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.
The Scariest Thing About Renting Isn't on Your Doorstep This Halloween
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Discover the hidden fears of renting this Halloween and how they can impact your experience beyond just spooky doorsteps.
VA Non-Allowable Fees: What Veterans Should Know
Oct 28, 2026
Learn which VA loan fees veterans cannot be charged, how the 1% rule works, and where closing cost savings can add up.
VA Funding Fee Explained: What Homebuyers Should Know
Oct 26, 2026
Learn about the VA funding fee and how it impacts your homebuying journey. Helpful information for veterans and their families.
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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.
