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.
When Can a Seller Legally Cancel a Home Sale?
Jul 31, 2026
Discover when a seller can legally cancel a home sale and understand the implications of seller's remorse. Empower yourself with essential insights.
Navigating USDA and FHA Loan Differences
Jul 29, 2026
Compare USDA vs FHA loans, including down payment, credit, location, income limits, and fees, to find the right fit for your homebuying goals.
What to do after you've been turned down for a Mortgage
Jul 27, 2026
Learn why a mortgage can be denied late in the process, what steps to take right away, and how to prepare for your next home loan attempt.
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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.
