Michael Santulli

Michael Santulli is a seasoned mortgage professional and Branch Manager at Homestead Funding’s Watertown, New York location, bringing more than 30 years of experience to the industry. His background includes retail banking, loan origination, and branch leadership, giving him a well-rounded understanding of the home financing process. Michael is especially skilled in VA loans, helping veterans and active-duty servicemembers access the benefits they have earned, while also guiding a wide range of clients toward successful homeownership.

He supports clients through every step of the journey, from prequalification to closing, and connects them with trusted real estate professionals along the way. Michael takes the time to understand each borrower’s unique financial goals, allowing him to recommend mortgage solutions tailored to their needs.

Known for his compassion, responsiveness, and honesty, Michael is committed to putting people first. He works to ensure that every client feels informed, confident, and supported throughout the process. Whether assisting first-time buyers or experienced homeowners, he focuses on creating a smooth, transparent lending experience and delivering results that align with long-term financial success.