Michael Douthwaite
Executive Branch Manager
Welcome! My name is Michael Douthwaite and I'm the Executive Branch Manager at Lumin Lending! With over 100 years of combined experience, our founders bring unparalleled expertise to guide you through every step of your mortgage journey.
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Michael was great to work with.
Reply from Michael Douthwaite
August 12th, 2026 04:00 PM
Brian, I appreciate your kind words. I'm glad to hear you had a positive experience working with me. If there's anything more I can do for you, please let me know.
It closed.
Reply from Michael Douthwaite
August 10th, 2026 03:40 PM
Vincent, I'm glad to hear that your transaction closed. If you have any questions or need further assistance, please feel free to reach out to me directly.
Speed up approval process, one call each a.m. and also for each p.m.
Reply from Michael Douthwaite
August 10th, 2026 03:35 PM
Craig, I appreciate your feedback on the approval process. I'll certainly take your suggestion into consideration to help improve our services. If you have any more thoughts or need further assistance, please feel free to reach out to me directly....
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Nothing but good things to say. Whole process was smooth.
Michael is so nice and helps you through everything. Grateful he worked so hard for us. Thank you Michael!
Reply from Michael Douthwaite
August 3rd, 2026 02:40 PM
Tracy, I'm thankful for your kind words. It's nice to know I could be helpful and supportive throughout the process. If you need anything else, please let me know.
Customer-oriented, knowledgeable, and experienced agent who works diligently to deliver results to your satisfaction, doing everything within his power to meet your needs.
After knowing my Credit Karma scoreTrans Union 786 and Equifax 776, I was told my score is 758. Which is very disappointing because now I have to pay higher interest and higher closing fees and higher monthly installments.
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Reply from Michael Douthwaite
May 26th, 2026 09:05 PM
Chanda, I understand your frustration with the discrepancy in credit scores and the impact it has on your interest rates and fees. Please reach out to me directly so we can discuss this further and explore any possible solutions.
Mike really helped me when I needed someone who knows the in and outs of this industry.I would recommend him for all furture loans and refis as well.
Michael is very knowledgeable and efficient.
He walked us through our application very smoothly.
Michael has been a blessing to work with. He always answers my questions and kept me informed about everything. Couldn’t ask for a better agent. He made my dreams come true and was always very professional and caring. Thanks for everything....
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About
Welcome! My name is Michael Douthwaite and I'm the Executive Branch Manager at Lumin Lending! With over 100 years of combined experience, our founders bring unparalleled expertise to guide you through every step of your mortgage journey.
With almost a decade of personal experience, I'm committed to delivering best-in-class service and navigating you through every step of the financial process. I've helped thousands of clients with their financing needs and specialize in a large variety of loan products to help fit your financial goals (Conventional, FHA, VA, HELOC, Self-Employed, Investors, No-Doc, ITIN, etc.). I take pride in ensuring every client gets the best possible service and options available! Call me today!
Products & Services
Mortgage Loan Officer
Mortgage Refinance
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Year Started
2017
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 1702285