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 should I do if I owe more than my home is worth?
Mar 19, 2026
Reach Out to Learn More - An underwater mortgage is manageable with knowledge, planning, and action
Buy a Home using the House Hacking Strategy
Mar 17, 2026
See how House Hacking can help you buy a home and grow your real estate portfolio with less risk and lower upfront costs.
VA Loan Credit Score Requirements
Mar 12, 2026
Contact our team today to review your VA eligibility and explore your VA Loan options.
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.
