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 Wraparound Mortgage? A Detailed Guide for Buyers and Sellers
Jan 15, 2026
Learn how wraparound mortgages work, why buyers and sellers use them, and the risks to consider before choosing this financing option.
A Guide to Buying a Home in Retirement
Jan 13, 2026
Learn how to buy the right home in retirement with tips on budgeting, priorities, financing, and long-term planning.
Home Warranty vs. Home Insurance: What's the Difference?
Jan 08, 2026
Home Warranties and Home Insurance are not the Same! Learn how they are different and when to use one or the other.
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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.
