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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Great communication with the whole team.
We were able to move our closing up earlier due to their work.
They did a lot of work behind the scenes to make the whole process easy for us.
Reply from Owner
July 3rd, 2024 09:47 PM
Cole - Thank you for taking the time to review Luminate and Michael's team. Congrats on your home purchase!
Great communication with the whole team. We were able to move our closing up earlier due to their work.
They did a lot of work behind the scenes to make the whole process easy for us.
This is my first time working with The Michael Creed Team at Luminate and they are phenomenal. They are extremely responsive and efficient in a way I have never seen with workflow. However, in a market full of mortgage brokers who are responsive...
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Reply from Owner
June 22nd, 2024 12:00 AM
Caryn - Thank you so much for taking time out of your busy day to write this review. My team and I are grateful that you noticed the little things we do to make a big impression. Congrats on your closing, too! - MC
We’ve bought all over the Midwest being in the military, and Michael and his team are the best. He broke down rates and where we want to be. We learned more in the 20 minute zoom call with him than we ever knew before. He knows his stuff and...
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Reply from Owner
June 29th, 2024 06:19 PM
Austin - Thank you so much for your review and your business. We're grateful you took the time to review us. Good News: We're currently able to do business in 38 states from this location and 49 states through our organization!
Patrick did the seemingly impossible and got us a house. We look forward to working with him and his team for our next home loan. Thanks guys
Reply from Owner
June 29th, 2024 06:20 PM
Thank you, Kristeen, for your business and your review.
The bottom line is that Patrick got us to the closing table on time and with relatively satisfactory terms. Throughout the process he was wonderful to deal with. He worked within the tight constraints set forth in our initial meeting. He got...
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Reply from Owner
June 29th, 2024 06:21 PM
Thank you, BG, for your review and your business. If you'd like to discuss this further, please reach out to our management team at ************.
This is my first time working with The Michael Creed Team at Luminate and they are phenomenal. They are extremely responsive and efficient in a way I have never seen with workflow. However, in a market full of mortgage brokers who are responsive...
read more
I've been through many real estate sales and purchases over the past 38 years and this experience was by far the worst! They are definitely trying to make their commissions as high as possible to the detriment of the purchaser. Patrick the...
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Reply from Owner
May 14th, 2024 08:14 PM
Sandy - Thank you for taking the time to provide feedback on your experience with our mortgage services. We sincerely regret that your experience did not meet your expectations, and we appreciate the opportunity to address your concerns.We...
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The level of communication was greatly appreciated throughout the process.
Excellent communication throughout the process
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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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