

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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I have been meaning to write this for a year. My husband I were so thankful we were recommended this company. We had a stressful moving process with the people buying our home (buyers used a different company) but Envoy was on top of the game...
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I've worked with alot of lenders over the past 20yrs, and have never had the repeated pleasant experience I have with Envoy. I feel so assured when referring my client to them, that they will be exceptionally taken care of. I never have to...
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Micheal help us with our home loan. He worked really hard to make sure all of our questions were answered. He is very thorough and didn't miss a detail.
Thanks Micheal for helping us to get our new home!
Michael is extremely knowledgeable, helpful, and responsive. I am the type that asks a lot of questions and comes into things a bit cynically, and he patiently answered all of my inquiries to my complete satisfaction. There were no surprises,...
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Michael Creed is absolutely, positively the best at what he does. He worked all hours of the day and night to get our mortgage done. I would go back to him in a heartbeat and would highly recommend him to anyone that is in need of a mortgage...
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When we were looking to refinance our home, Michael was the third person to call me. After talking to the three of them, I decided to work with Michael. He made the whole process run smoothly and efficiently. He explained all the steps we'd...
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We're always impressed with the professionalism of the Creed Team! The listing agent for this transaction was uncooperative, to say the least, but Michael and Lynn rose above it and just politely requested the necessary documents until he complied....
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A large national bank had dropped the ball on our mortgage and pulled out 2 business days before we were supposed to close. After talking with our agent, we switched to Envoy and Michael and their team did wonders. They were able to get the...
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My boyfriend and I just purchased a home though Envoy Mortgage and we had an amazing experience! The home that we purchased was a HUD foreclosure that needed a work escrow and turned out to be a whole lot of paperwork and a little bit (LOT...
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Being first time home buyers can be intimidating but from the moment we began our loan process Michael and his entire team made sure we were well-informed and left multiple methods of communication open for us in case we had any questions at...
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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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