About On Mortgage

CEO bio: Michael Schoonover

Michael Schoonover was born in Kansas City, where he honed his skills on the football field, the wrestling mat and the lacrosse field in high school. Despite humble beginnings, Michael was the first in his family to pursue higher education, a journey that led him to Florida. Determined to pay for his studies himself, he juggled multiple jobs while finding his way in a new state.

His entry into the mortgage industry was a turning point, with stints at PNC Bank, EverBank, Citibank and TIAA. Along the way he saw how rigid lending criteria kept deserving borrowers out of homeownership. Committed to more inclusive lending, he founded his own mortgage brokerage in 2019.

Michael believes lending should go beyond the numbers and account for each client’s circumstances. His approach opens doors for self-employed borrowers, people with lower credit scores and buyers with modest down payments. He rejects the one-size-fits-all approach of traditional banks in favor of personal, empathetic service that helps clients reach the dream of owning a home.

Beyond business, Michael is dedicated to community service and supports the Miami Rescue Mission, a local organization that helps people experiencing homelessness. He and his wife, Yanitza Schoonover, a respected Miami attorney, attend St. Patrick Church.

Driven by a sense of purpose, Michael brings entrepreneurship, compassionate leadership and generosity to his work, striving to make the American dream of homeownership a reality for more families.