TWIN CITIES MORTGAGE BANKER
Home financing, explained the way a friend would.
I'm Michelle Davis. With 30 years of Twin Cities Real Estate experience and a local bank behind me, I'll tell you straight what you can afford, which loan fits your needs best, and exactly what happens next.
✔ Local Minnesota Bank
✔ Call or text 7 days a week
✔ You work with me, start to finish
Where are you in your journey?
Buying my first home
Low down-payment options, first-time homebuyer programs and a plan you understand.
Pick the one that sounds like you. I’ll show you the options that actually fit.
Moving up
Buy your next home before you sell this one — no double move, no contingent offer.
Downsizing
Use the equity you've built to right-size your life, on your timeline.
Refinance or HELOC
Lower a payment, consolidate, or fund a project with a refinance or HELOC.
FOR MOVE-UP BUYERS & DOWNSIZERS
Buy your next home before you sell this one.
Grove Bank’s Bridge Loan lets you use the equity in your current home to buy the next one first. Make a strong, non-contingent offer, move once, then sell on your schedule.
1
Unlock your equity
We look at what your current home is worth and what you owe.
2
Buy the new home
Shop with confidence and write an offer the sellers take seriously.
3
Move once, then sell
List your old home empty, staged and stress-free.
What would my payment be?
Play with the numbers. When you’re ready for a real answer - with taxes, insurance and the programs you qualify for - I’ll run it with you.
Enter a rate
For illustration only. This is not a rate quote or commitment to lend. Does not include taxes, insurance, HOA dues, or mortgage insurance, which will increase your payment.
Here’s how it works with me
1
A no-pressure chat
15 minutes on the phone. Your goals, your timeline, your questions.
2
Get pre-approved
Apply online in about 15 minutes. I review it personally and call you back.
3
Shop with confidence
Know your number. I’m reachable when your agent needs a letter at 9pm or on the weekend.
4
Close & get your keys
Clear updates at every step so closing day has no surprises.
FREE DOWNLOAD
The Twin Cities Home Buyer Roadmap
Every step from “just looking” to closing day - what it costs, what to expect, and the mistakes I see buyers make. Written for Minnesota buyers.
• What lenders actually look at (and what they don’t)
• Typical Minnesota closing costs, explained
• Down payment assistance programs worth asking about
Send me the roadmap
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Ready when you are - even at 8pm on a Sunday!
Start your application online, or just call or text. You’ll hear back from me, not an assistant.