

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 Michael Creed Team has received a review with 5 star rating from Jeremy C
Reply from Owner
April 20th, 2023 07:43 PM
Jeremy - thank you for taking time to write your review of the Michael Creed Team here at Luminate. We're grateful for your business. Welcome home!
Your team made the process super easy
Luminate Home Loans - specifically Patrick White and his team - made the home loan process easy, personable, and worry-free. Our questions and concerns were addressed in a timely manner, and we felt as though our finances were in very capable...
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Reply from Owner
March 24th, 2023 09:57 PM
Thank you for your business and congrats on your new home.
The Michael Creed Team has received a review with 5 star rating from David W
Reply from Owner
April 20th, 2023 07:43 PM
David - Thank you for your business and for reviewing the PJ Mortgage Team! Congrats on your new home!
The entire team was excellent and answered any questions we had very quickly. We learned so many things about the home buying process!
Kayley Jason does what you expect: responsive and helpful when called. What places her above others is what you don't expect: creative problem-solving, persistence, and commitment to success for all parties. She understands she doesn't just...
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Reply from Owner
February 20th, 2023 08:24 PM
Zac - that you for taking the time to review your experience with the Kayley Jason Mortgage Team. Thanks, too for trusting Kayley and Luminate with your business. Congrats!
I miss Michelle already! We had a great experience using Luminate. I cannot thank the entire team enough. They made the entire process quick and painless. We were first time home buyers and it was so nice to work with a company that answered...
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Reply from Owner
April 20th, 2023 07:44 PM
Adam - we've learned that Michelle misses you too. Thank you so much for the kind words and for calling out members of our team like Michelle. We hope you're loving your new home.
As Realtors, we appreciate that the Creed Team is always on top of deadlines! On this transaction, Michael was flexible and helped work out last minute details so that the buyers were able to close on time, despite the seller becoming unreasonable...
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The team went above and beyond at closing when we ran into a little issue and got it resolved. Best team to ever work with!
The team did an amazing job making us feel more like friends vs just a closing partner. They went above and beyond to ensure that closing happened on time even when it may have seemed impossible. The team is just amazing!!
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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.
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First Time Homebuyer 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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