GuaranteedRate - Mortgage Company

Michael Vincent

Vice President of Mortgage Lending
11806 Aberdeen St. N.E., Suite 250, Blaine, MN 55449
Contact Michael
NMLS: 302994
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My loan officer Mike Vincent held my hand the whole way. I felt comfortable. Everyone was helpful with the process. My family is grateful, now we can get out of debt and get some type of budget . This Refi helped us get back on track. Thanks again Guaranteed Rate!

Maalik H - Brooklyn Park, MN | Feb. 2016

I was lucky enough to be partnered with Michael Vincent, who not only educated me on the process. But gave me a feeling of genuinely wanting to help me secure a loan for my first home. He was always there whenever I needed something, and i am forever thankful and grateful for him. He made the whole process a personal experience I will never forget. Thank you again!

Susan J. – 2/16/2016

From my first interaction with my loan officer, Michael Vincent, to my amazing Jessica Sepeda. I feel so lucky and and grateful that I was referred to Guaranteed Rate. They made everything seamless, and as stress free as possible. Michael educated me on everything that other lenders did not. I thought owning a home was a dream, but Guaranteed Rate made it a reality.. Thank you so much

Susan J. – 2/16/2016

We were very happy to work with Mr. Vincent and the other members at Guaranteed Rate. They were awesome all the way through our home buying process. Mr. Vincent went above and beyond helping us with our loan process. We cannot express our appreciation enough for all the help and assistance we were given. Many blessings are hoped for Mr. Vincent and the whole team at Guaranteed Rate!!! Thank you!!!

Michael L. – 2/4/2016

About Michael

I have been involved in the mortgage industry for 17 years. I spent eight years as vice president of a local bank. And, I am passionate about finance. I have a saying that sums up my financial philosophy. All people have the opportunity to create for themselves and their community, economic well-being. I believe a fundamental ingredient of this is owning your own home.

My wife Lory and I have a small hobby farm just north of the cities. We enjoy country living with our small vineyard, chickens, bee hives, and our gardening. We are passionate about organic growing practices. We wouldn't change a thing.

Michael interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage industry for 17 years. I enjoy finance and the sharing of knowledge that allows people to take hold of their financial lives
How long have you been in the mortgage business? What awards have you won?
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
Recently, a client of mine had 550 credit. I looked at what they needed to do to produce them to a credit score of 640. By my estimates, they would be able to purchase in 6 months and their credit score would be 648. I hit the first, credit score went to 642. And, they were able to purchase.
What can borrowers do to insure a smooth mortgage underwriting process?
I like to meet. And, after we spend a little time together, I make a list of the items I need in order to make informed decisions. Documents can be faxed, dropped off, emailed, or sent through our secure transfer site. It is always important to produce any additional information required when requested and it is rare when additional information is not needed at some point in the mortgage process. We need to communicate effectively throughout the process.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I enjoy big trees, clean water, and gardening. That is when I feel most alive.
Tell us something that makes you unique or something wacky, yet interesting about you?
It is my belief that when people meet me they see a person of substance and depth.

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