Headshot of Michelle Downing

Michelle Downing

Loan Officer

Houston, TX Mortgage Lender

NMLS #2473045

9999 Bellaire Blvd., Suite 750
Houston, TX 77036
Contact Methods
tel Phone
mobile Mobile
(720) 347-5439
fax Fax


About Michelle

After 24 years as a nurse, I brought my passion for helping people to home financing. I thrive off learning something new, whether working as an armed messenger on armored trucks while in nursing school, traveling the world working on cruise ships or as a loan officer. It’s allowed me to become an expert on innovative and staple mortgage programs – including conventional, FHA, VA, and USDA loans – and help people like you get into the home of their dreams.

Whether this is your first or next home, I’m here to simplify home financing. I’ll take the time to walk you through each step of the mortgage process, answer your questions, and keep you up to date on your loan’s status every step of the way. I’m proud to call the beautiful state of Colorado home and can’t wait to help you make it yours, too.

Off the clock, I’m a cat lover who shares my home with two lilac mink ragdolls and a chocolate Siamese. I enjoy spending time cooking and baking.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 281-853-8803