About Michael Hines

Michael co-founded Acceptance Capital Mortgage Corp. in 2002, serving as the Chief Financial Officer and managing accounting, HR, Licensing, and IT. His career history includes time as a district manager for US Bank and time spent in the mortgage industry in Spokane. He’s been with Directors Mortgage for 2 years as of 2019.

He holds bachelor’s degrees in business finance and economics from Eastern Washington University. He has also served as the President and Director of the Inland Northwest Soccer Association and served on that organization’s board for more than 10 years. Michael also served on the board of directors for Liberty Park Child Development center for 5 years.

When he’s not at work, Michael enjoys spending time with his 3 children, enjoying the local culture of Spokane, biking, hiking, and music.

Of his career, Michael says “I’ve seen the mortgage business from all sides. Operations, underwriting, processing, sales, consulting, etc. I bring a unique, diverse, well-rounded approach to lending, and understand a broad range of customers, from first time homebuyers needing down payment assistance, to more complex buyers who are self employed, or high income earners. Through my professional and life experience, I can relate to many home buyers. I’ve lived in the Spokane community my entire life, so I also have a very good understanding of the area and how to get involved.

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The 20% Myth: Understanding Down Payments

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