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.
How Do Mortgage Discount Points Work?
Apr 30, 2026
Mortgage points let you pay upfront to reduce your interest rate. Learn how discount points work and whether paying them at closing is right for you.
Multifamily Property Investing: Benefits, Risks, and Financing Explained
Apr 28, 2026
Multifamily properties offer multiple income streams, scalable returns, and long-term equity growth. Learn the benefits, risks, and financing options.
The Secondary Mortgage Market: How It Works and Why It Matters for Homebuyers
Apr 23, 2026
Learn how the secondary mortgage market works, why lenders sell loans, and how Fannie, Freddie, and mortgage-backed securities keep home financing accessible.
Thank You!
Your request has been submitted.
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.
