Your   homeownership journey starts here

The mortgage process simplified.
Fast approvals, local experts, trusted results.

NMLS: #654007

Michelle Lynn Nimoh

Mortgage Advisor

With 14 years of experience in the mortgage industry, I specialize in retail lending and have been serving clients since 2008. My approach is transparent, positive, and knowledgeable—I make myself available to guide clients through every step of their journey. I pride myself on being responsive, kind, and going above and beyond, often building lasting friendships with the people I work with.

Helping clients purchase or refinance isn’t just a job—it’s my passion. I love being part of their journey to get ahead in life and watching good people thrive.

Outside of work, I’m a proud mom of three incredible kids, ages 4, 11, and 12, who keep me energized and young at heart. I love traveling and attending concerts, always living by my motto: book the flight, go to the concert!

 

 

Licensed in:

AZ

Specialties:

First Time Home Buyer

VA Loans

DSCR Loans

Down Payments Assistance Programs

Lending Specialties

First Time Home Buyer

VA Loans

DSCR Loans

Down Payments Assistance Programs

Why work with me?

100+

Families helped

18 Days

Average close time

14 years

Of experience

Real clients. Real results.

My experience with Brad was exceptional. I would recommend him to anyone, he had our best interest in mind and will ensure he does everything to help you. Highly recommend.

Nicole S

Google

One of the best lender “MAN”

Elizabeth D

Google

Richmond and Joshua are amazing at what they do. They take great care of our clients and also handles my personal lending. I really appreciate them.

Lania F

Our Website

I think you did great Ben you did not give up when I almost gave up excellent job thank you I need to talk to you anyway

Peaches D

Our Website

Blake and his entire team are fantastic! The whole process went so fast, from inquiry to closing in three weeks!

Sarah H

Our Website

Bo was great to work with. He walked me through the entire process and everything went off without a hitch.

Jeffrey C

Our Website

Nicole and the entire team was so caring and just plain amazing. I was taught a lot of things that I can use not just for my new home but how to better myself and build my credit score to the highest level I’ve ever seen. I would tell anyone that Nicole will do her absolute best job for every single person and to her you are a person not just a number on a loan document.

James M

Our Website

Only positive things to say. Tyler guided us through every step of the way to closing.. Always responsive, knowledgeable, and great attitude. Everything was clear and knew what to expect. Highly recommend.

Ulises V

Google

I will recommend her million times very helpful and nice person she help me bought my first house may God bless her.she is wonderful and kind

Mahawa C

Google

Loan Programs

1% Home Loan Program

Featured

Conventional Loans

Featured

Down Payment Assistance (DPA)

Featured

Home Renovation
HELOC Loans
Jumbo Loans
Low Down Payment Loans
Temporary Buydowns
VA Loans
Construction Financing
FHA Loans
Bridge Loans
Community Lending
Condominium Loans
First Responders – Nurses – Teacher Loans
Manufactured Home Loans
Reverse Mortgages
USDA Loans
Bank Statement Loans
Click n’ Close SmartBuy National DPA
DSCR Loans (Investment Loans)

Featured

Expanded Credit Loans
Expanded Income Loans
Loans for Foreign Nationals
Medical Professional Loans
Pathway DPA Program
Secure Lock Program
Seller PreLock Program

Refinance With Purpose

Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around
what matters most to you.

Consolidate Debt

Simplify what you owe. Use your home’s equity to combine high-interest debt into one  payment.

Lower Payments

Improve monthly cash flow. Even a small rate adjustment can create  savings over time.

Get Cash Out

Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.

Change to Fixed Rate

Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.

Refinance VA Loan

Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.

Discover your home’s value instantly.

Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property.

We'll watch the market for you

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

Mortgage Calculator

Estimate your monthly payment in seconds.

$400,000

$50k $2M+

Customize taxes, insurance & HOA

Not required (Down payment ≥ 20%)
Estimated Monthly Payment

$0

Principal & Interest Mortgge Loan
$0
Property Tax Estimated
$0
Home Insurance Estimated
$0
HOA & PMI Fees
$0
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes.

Frequently asked
questions

With short and easy to understand answers.

Couldn’t find your answer?

[email protected]

Couldn’t find your answer?

[email protected]

Ready to take the
next step?

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

  • Competitive rates
  • Expert support
  • Easy process