

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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Fantastic company to work with, every step in the process was handled with the utmost efficiency.
I am in the process of purchasing a home, and Envoy was one of 4 lenders I reached out to. They were first to get back to me and great about answering all my calls and questions, even getting me multiple updated pre approval letters the same...
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Fantastic experience from start to finish. Envoy made me feel confident at every step along the way. As a first time home buyer there was a vast amount of information that I had to learn. It would have been daunting if not for the entire team...
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I can pretty much guarantee that almost no one can top my story. I went through the buying process from hell when I moved to Wisconsin. I fired two real estate agents, and had so many problems with the entire process that I could almost literally...
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We just closed Dec 21 :) Of the five times I've had to obtain mortgages, this was by far the best experience. The reviews that note incredible communication with Michael and the rest of the staff are not exaggerated. There were times in the...
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Of the five times I've had to obtain mortgages, this was by far the best experience I'very had with a lender. The online reviews that note incredible communication with Michael and the rest of the staff are not exaggerated. There were times...
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Envoy made our Refi simple, quick and easy. Great communication, always available, and made the process very simple.
Hamilton Merritt and his team have been outstanding to work with! As a buyer’s agent it is critical that I know that the buyer’s lender is working diligently on the file to ensure all deadline are met for my client. Hamilton and his team’s...
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Great company to work with! The purchase of our first home was so smooth and a great experience. Jason and his team were awesome. That kept us update on every step. We will definitely be contacting them again!
These guys were great, super easy, communicated well, and did everything on a timely basis. No dragging their feet like you here about some other lendersI had Amy as my loan processor on both loans who did an incredible job. My realtor thought...
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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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