Icon Capital has built its mortgage practice based on planning with the lowest cost loan strategy over time. Utilizing competitive rates and loan products that can easily be managed and interwove into your overall short and long term financial goals to maximize wealth creation, cash flow and cost. 

Icon Capital views a mortgage no longer as a mortgage loan once was, but instead as a financial instrument - a financial instrument that can be woven into your long and short term financial plan, creating a debt strategy that leads to wealth creation and a more solid financial future for you and your family.  We understand that small changes in your debt structure can make a life changing difference in your financial future.

The mortgage plans we create help lead our clients to a more secure and balanced financial future.

Our ongoing contact after close of escrow gives you an excellent perspective of the economy from an interest rate viewpoint as well as important economic events that may have impact on your day to day life as well business.

Most importantly this contact gives you continual confirmation that we are managing the mortgage and debt strategy that we created together for you. You will know our market perspective and how it may affect your finances.  We always welcome your calls or emails should you ever have any questions.

We look forward to implementing and managing a strategy for you.


About Icon Capital’s founder and CEO


Mike Premny is a certified mortgage planner.  He is a seasoned mortgage consultant and a loan specialist who has worked in the mortgage financing and real estate industry for over 25 years.  He is an expert in loan structuring and financial consultation.  He is extremely knowledgeable about the multi faceted lending industry and is highly skilled in creating financing options to suit the unique needs of each of his valued clients. His philosophy is simple…. “A lifetime relationship with a client has far greater value than any one transaction”.

Mike is down to earth and prides himself on educating his clients in simple terms.  He provides sound advice that successfully integrates into his clients overall short-and long-term financial plan assisting them in achievement of their financial goals; including, but not limited to, their payment, equity, and wealth building objectives.

When not assisting people in meeting their short and long term financial goals through equity repositioning and debt structuring, this Massachusetts native and outdoorsman is an avid snowboarder.   

Strength, Integrity, and Personal Commitment.


Is Your Home Paid For?

We have positioned many of our clients to pay off their homes in 1/3 to 1/2 the time.

The analysis is free.


"You are professional, knowledgeable, communicate well, return all phone calls and were very helpful. Couldn't have made it through the process without you." 

- P & A

Phone: 415.516.9600
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DRE License # 01238480

NMLS License # 355248