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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Clear layout of expectations, regular check ins, quick availability to answer questions
What makes it great is your team . Michelle and Theresa make the experience painless with all their hard work . Linda and I feel like family when dealing with you all .
Thanks So Much
David and Linda Kuhl
The Michael Creed Team has received a review with 5 star rating from Amera A
As a realtor, collaborating a solid lender is make-or-break. Josh Hay at Luminate goes above and beyond for my clients. He's meticulous with details, keeps everyone informed throughout the process, and is always easy to reach when it matters...
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Reply from Owner
June 26th, 2025 11:24 AM
Kyle - thank you so much for your kind words. We agree, Josh is great! His joy is unmatched. We'll make sure he sees this, too. Thank you for your business and your trust in Josh and Luminate; we look forward to helping many more clients with...
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The Michael Creed Team has received a review with 5 star rating from Jackson W
The Whole team was very respectful and helpful. We appreciate each and every person who helped us buy our first house!
Timeliness & communication were excellent. We were always updated & kept abreast to the process prior to us having to ask. We truly appreciated that.
Everyone involved was responsive and helpful throughout the process to make it all as smooth as possible.
Reply from The Michael Creed Team
June 9th, 2025 09:12 PM
Thank you so much, Travis, for your business and your review; my team and I are so happy for you. #MakingDreamsComeTrue
Smooth transaction, no issues.
Reply from The Michael Creed Team
June 9th, 2025 09:12 PM
Thanks, Katy, we love it! Your review was short and to the point, just like the mortgage process should be! :-)
It was a pleasure working with the team. All were happy, helpful and fun. The system they have in place is like no other that I have worked with and this is our 6th house purchase 💜
Reply from Owner
June 12th, 2025 09:14 PM
Thank you Rhonda! It was an honor to serve you and a huge pleasure to read such a complimentary review. Please don't forget we can help anyone you know in all 50 states! Thank you for your business.
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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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