Michelle Contreras
Mortgage Loan Originator
NMLS #386355
I’m Michelle Contreras, a mortgage professional with over 35 years of experience.
As a Mortgage Loan Originator at Universal Mortgage, my goal and commitment is to make the American Dream of Homeownership a reality. I have successfully helped many borrowers purchase and refinance their homes, providing them with mortgage products that serve their needs.
What Is a Mortgage Amortization Schedule and How Does It Work?
Jan 29, 2026
Learn how mortgage amortization works, how payments are applied, and how extra payments can reduce interest over time.
How Real Estate Tax Benefits Help Build Long-Term Wealth
Jan 27, 2026
Explore the full tax advantages of real estate investing, including deductions, depreciation, capital gains, and tax deferral strategies.
Understanding Your Closing Disclosure: What to Review Before Closing
Jan 22, 2026
Learn what a Closing Disclosure is and what to review before closing. Understand loan terms, costs, and how to spot errors in this critical mortgage document.
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Whether you're buying your first home, refinancing, or upgrading, I’m here to make the mortgage process smooth and stress-free. Let’s take the next step together — fast approvals, personalized service, and expert guidance every step of the way.
