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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Alex was incredibly involved and available at every step of the process. He explained every detail of the home buying process and what each of the numbers meant as part of the loan and closing costs. He and his team were super knowledgeable,...
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Alex had a very positive can-do attitude Evan communicating with me (the listing agent) to advocate for his client *before* their offer was accepted. Great communication. Smooth and on time!
The Michael Creed team helped us purchase our home in 2024 and just recently helped us refinance when a lower intrest rates was available to us. The process of refinancing wad quick, easy and smooth as they handled all of it for us. Michael...
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Michael and his entire team were great to work with when purchasing our first home. Definitely felt like we were working with the best of the best the entire time. Highly recommend!
The Michael Creed Team has received a review with 5 star rating from Tanya P
The luminate team was on top of things. Our priority was to refinance at our earliest availability and not miss out on interest savings on our mortgage. They followed through and helped us achieve our goal. Having worked with luminate previously...
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Reply from Owner
April 1st, 2026 06:01 PM
Maxwell — thank you for the thoughtful review! It was a pleasure helping you refinance and lock in those interest savings right when timing mattered most.We know how important it is to move quickly in today’s market, especially when rates shift....
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The Michael Creed Team has received a review with 5 star rating from Ty H
Micheal was an amazing person to work with as well as his whole team. They were extremely timely and on top of their stuff. Micheal was thrown into a mess and made everything work out. He kept professionalism throughout the whole process, while...
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Thank you
The Michael Creed Team was awesome! They were on top of all the emails and calls. Made sure everything was moving along smoothly and that is what happened. Love this team.
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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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