

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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Everyone was so friendly and helpful, especially Patrick White. They quickly answered all of my questions and got us into our new home! Thank you Enjoy Mortgage!
My boyfriend and I just purchased a home though Envoy Mortgage and we had an amazing experience! The home that we purchased was a HUD foreclosure that needed a work escrow and turned out to be a whole lot of paperwork and a little bit (LOT...
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My boyfriend and I just purchased a home though Envoy Mortgage and we had an amazing experience! The home that we purchased was a HUD foreclosure that needed a work escrow and turned out to be a whole lot of paperwork and a little bit (LOT...
read more
My boyfriend and I just purchased a home though Envoy Mortgage and we had an amazing experience! The home that we purchased was a HUD foreclosure that needed a work escrow and turned out to be a whole lot of paperwork and a little bit (LOT...
read more
I've worked with alot of lenders over the past 20yrs, and have never had the repeated pleasant experience I have with Envoy. I feel so assured when referring my client to them, that they will be exceptionally taken care of. I never have to...
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Michael and his team are incredibly capable and friendly. From our initial meeting with Michael until now (under 2 weeks to close!), he and his team have been extremely available. From working with us to find and secure the best rate possible...
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Michael and his team are incredibly capable and friendly. From our initial meeting with Michael until now (under 2 weeks to close!), he and his team have been extremely available. From working with us to find and secure the best rate possible...
read more
We appreciate the attention we received from the entire team at Envoy! From start to finish they did everything they could to make the process simple and fast. We have financed through Envoy Mortgage two times and each time we have received...
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We appreciate the attention we received from the entire team at Envoy! From start to finish they did everything they could to make the process simple and fast. We have financed through Envoy Mortgage two times and each time we have received...
read more
I started my process early and had a few credit hurdles to get over. Not only did he check in with me, but he helped! It only took a little over 3 weeks to go from accepted offer to clear to close, and we still have 3 weeks to closing!
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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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