I am currently the Division President of San Francisco’s Primary Residential Mortgage, which I co-founded in 2008. Since graduating with honors from the University of California at Berkeley and the Haas School of Business, I’ve worked tirelessly to redefine the customer experience in the mortgage industry.
Utilizing my vast background in management, sales, and operations coupled with my ability to handle the most difficult situations, I’ve personally helped thousands of homeowners successfully fund their residential mortgage.
In addition to job, I’m enthusiastic about every aspect of the world ranging from my yearn to learn about other cultures, travel avidly, play guitar and compose music, as well as compete in USTA tennis. I’ve spent time volunteering for the UN in refugee camps internationally and am devoted father and husband. I love to be involved in the community and connect with those around me.
California License CA-DOC87656
Florida License LO120355
Nevada License 63673
Texas License
Washington License MLO-87656
Taylor Williams Smith
7/19/2026
This was my third time working with Primary Residential Mortgage over the past 10 years, and I cannot recommend them highly enough. I have never received better communication, support, or service than I did from Mike and Andrew.Mike worked hard to secure a great interest rate for us, and Andrew helped us get approved and funded quickly during an incredibly stressful time in our lives. Andrew truly went above and beyond, keeping us informed, answering every question, and making sure the process continued moving forward.Their responsiveness, expertise, and genuine care were exceptional. If you are looking for a mortgage team that will treat you like a priority and deliver results, I strongly recommend Mike, Andrew, and Primary Residential Mortgage. They have earned our trust and our business three times over!
Nick Porreca
7/01/2026
Mike was incredibly helpful and knowledgeable - would highly recommend him for your lending needs.
Nick P.
7/01/2026
Mike was incredibly helpful and knowledgeable - would highly recommend him for your lending needs.
Lynn Morris
5/11/2026
We just completed a HELOC. Except for having to provide a lot of documentation for review, which is standard with these, it was a very good experience. Between Mike Koran and Andrew Karcher, they were great to walk us through the process. We would definitely use them again.
Jeffrey Yeh
5/11/2026
Great support and responsivess throughout. Minor issue at the end of the loan with some confusion on loan value, but it was resolved quickly with the help of my agent and Mike's team for an on time close. Competitive rates.
Patty Moore
5/08/2026
It was a pleasure working with Andrew and Mike at Primary Residential Mortgage. They took care of us every step of the way. Explaining each step, each document and every transaction.
Don Hesse
4/26/2026
We had used Mike Koran earlier for a complicated family real estate deal which he and his team handled with great professionalism and personal warmth. Went back to him within the year for a refi and got the same excellent treatment. Four thumbs up!
bianca ferreira
4/22/2026
I had the best experience working with Mike. I started the loan process with somebody who was not able to help me at all. I then found Mike and his team who went out his way to make home buying possible. He went beyond his effort with the whole process and explained anything I did not understand. If you are looking to buy a home Mike is definitely worth it! I am thankful for the smooth process I experienced. Thanks Mike and Team!!
Bri B.
3/31/2026
5 stars all the way! I don't normally write reviews, but the awesome experience with Mike, Andrew, and the rest of the PRMI team inspired me to share this. I had a ton of questions going into my mortgage and they explained everything in plain English. The team made sure I actually understood what was going on throughout the lending process. Mike and his team are super responsive and thoughtful. They truly went above and beyond, and made it possible to even close a week ahead of schedule, which was great for me and the sellers. Truly impressive. I highly recommend Mike and his team and very much look forward to working with them for my other mortgage needs.
Tony Alejandre
3/26/2026
Mike was exceptional in helping my buyer which had a below 600 credit score and qualify for a FHA Loan.. He delivered on time and made it a smooth experience for all involved.. Go to Mike to get it done.
Josh Davis
3/26/2026
Mike and his team are incredible. They took initiative throughout loan process and even helped us get my client to close early, which is quite unusual when purchasing a condo. They made what normally can be a stressful process when trying to close a condo sale purchase be so easy and efficient. I will definitely be working with Mike and his team again in the near future. They provide high quality service and were in constant communication with my client and I throughout the process.
Denise Cronan
3/12/2026
Once again Michael assisted my clients with the purchase of a duplex as part of a 1031 exchange. He and Andrew were nothing short of incredible putting this complicated transaction together with a relatively short close. I cannot recommend their services enough. Thank you gentlemen!
Nelson
3/10/2026
Mike and Andrew are the best! We worked with them on a new home loan as well as a refinance, they got us good rates and closed on time. Great communication through the whole process and always able to reach someone when needed. Highly recommend these guys.
DShawna
2/24/2026
The care in compassion that was shown to my client was great. I cannot wait for future enjoyment with Mike and his team.
Trina Brown
2/21/2026
Knowing that my buyers are pre approved by Primary Residential Mortgage, Mike Koran and Andrew Karcher is like seeing them standing on the podium, in the middle receiving the Gold. YES! We win. We will close on time. With all the stresses that go along with selling homes, it’s so calming to know that my buyers loan is secure.Go ahead and remove that loan contingency because our loan IS SET! I can’t say enough great things about Mike & Andrew. THEY ARE THE BEST!Trina Y Brown, Coldwell Banker, 25 years.🏠
