

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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Very helpful and easy to work with. Answered all my questions right away. Returned phone calls and emails promptly.
Wow, that was a very fast response. Seems to be really on the ball.
The 2nd paragraph of Michael's first email to me clearly answered a question that a dozen or so brokers over the last 15 or 20 years have failed to clarify for me. Unfortunately, the gist of the answer was that I won't be able to qualify for...
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Have made application for mortgage-loan pre-approval letter, pending selection and decision on property to be purchased. My telephone discussion and application interview with Michael could not have been any better; it was an excellent experience....
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I couldnt be more pleased with how smoothly things went in refinancing my home with Michael. The rate was good and the fees were low, cant complain there, and again everything was smooth. I would definitely work with Michael again. Thanks.
We appreciate the attention we received from the entire team at Envoy! From start to finish they did everything they could to make the process simple and fast. We have financed through Envoy Mortgage two times and each time we have received...
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Michael was referred to me by a nearby Realtor. I'm on the West Coast and Michael is in Texas. I was very apprehensive due to the sensitivity of financial information and distance. I will say I've done numerous loans in the past and by FAR,...
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Mr. Creed's professionalism and expertise are second too none. His helpfulness enabled me to acquire my VA loan. He was there every step of the way to assist me in my home purchase experience. I would recommend his service to anyone.
My contact with Michael Creed was through E-mail and telephone contact exclusively.Dispite our never having met in person he made me feel comfortable and that I was working with a knowledgable and highly dependable professional. He answered...
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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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