Our People

Mike De Carlo Founder and President

Mike De Carlo


As President, Mike De Carlo offers his clients a smooth, easy experience and helps them secure customized financing for their commercial properties. Mike knows how difficult it can be to find financing on your own and has taken measures to alleviate this process entirely.

Relying on over 15 years of banking experience, from bank examiner to bank executive, his insider experience offers his clients a unique understanding of the approval process for commercial mortgages. As such, Mike knows the entire commercial mortgage process from application, through underwriting and funding, and loan servicing.

Also thanks to his many years in banking, Mike is able to offer his clients exclusive access to a network of key contacts he’s developed—both in the banking and commercial real estate industries. This exclusive network of connections provides his clients access to the even most discerning bankers and professionals, which often moves his clients to the head of the line, quickly securing loans.

Known for his down-to-earth attitude, positive demeanor, and strong work ethic, Mike’s focus begins with integrity. A dedicated professional, whose priority is solely focused on the client, Mike brings an unequaled ability to understand and interpret the right markets and provide project specific, custom financing options.

He’s made his home in beautiful Utah County, Utah which allows him to pursue his love of cycling, golfing and skiing. At the University of Utah he holds three degrees—Organizational Communication and Economics and a Master of Real Estate Development. Most of all, he enjoys spending time with family and friends.

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Why trust Mike to find the financing solution you need:

Banking Experience

From banking examiner to bank executive, Mike has 15+ years behind him and a unique understanding of the do’s and don’ts of financing commercial real estate. This provides you with front row insight AND access to the right lenders and negotiations for the exact loan you need.

Lender relationships and Analysis Skill

Mike’s background in capital markets allows him to find wholesale lenders who understand the complexities of financing commercial real estate. As such, his skill in evaluating cash flow and investment analysis backs up a successful financing structure that works for both you, the client, as well as the lender. As a result, working with Mike and Tower Commercial Mortgage leads to excellently negotiated loan terms certain to make you happy.

Innovtiative and Intelligent Financing

Through innovative and intelligent financing, Mike brings you financing options from his many lender connections using methods that may not have been available to you without his guidance. Depending upon the property and financial market conditions, such innovative financing is definitely subject to change.

A Personal Touch

Above all, Mike’s clients value his personal touch—coupled with his commitment to build and maintain long-term client relationships—and find the process of finding financing less time consuming, less stressful, and in the end, more gratifying.