mike have been the best experience's I have ever had working with lenders. There is no question Mike Picore will be the lender I call for future opportunities. I recommend Mike to everyone that is looking for a reputable and honest lender and I do so without reservation.

“Mike and his team went above and beyond to make sure we were able to close before the holidays.”

Mike and his team went above and beyond to make sure we were able to close before the holidays. They even called in personal favors to get our appraisal done right away when the requirement was added during the final underwriting (when normally we would have been weeks out if not months), and then they even covered the cost since it had been a surprise. Truly amazing service. This is the third time we've used Michael Picore for our financing, and we'll never use anyone else.

“He was thorough and prompt, tenacious in problem solving and provided excellent and thoughtful service.”

Michael helped two generations purchase a condo. Our son was a first time buyer with specific needs. We especially appreciated how Mike explained concepts to both young and old. He was thorough and prompt, tenacious in problem solving and provided excellent and thoughtful service.

“Michael and his team are absolutely incredible. He has been my go to guy for 8 years because his knowledge of the industry is second to none.”

Michael and his team are absolutely incredible. He has been my go to guy for 8 years because his knowledge of the industry is second to none. He made my home buying experience incredibly simple. When I got to closing, both realtors and the title agent commented on how easy the whole transaction was. The title agent mentioned that she had no trouble with my lender and it was a nice change from other transactions.

“Michael went above and beyond for us. He makes dreams come true. I will recommend him to everyone.”

Michael went above and beyond for us. He makes dreams come true. I will recommend him to everyone. Best lender in the valley. Very professional. With Michael your not just a customer Your a friend too.

“Mike was beyond all expectations, very helpful, honest and fights a lot to get you the best rates possible, I recommend Mike 100%.”

We are very happy with our new home, Mike was beyond all expectations, very helpful, honest and fights a lot to get you the best rates possible, I recommend Mike 100%. Le recomendamos a los hispanos ir con Mike, es la mejor opción, nosotros primero fuimos con otra persona por el idioma, porque pensamos que seria mas facil , pero por suerte conocimos a Mike y nos ayudo mucho mas de lo esperado, muy contentos con su trabajo! Recomendado 100%

“Michael continues to work for us, even after we closed on our loan. He reached out to us to engage in conversations about better interest rates.”

Michael continues to work for us, even after we closed on our loan. He reached out to us to engage in conversations about better interest rates. He is always quick to respond to our many questions and makes sure we know exactly what is going on!

“Michael is a true professional and sees the entire process through with great attention to detail. He is more knowledgeable than anyone I know in his field.”

Michael is a true professional and sees the entire process through with great attention to detail. He is more knowledgeable than anyone I know in his field. I will always use this company for my future mortgage needs, whenever possible.

“Within 30 days, my refi was done and they saved me nearly $7k in closing! The people at Bay were pleasant, helpful and efficient.”

I had been referred to use Bay Equity for my refi from several trusted people, but in an effort to save some time, I stayed with the company who had currently held my loan. After nearly 5 months of changed rates and closing costs up to $12k, I called Bay for help! My refi with Bay Equity could not have been more smooth! Within 30 days, my refi was done and they saved me nearly $7k in closing! The people at Bay were pleasant, helpful and efficient. Best choice I had made was switching to Bay!

“Michael and his company are very excellent and providing with the very efficient and professional services in home loans. My wife and I feel that he goes way and beyond and helping with all the steps necessary for loan approval.”

Michael and his company are very excellent and providing with the very efficient and professional services in home loans. My wife and I feel that he goes way and beyond and helping with all the steps necessary for loan approval. I recommend him with a 5 plus start.

“Michael & team made everything so easy in financing our first home! They were very knowledgeable and always available to answer questions.”

Michael & team made everything so easy in financing our first home! They were very knowledgeable and always available to answer questions. Everything we needed to have done was laid out in a very understandable terms and the team out in a lot of work in making sure we secured the best rate possible

“Mike was knowledgeable, clear and available throughout the process. His team sets the standard for customer service.”

Mike was knowledgeable, clear and available throughout the process. His team sets the standard for customer service. I was very impressed that when I reached out to Mike the first time he was honest and let us know that the refinance may not be in our best interest. However, the market changed within a month and Mike communicated clearly why we may want to revisit a refinance. We were able to close quickly and every aspect was efficient.

“Michael and his team were excellent, giving great advice, pointing me towards the correct resources to get prior tax info, and providing detailed and timely communication during every step of this process.”

My loan needed to meet specific parameters and there were challenges with the details and down payment. Michael and his team were excellent, giving great advice, pointing me towards the correct resources to get prior tax info, and providing detailed and timely communication during every step of this process. I could not be happier.

“Michael Picore is an exceptional Mortgage Broker. He is honest. His processes are seamless and efficient.”

Michael Picore is an exceptional Mortgage Broker. He is honest. His processes are seamless and efficient. He coached me through locking in the best rate available. I couldn't be more pleased with the transaction. I would encourage anyone looking to buy or re-fiance a property to call Mike and see what he can do for you.

“I have used Mike Picore for 2 home purchases and 2 Refinancings and my experience is phenomenal! Quick and flawless! I will not go anywhere else!”

I have used Mike Picore for 2 home purchases and 2 Refinancings and my experience is phenomenal! Quick and flawless! I will not go anywhere else!

“Ask anyone who works with him including the majority of local real estate brokers and title company agents, and they'll say he's one of the best in our valley.”

As a Roaring Fork Valley real estate agent, I've had the opportunity to work with many of our local lenders over the years. This gave me an informed perspective. So when it was time to finance my own home, Mike was hands down my first choice. Ask anyone who works with him including the majority of local real estate brokers and title company agents, and they'll say he's one of the best in our valley. My husband and I experienced the same professionalism, patience and knowledge that I've seen Mike demonstrate with all of his clients. First time homebuyers should feel comfortable reaching out to him, he'll be patient and calm through the whole process. For those with more unique real estate situations, feel confident that his creativity and resourceful approach will take care of all your needs.

“Michael is not only a very friendly and personable gentleman, he is at the top of his game in the Home Buying & Mortgage Industry.”

I have purchased several homes in the past, but have never had a more pleasant buying experience than this one with Michael Picore at Bay Equity in Glenwood Springs, CO. Michael is not only a very friendly and personable gentleman, he is at the top of his game in the Home Buying & Mortgage Industry. He is efficient and fast, and let me know almost immediately after I completed his easy Online Application whether or not I would qualify for a Home Mortgage, and what it would take for me to close quickly. Our Loan closed at lightening speed after we sent all required documentation to Michael and his amazing team at Bay Equity. The entire team working with Michael kept me up to date daily on the process and even sent me great online videos that explained the agenda & process. I also received fun goodies from them in the mail! The thing I will remember the most about Michael when thinking about my closing, is his awesome smile. He was so happy that he was able to help me buy my dream home. The entire closing process was not only pleasant and smooth, it was fun! Michael had this comforting smile on his face during all the paperwork signing, while he explained in detail each document I was signing keeping me well informed and calm during the process. He really cares about his clients, and it shows! I can't be more satisfied with Michael Picore and this Home Buying experience. If you are in the market for a Home Mortgage or know someone who is, and you want the best? Forget the rest, & contact Michael Picore FIRST--he is the very BEST! Thank you Michael, we appreciate you and your team! Gina Welker Silt, Colorado

“Mike Picore and his team are the best mortgage people anywhere in the Roaring Fork valley and beyond! He really went above and beyond to get us a refinance”

Mike Picore and his team are the best mortgage people anywhere in the Roaring Fork valley and beyond! He really went above and beyond to get us a refinance (and a good deal to boot) in a time crunch situation! HIGHLY RECOMMENDED!

“Michael and his team were amazing, professional, punctual, friendly and very informative. They made this experience incredibly pleasant”

Michael and his team were amazing, professional, punctual, friendly and very informative. They made this experience incredibly pleasant, with their help we were able to purchase our dream home. Thank you, I will be recommending you to everyone I know.

“Michael was amazing to work with! He is extremely knowledgable which allows him to come up with a personalized plan that includes multiple options.”

Michael was amazing to work with! He is extremely knowledgable which allows him to come up with a personalized plan that includes multiple options. It was refreshing to work with a lender that was able to take our specific situation and create the best action plan. He thinks outside the box! We will absolutely use Michael and his team in the future.

“I just did another refinance with Michael Picore for my personal residence and he makes the entire process as easy as can be.”

I just did another refinance with Michael Picore for my personal residence and he makes the entire process as easy as can be. Constant communication is key for my and I never need to call and ask a question because he is always a step ahead of me. I highly recommend Michael for any financing needs, and he is also the first person I recommend to my clients.

“Mike and his team at Bay Equity are very professional, always communicate with you, and are very easy to work with.”

Mike and his team at Bay Equity are very professional, always communicate with you, and are very easy to work with. We appreciate them very much for helping us for the second time with our refinancing needs!

“The team at Bay Equity was really supportive when I started looking at homes, during closing they explained everything clearly, and afterwards they were still there to answer questions for me!”

The team at Bay Equity was really supportive when I started looking at homes, during closing they explained everything clearly, and afterwards they were still there to answer questions for me!

Sep 29, 2026

“Mike Picore is the absolute best. What seemed impossible he made happen!”

Mike Picore is the absolute best. What seemed impossible he made happen! I Would recommend this amazing person to everyone i know. Thank you for fufillung this lifetime dream for us

“Mike and his team were so helpful throughout the process. We appreciate all the support and thinking outside of the box to get us the best rate possible.”

Mike and his team were so helpful throughout the process. We appreciate all the support and thinking outside of the box to get us the best rate possible. Thank you all so much!

“My wife and I are very grateful for all the help that Mike Picore and his wife Kristi provided us in getting us approved for the loan”

My wife and I are very grateful for all the help that Mike Picore and his wife Kristi provided us in getting us approved for the loan, I looked for him again because we were happy with the way he helped us the first time with our house here in Rifle and we continue to feel the same way. Mike is very efficient and respond to messages right of way. I already recommended him and his company to a friend when he is ready I will send him to Mike at Rate.

“Mike Picore and his team were great to work with! Mike took the time to explain everything, and if there were any curveballs, Mike was on top of it.”

Mike Picore and his team were great to work with! Mike took the time to explain everything, and if there were any curveballs, Mike was on top of it.