

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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Willingness to walk through things live
The Michael Creed Team has received a review with 5 star rating from Joseph H
They made it personalized and were very upfront and very good with communication throughout the whole process!
Grateful for Michael and his team. Michael in particular is genuine as a person and informative as a lender. I appreciate how he tries to educate where gaps in understanding may be, and give thorough follow up on any lingering questions you...
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Michael went above and beyond to beat a refinance estimate that I received from another bank. We are really happy that we get to stay with Michael Creed. Genuine gentlman who cares about his craft.
Communication was great.
Very personable! Made the process smooth and stress free!
Reply from Owner
March 18th, 2026 03:18 PM
Brenna, thank you so much for the kind words—we really appreciate you taking the time to share your experience!Helping first-time home buyers navigate the mortgage process smoothly (and without the stress) is exactly what we aim for every day...
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Very personable! Made the process smooth and stress free!
We're thankful for the great communication and service that we and our clients have received from the Creed Team! As always, they were proactive in addressing potential issues before they became a problem. Love that they always meet deadlines,...
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Alex Aerts is extremely knowledgeable, and his expertise ensures that my clients receive the best guidance when purchasing their new home.
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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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