Our Process
What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Client Testimonials
Why we should work together
About Michelle
Michelle joined loanDepot in 2019, with over a decade of mortgage experience. After earning her Bachelor’s degree in Marketing, she mastered a variety of roles on both the retail and wholesale sides of the lending business. Having worked directly with clients, processors, and underwriters has given Michelle a 360-degree view of the entire mortgage process, allowing her to anticipate and remedy any transactional issues.
Michelle is extremely passionate about assisting others in the largest purchase of their life and uses her knack for finance to do so. Guiding and educating her borrowers in their quest to achieve homeownership is what drives her each day. Seeing their dream become a reality is undoubtedly one of the most rewarding aspects of working in this business.
Michelle is happily married and has two beautiful daughters, Gabbie and Izzie. When she is not originating loans, she enjoys hiking, fitness and yoga. She also volunteers as a track coach and stats keeper for the middle school’s basketball team.
If you are ready to explore your financing options, please do not hesitate to reach out to Michelle!
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Mortgage Education Videos
Reviews
10 Reviews
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09/15/2020
Chris Sprouse from Eugene , OR via Zillow
The Customer Service was excellent! The loan process was fast and the communication was terrific. We were informed every step and would highly recommend.
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05/26/2020
Okke Duursma from Eugene , OR via Zillow
We found Michelle to be a wonderful guide during the turbulent time of buying a home. She is very knowledgeable, experienced, friendly and quick to respond to any questions. I wouldn't hesitate to recommend her to anyone in the market to buy a home! Michelle will look out for your best interest, pun intended.
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05/19/2020
connerclack from Springfield , OR via Zillow
Hardly felt like a Refinance and didn't have to put much work in. Felt like family, and knew they were in it for my benefit! I truly think it was the easiest process i have gone through that seems intimidating.
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05/12/2020
Kathy Bruegman from Coburg , OR via Zillow
Michelle Harms was our Loan Consultant during our recent refinance of our home. Michelle was professional, thorough, and very knowledgeable. If we had any questions she was available throughout our entire refinance process. I would highly recommend working with Michelle Harms as your Loan Consultant.
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10/21/2019
Charles Offenbacher from Springfield , OR via Zillow
I was really happy with Michelle as a lender, we had a bit of a complicated process and she was always on top of things, as well as very prompt. I would highly recommend her.
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09/22/2019
tilleybird from Springfield , OR via Zillow
We were lucky enough to find Michelle Harms when we were selling our first home to buy our dream home, she helped us through the entire process and made it a easy as possible, so when we decided that the interest rates had lowered enough to refinance our home we naturally called Michelle, she made it so easy and comfortable I would recommend her to anyone and everyone. Honestly, if you need a personal recommendation to use Michelle Harms, feel free to contact me personally, that's how confident I am with her abilities.
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09/13/2019
Spiritgirl from Springfield , OR via Zillow
Michelle was a phenomenal help navigating a horribly convoluted process. Things came up and she was always on top of everything. Communication was difficult as I began a new job at the same time, but she handled it with grace and respect. Great soul with a big heart.
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05/31/2017
Vancouver , WA via Zillow
Michelle was so adaptable and friendly. I felt I was a huge priority to her and felt like I had a friend to rely on. You will not go wrong with Michelle. She is so above and beyond expectations that she truly stands out amongst the rest. This wasn't my first time buying a home. I know from experience how huge an asset it is, having someone as dillagent as Michelle on your side.
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07/21/2016
Bend , OR via Zillow
Michelle has been great to work with and I would highly recommend her. From the beginning she set the expectations so I would know what would be happening and when. There were no surprises and she made the experience very easy.
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06/02/2016
Eugene , OR via Zillow
So happy to have done this process with Michelle, she took care of business! We were a difficult loan profile with history of issues and self employed and she still made it happen and the loan we ended up with fit our needs perfectly.
Calculators
Calculate your payment
Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.
Use this mortgage loan calculator to generate a mortgage estimate. Press the "Calculate" button to find out.
Use this mortgage loan calculator to generate a savings estimate. Press the "Calculate" button to find out.
Contact Michelle
