

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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The team was patient and great at explaining things to first time homeowners such as ourselves. They were very responsive and had great turnaround times to our questions, they even would reply after regular business hours! Overall the mortgage...
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Personalized communication on my schedule.
The entire team guided us through the process with ease. Awesome staff!
Reply from Owner
January 16th, 2026 10:13 PM
Thank you, Steve and Nancy! We’re so glad the process felt smooth and easy from start to finish. It was a pleasure working with you both, and we truly appreciate the kind words about our team. Always here if you need anything in the future.
The entire team guided us through the process with ease. imwould highly recommend Michael and his staff.
The Michael Creed Team are a wonderful group of people who provide professional services with integrity and genuine care for those they serve. I'd recommend them to anyone!
Reply from Owner
September 12th, 2025 02:57 AM
Thank you so much, Jason, for your review. But more importantly, your business. I hope you love your new home! - MC
The interaction you had with the seller was a significant factor in his decision to accept our offer. That says a lot. In addition, professionalism, genuine care, honesty, efficiency, use of helpful digital tools, and overall character were...
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The Team stayed on top of everything and made the process easy.
Your whole team were very helpful
N/A...........
Everything went extremely smooth and i was kept informed every step of the way top notch service!
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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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