The Michael Creed Team
Branch Director | NMLS# 50441
University of Wisconsin Milwaukee
At Luminate Home Loans, our mission is to unlock a person's full potential through finances, and provide them with clarity at every step along the way.
We make lending approachable by bringing transparency and consistency to every part of ... Show More
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Reviews from Web
Micheal and Theresa take the extra time to answer questions and truly connect with their clients. Working with them are by far the most pleasant and comfortable experience you will ever have financing a home.
Reply from Owner
October 26th, 2025 03:47 PM
Kyle — thank you so much for taking the time to share this! We truly appreciate your trust and kind words. It means a lot to know that our approach made the process both comfortable and enjoyable. Theresa and I believe that connection and clarity...
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Micheal and Theresa take the extra time to answer questions and truly connect with their clients. Working with them are by far the most pleasant and comfortable experience you will ever have financing a home.
Reply from The Michael Creed Team
November 24th, 2025 01:53 AM
It's great to hear that Theresa & I made your experience with Luminate Bank so pleasant and comfortable. Taking the time to connect with our clients and answer their questions is central to how we aim to operate. Thank you for sharing your...
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I highly recommend Michael Creed and his team for you mortgage lending needs. The whole process was seamless from start to finish and I am so grateful for their communication and assistant with everything along the way. I can't say enough great...
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Reply from Owner
January 16th, 2026 10:11 PM
Thank you so much, Emily! We’re incredibly grateful for your kind words and trust throughout the process. Clear communication and making things feel seamless are always top priorities for our team, so it means a lot to hear that reflected in...
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From the start to closing the whole team was great at communicating and assisting me from this
Reply from The Michael Creed Team
November 24th, 2025 01:54 AM
It's great to hear that our team's communication and assistance met your expectations from start to closing, Emily. We truly value your feedback and appreciate you taking the time to let us know about your experience with us at Luminate Bank....
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Working with Michael and his Team was a Great experience! Everyone was so helpful during the process of buying our new home. We would definitely recommend them!
Reply from The Michael Creed Team
November 24th, 2025 01:54 AM
It's wonderful to hear about your positive experience with my team and I. We truly appreciate your kind words and recommendation. Our goal is to provide supportive and helpful service throughout the home-buying process, and it's gratifying...
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An awesome team to work with! Very organized and knowledgeable. I'd recommend to anyone <3
Reply from Owner
January 16th, 2026 10:12 PM
Thank you, James! We really appreciate the kind words. Organization and clarity matter a lot to us, so it’s great to hear that came through in your experience. Grateful for the recommendation and the trust you placed in our team!
I'm a Real Estate professional in Myrtle Beach, SC and I highly recommend, Michael and his team!
Reply from Owner
January 16th, 2026 10:12 PM
Thank you, Chip! I truly appreciate the recommendation—especially coming from a fellow real estate professional. It means a lot, and we’re always happy to collaborate and support clients wherever the opportunity takes us. Looking forward to...
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Thank you, Michael for such a great experience! Highly recommend!
We had to switch from another lender to Luminate during the closing process of buying our house which was incredibly stressful but the staff at Luminate was very helpful during the whole process!
Reply from Owner
September 25th, 2025 03:59 PM
Congratulations on your home purchase and thank you so much for taking the time to review our team; thank you for your business, too!
I cant think everyone enough for the amount of work and dedication they have put in our transaction! We are so blessed to have worked with them in buying our first home together!
Reply from Owner
January 16th, 2026 10:13 PM
Thank you so much, Aimee! Being part of a first home purchase is always an honor, and we’re truly grateful you trusted our team with such an important milestone. Your kind words mean a lot to all of us, and we’re so thankful to have been part...
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About
At Luminate Home Loans, our mission is to unlock a person's full potential through finances, and provide them with clarity at every step along the way.
We make lending approachable by bringing transparency and consistency to every part of the financial world - guiding people to decisions that they feel are in their best interest.
It's our goal to help you feel informed and engaged at every turn.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Construction Loan
Bridge Loans
Medical Professional Mortgages
Adjustable Rate Mortgages
Non-QM
Specialities
Mortgage Lending
FHA Loans
VA Loans
Government Loans
Purchase Loans
Refinance Loans
First Time Homebuyer Loans
Conventional Loans
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Education
- University of Wisconsin MilwaukeeBusiness Administration / FinanceBachelor of Business Administration (BBA)Sep 1999 -Dec 2003
Year Started
2004
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 50441
Disclaimer
Luminate Bank is an Equal Housing Lender | Member FDIC
Luminate Bank | NMLS ID #1281698
2523 S Wayzata Blvd. #100 Minneapolis, MN 55405 | Phone (952) 698-3300
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