Mike Race

About Mike Race

I’m the founder of Buku Lending, a boutique mortgage brokerage built on the belief that great financing should feel clear, strategic, and empowering rather than confusing or transactional. I work with homebuyers, homeowners, and real estate professionals to structure smart purchase loans, optimize refinances, and solve complex lending scenarios with a long-term mindset.As a mortgage broker, I’m not tied to a single bank or lender, which allows me to shop the market, customize solutions, and advocate fully for my clients instead of pushing one-size-fits-all products. My approach is education-first and transparency-driven, because I believe clients should understand why a strategy works, not just sign paperwork.At Buku Lending, the focus is always on strategy over sales. Mortgages are powerful financial tools, and when structured properly, they can support cash flow, flexibility, and long-term wealth building. I take pride in helping clients make thoughtful, confident decisions, especially in markets where the right move isn’t always obvious.I work closely with real estate agents, financial professionals, and clients who value clarity, responsiveness, and honest guidance. Whether the goal is purchasing a first home, upgrading, refinancing, or navigating a more nuanced financial situation, I bring a calm, consultative approach to every conversation.If you’re looking for a mortgage partner who treats your loan as part of a bigger financial picture—not just a transaction—I’d love to connect.

Experience

1. President

   Buku Lending

   Jun 2020 — Present · Santa Monica, CA, US