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Gary Miljour
With more than 22 years of experience as a producing loan officer and manager, I’m passionate about helping clients feel informed and confident throughout the mortgage process. I take an honest, friendly and educational approach, explaining not just what loan option may work best, but why—because there’s no such thing as a dumb question.
I primarily work with first-time and move-up buyers, as well as investors using DSCR programs. I specialize in VA, FHA, USDA, down payment assistance, construction-to-permanent and one-time-close land/home loans. I also enjoy partnering with real estate professionals and builders to guide clients from the start and make the process as clear and stress-free as possible.
Outside of lending, I stay involved in the community through homebuyer classes, financial literacy seminars and open houses. When I’m not helping clients, you’ll most likely find me cycling—on the road, gravel or occasionally a trail.
Mike Carbaugh
Michael Carbaugh is the Business Development Manager for The Magnolia Team at Mortgage Investors Group. He works alongside real estate professionals to build meaningful partnerships, develop innovative marketing strategies, and create exceptional experiences for homebuyers throughout North Carolina.
With more than two decades of experience as a financial advisor, Michael understands that every successful client relationship begins with trust, education, and genuine service. Today, he leverages that experience to cultivate strategic partnerships with Realtors, financial advisors, attorneys, and other trusted professionals while leading marketing initiatives that strengthen relationships, support referral partners, and expand The Magnolia Team's presence throughout the communities it serves.
A former Division I athlete, Michael believes success comes from preparation, consistency, and continuous improvement. Away from work, he is an active PGA Teaching Professional, endurance athlete, and outdoor enthusiast who enjoys cycling, running, and competing in triathlons and duathlons. He also enjoys traveling, cooking, and exploring the Carolinas, which he has proudly called home for nearly two decades.
Gary Miljour Branch Manager
I’ve been a producing loan officer and manager for over 22 years, and what continues to drive me is helping people feel confident and informed as they navigate one of the biggest financial decisions of their lives. I pride myself on being honest, upfront, friendly, and genuinely helpful. I take the time to explain the mortgage process in detail—step by step—so my clients always know what’s happening and why. That’s one of the reasons I work with so many first-time homebuyers; I’m happy to slow things down, answer every question, and make sure nothing feels overwhelming.
LOAN OFFICERS
Jason Baker
