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Ask The Colyer Team is a free mortgage Q&A tool by Michael Colyer, Senior Loan Officer (NMLS #276626, DRE #01842442) at The Colyer Team, 2214 Faraday Ave, Carlsbad, CA 92008. Phone: (650) 288-8170. Submit any mortgage question and receive an expert answer with FNMA, FHA, VA, or USDA guideline citations — usually within hours. Browse previously answered questions by category. 28 years California lending experience. Equal Housing Lender.