Michelle Merritt

Mortgage Loan Originator | NMLS# 517375

Finding a home should be as simple as flipping on a switch. Getting a home loan shouldn't feel like it's you against the world. We work hard to share our knowledge and find the right home loan for you, so you're not left out in the dark.

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About Michelle

My name is Michelle. I am a Loan Originator with Luminate Home Loans. We specialize in residential home loans for real estate purchase and refinances. If you are looking to buy or refi, I'd love to help.

I love applying my knowledge and experience to unique situations and helping my customer get the best mortgage product for their needs and for them to have an amazing experience along with it!

What Our Clients Have to Say

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"The team at Luminate was awesome to work with! Andrew was very on top of our deadlines and documents and made the process easy for us. No complaints!"

Chelsea
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"Luminate made the process easy and seamless. They provided multiple options and explained them to us in a way we understood."

Brandon
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"Luminate is the best in the business. Hands down. Clients are supported and educated and never hesitate when they are their lender. Highly recommend!"

Brigette
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15

years of experience

4.98%

online star rating

267+

client reviews

2

adorable kiddos

Conventional Loans

Conventional loans at Luminate are a great option for many homebuyers since they are flexible as far as properties you can choose from, fees, and loan structures available.

FHA Loans

FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment or have a less than ideal credit score. FHA loans are much easier for most homebuyers to qualify for.

VA Loans

Have you served in the military and are searching for a home loan that’s right for you? Because of your service history, you may be able to qualify for a VA home loan to make your home hunt easier.

USDA Loans

A USDA loan is a mortgage loan option offered to rural property owners by the USDA. This loan option is great for anyone living in the rural areas of the United States that may have a lower income.

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Ready to get started?

The home loan process doesn't have to be scary. Our team is here to help! All it takes is the following few steps:

1. Tell Us About You

Talk through your goals and timing, so that together we can decide which loan option is the best fit for you.
2. Fill Out the Application

Gather your financial details and complete your loan application to start the pre-approval process. We're always here if you have any questions.
3. Get Pre-Approved

Once your application and credit report have been reviewed, you will receive a pre-approval letter to get out there and start your home search.
4. Start Shopping

Now that you're outfitted with a pre-approval letter, your budget, and information about the loan process, you're ready to get out there an start shopping from a home.

NMLS# 150953

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