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Comfort.
It all boils down to comfort. Are you comfortable working with a loan officer in another town, to which you cannot put a face? Of course not, that's a very common and valid concern. To help with this, over the years, I have been gathering comments from those that I have worked with.
If you haven't already done so, be sure to visit my Get to Know Me page. Then check out the testimonials below; if you would rather see my Third-Party Testimonials, click here.
-Past-Client Recommendations-
"Michael made the process seem easy and straightforward. He wrote clear emails, was always available for questions even on a Friday night as we signed the forms."
-Paige Nittler, San Francisco, CA
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"I liked the fact that I could handle everything quickly online. We have purchased seven homes in the past and this process was the most streamline and the most comfortable."
-Bev & Herb Watkins, Louisville, KY
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"Michael was VERY helpful throughout the process of my refinance. He always provided thorough instructions and was very responsive and patient when I had questions. He also kept me informed of what was happening and what to expect next. Updated docs were provided regularly via email -- this is a nice touch, allowing me to check the correctness of the application data as we progressed."
"From the time I contacted him to apply for a mortgage until I signed the paperwork took 3 weeks. Considering all the paperwork that has to be shuffled around during that time, I thought 3 weeks was pretty darn good. :) Costs were very reasonable - no bait and switch or anything like that. There was one minor error in the final paperwork sent by the title company, so we had to reschedule the closing. But again, Michael was very responsive in correcting the error, and the delay was minimal."
-Matt Dittrich, Mission Viejo, CA
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"The time frame from initial contact to closing was extremely quick -- especially in the current environment."
-Gary Weeman, Phoeniz, AZ
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"Mike worked tirelessly to close this loan at the desired rate even though I had an out-of-the-country vacation planned in the middle of the process. He worked directly with appraisers, worked with my neighbor to schedule the appraisal, and helped direct the loan through a speedy approval process. He is customer service at its finest!"
-Susan Ellefson, Santa Clara, CA
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"It was very easy working with Michael. He is very detailed in his communication and was very specific of what documents we were missing, where we needed to sign or initial on each page."
-Kirsten Virnig, Menomonee Falls, WI
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"Michael Creed is very responsive and efficient, and makes the loan application process as painless as possible for his clients!"
-Tracey Gilbert, DVM, Luxemburg, WI
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In an email written to Bart Miller, First Omni’s President & CEO, and later published with the writer's permission, Paul Whitaker wrote:
"Bart,
I'm sure you hear this all the time, but I could not possibly be happier with the service I received from Michael.
Of all the people I encountered along the home-buying journey, Michael was far and away the one I trusted most with every issue. Any question I had about any part of the process, Michael either answered it in advance, or responded immediately.
Both of the real estate agents involved also said "most lenders talk the talk up-front, but never have I seen one that supports the back-end, behind the scenes process like Michael."
I can't believe the level of service he provided. I can't believe how comfortable I am with the biggest investment I have ever made. I can't wait to recommend him to anyone looking to buy a home.
Do anything you can to hang on to this employee.
Paul Whitaker"
-Paul Whitaker, Eau Claire, WI
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"Michael's speed and quality of service was top-notch! When I had questions he took whatever time was needed and answered them to my satisfaction immediately, if possible."
-Nicholas Flint, Superior, WI
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"We would hire Michael again. Michael came across as a very personable individual who had our best interests at heart and worked to bring them to fruition. His nature was a very fine tool in working with us. He made sure that you were fully apprised and aware of what was going on within the process at all times. It was obvious by the times and dates that we was working outside of the "normal" office times to make the loan happen. He was very diligent in managing all of the details and assuring that these would not get block the path to the approval. He was instrumental in bringing OMNI's management when he had felt that he had exhausted all of his efforts to get the appraisal completed for the loan. Once that we had the loan, he immediately began "holding our hand" and maturing the loan through the siring of the monies. This was truly a warming and confidence building effort for us. Thank you!"
-Marvin Bucholz, Hilbert, WI
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"I could not have been happier than to work with Michael Creed on our first home mortgage. His professionalism and knowledge are unmatched and he made me feel extremely comfortable with the process. His integrity is unmatched and it is exactly what this industry needs. Michael will help you close with the confidence!"
-Rob Joyce, Milwaukee, WI
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"I could not have been happier than to work with Michael Creed on our first home mortgage. His professionalism and knowledge are unmatched and he made me feel extremely comfortable with the process. His integrity is unmatched and it is exactly what this industry needs. Michael will help you close with the confidence!"
-Rob Joyce, Milwaukee, WI
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"Being first time home-buyers, we had a lot of questions and needed guidance. Michael Creed did an outstanding job working with us. He was always available to help us. We appreciate his hard work and dedication to us during the our home buying purchase. We love our new home!"

-Beth, Jason, Madelyn & Diego Battista, Madison, WI
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"Michael was incredibly prompt at returning calls, and always had information we needed ready."
-Brian Riffle, Stoughton, WI
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(more below this Zillow.com block)
"Michael always kept me informed of what was coming next, he never gave me a chance to have any questions. Michael was great I felt like I was dealing with a friend from day 1."
-T. Wayne Ashby, Louisville, KY
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"I've closed a few mortgages in past number of years. If knowledge, professionalism, and customer service during and after closing is important to you, then Michael Creed is the right person to use. He truly earned my business and I know he will earn yours if you give him the opportunity."
-Ken Hardenbrook, Mobile, AL
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"I thought that my personal banker at Chase would help me get a competitive refinance rate since I was one of their exceptional customers. However, his advice was not as reassuring as Michael's choices that were presented to me to make an informed decision. Michael really breaks down the complex mortgage lingo to the customers level of understanding. I am thoroughly pleased with the smooth process and lightning speed service that I received in refinancing my mortgage with Michael and First Omni. I have recommended him to all of my friends."
-Celeste Campbell, Brown Deer, WI
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"Since we wanted to get everything completed in a timely manner, it was nice to have a mortgage company who could do the same for us!"
-Dane & Mindy Wilham, Louisville, KY
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"Hi I'm writing on behalf of the service I have received from one of your loan officers by the name of Michael Creed. First off I wanna tell you that I'm a first time buyer, and second is that I have had the best experience working with Mike!! He has been very helpful in so many ways! He treated me like family! He always called me back, always answered my questions, & always seemed to go the extra mile or two if needed! I just wanted to comment on the service I received because he really does deserve a pat on the back!!! Way to go mike.. best of luck in the future!!"
-Jerry & Katie Caygill, Waunakee, WI
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In a letter sent to the VP that I report to, a client had the following to say about working with me:
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"David,
I’m writing to voice my appreciation for the service that Michael provided during our recently completed mortgage refinancing. He provided immediate feedback, he took the time to fully explain every step along the way, and it’s obvious he loves what he does as evidenced by his interactions with us.
Regards,
Jamie
Peshtigo, WI" |
"I was not very interested in using a online mortgage company at first. My fiancé and I were buying our first house which also happens to be the house I grew up in. I had talked to my brother about it and he had suggested working with a local bank because he and his wife had not heard good things about online mortgage companies and pretty much mortgage companies in general."
"Well, of course, I listened to my brother real well. I went online and used Lending Tree. They had listed two mortgage companies. I don't even recall what the other one was. I was never tempted to go check with the other company. Michael at First Omni just seemed to be a good guy and told me like it was. I am glad that we had a chance to work with Michael. We did have a lot of things to get done but Michael worked through it with us. Early in the morning or late at night. I can't say that I would work the hours that he did for us. Like I said we were first time home buyers so we did have a lot of questions and he never made us feel like there were stupid ones. I would recommend Michael Creed with First Omni to anyone family, friend or just about anyone. He is very professional and courteous."
-Ryan Braun, Fremont, WI
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"The entire process was very 'user friendly' and Michael Creed was quick with explanations and assistance as needed."
-Cindy Kays, Virginia Beach, VA
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"Man! You run like a well-oiled machine Mike! Your efficiency and organization is impressive and appreciated!"
-Brian Hyde, Brookfield, WI
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"Michael was both easy to work with and acted as a mentor to me throughout the whole process. He was quick at addressing any concerns I had and answering my questions. He always acted as if we were very important to him, and not one who just saw us as a file number and potential commission check. Michael did a great job and I wholeheartedly recommend him to anyone needing help with a prospective mortgage or refinance."
-Greg Kamer, Louisville, KY
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"I think that Michael Creed with First Omni made the entire home purchase process easier than expected. I chose to use Michael for my second home purchase because I trust his judgment (I used him and First Omni for my first home purchase two years ago as well). He ensured that I understood everything and was well informed throughout the entire process. He was also very honest and patient. He was readily available whenever I needed him. I would recommend Michael Creed with First Omni to anyone considering purchasing a home."
-Greta Prewitt, Cane Ridge, TN
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"We still felt that we received the personal attention, and face to face connection of a local mortgage banker when working with Michael even over phone and internet!"
-Kylie and Wesley Wilson, Memphis, TN
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"I was warned not to use a mortgage company from the internet unless it was a well known bank. From the first contact, any fears I had were put to rest. Michael Creed is the best."
-Paula & Dennis York, relocated from Homestead, FL to Woodstock, GA
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"I will recommend Michael Creed with First Omni to everyone I know. He was very professional and helped me with any questions I had throughout the whole process. I have closed on several different homes and by far this was the easiest."
-Jennifer Ljubisavljevic, Middleburg, FL
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"Michael was extremely easy to work with. He responded to my enquiries immediately and the closing went smoothly. I was able to pay off some high-interest credit card debt which increased our monthly cash flow."
-Kelly & Richard Perley, Montpelier, VA
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"We would like to say we were very pleased with the quality of service that Michael Creed provide during our loan application process. Michael provided great availability and superior customer service to meet all our needs during this loan application process. We appreciate his time and great effort!"
-Thomas & Robyn Wyatt, Bella Vista, AR
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"I was constantly updated every step of the way and you took the time to explain the "why" any time I had a question. I would not ever want to work with anyone else. I was involved every step of the way. Michael jumped through hoops and took all the worries away. I can't say enough!" To see a more detailed Testimonial from Sherry, please click here.
-Sherry & Roger Sears, Musella, GA
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"Mike was always professional and easy to work with. He has awesome follow-up skills. Although he was/is in another state I felt like he was right here with me during the whole process. His upbeat personality was refreshing and appreciated. I wish Mike continued success in the future! I will gladly do business with Mike again in the future and I will recommend him highly to my employer Wal-Mart for their relocations! Thanks!"
-Gayle Y. Voss of Jonesboro, AR
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"Michael is a dedicated, true professional! We only wish would could have met him face-to-face at our closing."
-Bill & Sharon Foley of Elizabeth City, NC
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"I went through Lending Tree. We got a hundred calls a day. The first time that I talked to Mike was on a Sunday, I was surprised that he answered my call. I was skeptical about doing business online, but he eased my mind. It didn't matter what time that I called Mike, he always had time for me. This guy really works hard for his customers. Mike, I will be sure to recommend you to family and friends. Thanks so much for your outstanding way of doing business."
-Kevin & Crystal Potter of Breaks, VA
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"I have always been skeptical about doing business online because you never "really" know who you are dealing with. I have since changed my mind after my great experience with First Omni and yourself. I will be sure to recommend you to both my friends and family! Thanks again for the level of "Ease of doing business" that you added to this transaction. You know your stuff and it was very refreshing to find someone that knows the ins and outs. THANK YOU!"
-Teesha Davis of Ardmore, AL
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"In the summer of 2006, I was able to purchase a home all by myself after a terrible divorce, despite some 'not so good' credit. Mike eased my fears and worked diligently to get me in a house at the best possible rate. I later used him to refinance that house (January 2008) and I plan on coming back with my next home purchase, I highly recommend that you do the same!"
-Tracey DuBose of Deatsville, AL
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"I was apprehensive about dealing with "online lenders". I received about a dozen calls, but Michael Creed proved to have a genuine concern about ME, not just making money from someone he would never have to see face to face. He kept me up to date every step of the way. He informed me of upcoming things so that nothing caught me by surprise. I even closed my loan at my dining room table. Michael is a consummate professional but he has a care and concern for others. I feel sure that you can find confidence as well as something in common with Mike. Thank you so much for all your help."
-Jimmy Gravely of Pickens, SC
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"When you apply online you don't know what to expect. We received many responses to our application. We called a few, but by far we liked the way Michael interacted with us best, initially. It doesn't take too long into the process when you realize that Michael is the real deal. With his energy (you can just sense it in the emails and the phone conversations), and his "get things done" kind of attitude, you feel secure in working with him and First Omni. I believe I asked Michael every question I could think of during the process and he always answered to the fullest. I would work with him and First Omni any time I need another mortgage."
-Kim Spring of Muskegon, MI
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"Congratulations to your and your family on your new son. I am so happy for you. You can count on me to send people your way. You were great and I sure do appreciate the job you did for me. In fact, what you did for me enabled me to move forward in my life, retire from Respiratory Therapy after 30 years and open my own business. I now am owner and manager of my own Merle Norman Cosmetics Studio at The Wharf in Orange Beach, Alabama. This is the new hot spot in our area. You can go online and check out The Wharf. It is great."
-Patti Howard of Gulf Shores, AL
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"I thought, like a lot of people, that my past credit problems would keep me from qualifying for a home loan or, if I did qualify, I would have to put down a large sum of money (that I didn't have) and end up with an exorbitant interest rate. First Omni Lending and Michael Creed divested me of those negative thoughts. I was assigned a loan officer (Michael Creed), pre-approved for a home loan and had a locked-in rate within 24 hours. I received an e-mail that detailed the loan process and what I would need every step of the way. One of the best things about working with Michael Creed is that he tailored the process to fit my needs. He asked me how I would prefer to be contacted and when I told him via e-mail, he said "no problem". I received all the information I needed online and when we needed to talk via phone we did. This was a huge help because I was transitioning from one job to another and was overwhelmed with meetings and unavailable by phone often times but this didn't stall my loan process whatsoever. E-mails from Michael Creed were all I needed – which provided just the right amount of information and detail – to take me from contract to closing. This was by far the smoothest process and Michael Creed made the difference. He is knowledgeable, courteous and treats you like a good friend buying a home instead of just another client. I never felt like I was bothering him by asking questions. I have honestly had car purchases that were more painstaking and stressful. I will definitely be doing business with First Omni Lending and specifically Michael Creed again. Plus, I will be telling all my friends and family that before you shop elsewhere for a home loan check with Michael Creed first."
- Michelle Leete of Alexandria, VA
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"The service we received was outstanding and Michael went above and beyond! We couldn't have been happier in the way that our loan was handled and how we were treated by Michael Creed and First Omni! Thanks..."
- Rose & Dustin Procter of Acworth, GA
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"We were with another loan company that we were unhappy with. We applied on the internet and were given a bunch of different companies to work with. The only one out of the group of companies that caught our attention was Michael Creed with First Omni. He returned our calls immediately not hours or days later. He kept us informed daily on the progress of the loan and you could call him any time with a question and he got back with you immediately! We would recommend Michael Creed with First Omni to anyone. So get rid of your worries because you won't be sorry if you call Michael Creed today!!"
- David & Penny Prater of Taylorsville, KY
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"Working with Michael Creed & First Omni was the best decision I could have made. This was my first home buying experience, and Michael's attention to detail and proactive nature ensured that the entire process went smoothly from start to finish. If you have mortgage needs, I highly recommend working with Michael.
You often only hear about home buying horror stories, but the process doesn't have to be a bad experience. In fact, this process was much easier than I ever thought it could be!"
- Stacy Bernstein of Stevensville, MD
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"Mike, you'll never ever have to worry about my referring anyone your way, because you will always be the #1 choice in my book. As a matter of fact, you will be the only one I use from now on when making real estate purchase/refinance decisions (I'm thinking about possibly keeping and refinancing my old home). Finally, CONGRATULATIONS again and regards to the family...Have a safe and enjoyable Memorial Day weekend."
-Tyler Brown of Clarksville, TN
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"I worked with Michael Creed & First Omni, on my first mortgage a few years ago. I was nervous about the online loan process, but Mr. Creed was much more knowledgeable and supportive than local loan advisors. When I was considering a second mortgage, I immediately contacted Michael first. I would recommend online lending to everyone, and for added professionalism and quick response call Michael Creed.
I like Michael because I feel that the knowledge of my mortgage banker and the ability to provide immediate assistance and support is imperative; Mr. Creed was great at providing all of this at any given time. I feel that it is crucial to work with someone who can answer any question you may ask when you are dealing with financial questions. Mr. Creed certainly met this requirement both the first and second times we worked together."
- Derrick Craddock of Martin, TN
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"If you need a home mortgage, we highly recommend using Mike Creed of First Omni. Mike was absolutely the best - he was knowledgeable, professional, and very responsive to our needs. Using an online lender was a breeze, all went smoothly even though we live in Virginia and purchased a home in Wisconsin. Give Mike a try, I guarantee that you will be as pleased!"
- Joyce & Gerald Werking of Springfield, VA
purchased 2nd home in Milwaukee, WI
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"Our experience with Mike at 1st Omni was a positive one. We had several people trying to give us a loan but we chose to go with Mike. The main reason was his constant communication and attention to detail. He was very positive and upfront with us. Very strong attributes. If we weren't sure of something, Mike was able to put it in terms that we could understand. We have nothing but excellent things to say about Mike and 1st Omni Mortgage Lending. Thanks again Mike."
- Chris & Jennifer Heiby relocated from
Conway, AR to Louisville, KY
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"We dreaded the refinancing process until we found Michael Creed at First Omni. Our last loan experience was time-consuming, tedious, and we were always left guessing. Michael did all of the work, answered every one of our questions, and was superefficient. We were very impressed with Michael's professionalism and how knowledgeable he was throughout the entire loan process. He kept us well informed every step of the way! We will definitely do business again in the future!
A few months later, we found a home out of nowhere that we fell in love with. We came back to Michael to for the mortgage to buy that home and he processed it through the VA loan program at our request. We closed about three weeks after we started the VA process! The experience was just like the refinance and, like we said before, we will definitely do business again in the future!"
-Dave & Tina McDowell of Valparaiso, IN
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"Michael helped me tremendously in understanding my different options. He was always available and quite patient with me. Willing to work with me on email versus phone which was a much smoother process for me. I was in a mortgage situation that was not financially beneficial for me and Michael worked with me to find the best option that would much better suit my needs. He was easy to work with and readily available. I would definitely work with him again."
-Sharon Butler-Pearson of Germantown, MD
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"There was excellent communication between us and our agent Michael Creed - we felt we were always in the loop. Outstanding service was provided and our questions/concerns were dealt with on the highest of consideration and respect. From beginning to end - the process of applying for & obtaining the mortgage was made with great ease and total respect for all parties concerned. Michael Creed is a definite asset to First Omni."
- Tim & Jackie Donoghue of Malden, MA
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"When I started this online transaction I was very uncertain of how safe and easy it would be. I was quite surprised to find that Mike made sure that my personal information was safeguarded and he made sure that when he requested info from me he didn't request one thing at a time, he gave me the list and that was it. He saved me a lot of time and stress. His communication skills are great and he is very sincere about his position and role when it comes to helping his clients; I never had to wonder what was going on. It was a very smooth transaction and I highly recommend his service and his company."
-Brian Shelton of Savannah, GA
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"The best part about closing my loan was that it only took 9 business days from start to finish. The thing that amazed me is that we had a 14 percent decline in value in my area and Mike found a way to make my refinance work for me. He never called with excuses, but always had options. That is professionalism at its best! I went through two other mortgage companies before returning to Mike (he closed my purchase for this same house two years earlier); I will start with him from now on. As long as he is in the business, I will be returning to him. I expect to buy a house in Florida within the next few years and he will get that business."
- Terry Parker of Woodbridge, VA
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-Third-Party Testimonials-
"Mike has been a pleasure to work with since I started doing loans with him in Wisconsin. He's easy to get a hold of and quick to respond to emails and phone calls. I just did an FHA appraisal for him in which there was peeling paint on the exterior of the Subject home, and he actually offered to go out there and help paint the property himself so that the homeowners home would be FHA compliant. I've been an appraiser for 5 years and that is a first! I've seen very few mortgage lenders with the dedication of Mike."
- Dan Ludwig - Appraiser - Adept Appraisal - Racine, WI
http://www.adeptappraisal.com
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"My experience with Michael Creed has been great! From a title stand point, you may wait for days to get the information you need but not with him, he has it to you before you can even ask! He is very organized and puts his customers at ease and assures they understand everything before they leave the closing table."
-Tammy Kloehn - Closing/Funding Manager- Reliance Title Services - Brookfield, WI
http://www.reliance-title.com
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"You did an absolutely fantastic job in assisting my buyers Paula and Dennis York. You were
on top of your game – you showed great attention to detail, kept everyone informed and were a pleasure to deal with.
I will admit – I was skeptical at first – when my buyers said they had located an online lender they wanted to use. However, there was no reason to fear as you certainly proved your professionalism and capabilities -you did an outstanding job. Thanks again!"
-Mary Russell - Realtor® - Coldwell Banker Residential Brokerage - Marietta/Town Center, GA
http://www.marysoldmyhome.com
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"When my client chose to use an online lender rather than a local bank or mortgage company I was apprehensive. However, Michael Creed from First Omni proved himself to be an excellent choice. He was extremely efficient, very knowledgeable and for my first time home buyer, always available for needs and questions...A quality not often shared by many local bankers.
He handled the transaction from start to finish himself, and the closing happened very quickly and without incident...I enjoyed working with him because he kept myself and my client informed of the whole process - step by step. I will definitely add him to the list of experienced, qualified and reputable professionals that I keep for future clients!"
-Patricia Straub - Realtor® - Century 21 Americal of Allen Park, MI
http://www.century21americal.com/agents.php
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"I thoroughly enjoyed working with Michael once again on our second transaction with the same client (that speaks volumes!). Though I was nervous during our first transaction to work with someone out of state, Michael proved over and over again his knowledge of his field and that he was trustworthy of giving our client all the information she needed to make informed decisions that equaled TWO successful transactions! Thanks Michael!"
-Page Turner - Broker - EGAP Real Estate of Nashville, TN
http://www.egaprealestate.com/
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"Just finished a very trying transaction for my clients. Without going into details, I would like to say that Mike was wonderful throughout the process, and without his help, this may have not transpired at all. Our clients are thrilled with their purchase, and relieved that the ordeal is over, and they also expressed their appreciation for all of Mike's assistance."
-Tom Krupinski - Realtor® with Century 21 New Millennium of Warrenton, VA
http://tomkrupinski.com/
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"I have worked in the escrow/title industry for years and recently had the distinct pleasure of working with Michael Creed. To say that the closing process was easy is probably an understatement. The word to describe this process would be “effortless.”
My job is to get the closing package to table and close it on behalf of Michael’s company. In the normal closing process, sometimes you hit a few bumps in the road and uneasy borrowers. This was not the case with any of Michael’s closings. His borrower’s are always well informed and educated about the closing process due to his constant communication with them. He made sure that everything was done professionally and quickly.
If you want your closing handled by an astute professional, I would strongly recommend Michael for your closing needs."
- Rochelle Bond - Manager with Premium Title Group LLC of Louisville, KY
http://www.premiumtitlegroup.com
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"My customers picked Mr. Michael Creed from First Omni Mortgage to handle their loan and I found him to be very professional in handling my clients who are first time buyers. We had a 30 day closing that was finished and ready to go within 2 weeks. Wow and Wow!"
- John Slayton - Realtor® with Linton Hall Realtors of Gainesville, VA
http://www.wesellpwcounty.com
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"[This was] The smoothest Loan processing I have ever had when working with different loan officers. Michael Creed really made the whole process easy and fast. I am sure my client was very happy and surprised how smooth everything went too. I couldn't have felt more confidence with any other Loan Officer."
-Tari Ekpebu - Realtor with Keller-Williams of Kinstown, VA
http://tarihomes.yourkwagent.com
"I have done over 175 buyer transactions in the last 7 years and Mike is the best mortgage person I have ever worked with."
- Jack Wright - Realtor® & Owner of Realty First of Louisville, KY
http://www.realtyfirst-ky.com
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"I was skeptical about working with another online lender since it had been such a problem in the past. However, Michael Creed was very easy to work with. His great communication kept me in the loop the whole time. It was a very positive experience and I will be sure to utilize his service again. I would also recommend Michael Creed to other Realtors."
-Dianne Person CRS, MMDC, NAR, Vice- President
Crye-Leike Realtors of West Memphis, AR
http://dianneperson.crye-leike.com/about.php
"I recently had a client do a refinance with Mike, and it was a very pleasant experience, Mike kept my client in the loop as to the process of the refinance and also myself. He also provided us with all of the documents we needed and responding quickly to any of my clients needs and well as getting the file to the closing table quickly."
- Kathy Belanger, Paralegal to Attorney Scott McCuin of Glastonbury, CT
http://www.scibilia-mccuin.com/
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