

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
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Michael and Lynn were so caring and helpful! They are $$$ ninjas! So glad we got to work with them, they are so knowledgeable and efficient!
Hamilton Merritt and his team have been outstanding to work with! As a buyer’s agent it is critical that I know that the buyer’s lender is working diligently on the file to ensure all deadline are met for my client. Hamilton and his team’s...
read more
I am in the process of purchasing a home, and Envoy was one of 4 lenders I reached out to. They were first to get back to me and great about answering all my calls and questions, even getting me multiple updated pre approval letters the same...
read more
Reply from Owner
February 10th, 2017 08:54 PM
Matt T – Thank you for reaching out to us regarding this matter. I appreciate the details and have looked into it extensively. From our records, I can see the following:1. In my research, I learned you were angry that we pulled credit without...
read more
Jason Bower and team, you totally Rock! Want your Mortgage done right and stay by your side right to the end contact Jason!
Jason Bower and team, you totally Rock! Want your Mortgage done right and stay by your side right to the end contact Jason!
Envoy made our Refi simple, quick and easy. Great communication, always available, and made the process very simple.
Envoy worked with a Client of mine in getting a mortgage. The purchase went very smooth, i was informed every step of the way. Thank You for the job well done!
Envoy worked with a Client of mine in getting a mortgage. The purchase went very smooth, i was informed every step of the way. Thank You for the job well done!
Of the five times I've had to obtain mortgages, this was by far the best experience I'very had with a lender. The online reviews that note incredible communication with Michael and the rest of the staff are not exaggerated. There were times...
read more
We just closed Dec 21 :) Of the five times I've had to obtain mortgages, this was by far the best experience. The reviews that note incredible communication with Michael and the rest of the staff are not exaggerated. There were times in the...
read more
1061–1070 of 1190
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
View All
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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
©2025 All Rights Reserved Licensing | Privacy | Contact Us