Michelle Oddo
Senior Mortgage Banker & Branch Manager
M (303) 961-6906
O (720) 738-1081
michelle.oddo@goluminate.com
CO License 100028804
NMLS 297239
As a prior partner of her own mortgage brokerage company, Michelle has over 25 years of mortgage lending experience as a loan originator as well as experience in loan processing and underwriting. She enjoys helping people choose the right loan to fit their specific needs, and prides herself on educating clients on all available options. Michelle’s expertise is working with self-employed, first time homebuyers and counseling challenging borrowers. Passionate about giving back to her community, Michelle is a member of Chamber of Northwest Douglas County, the Homes for Heroes and SMDRA. Her awards include:
o Top 1% Originator for 2014, 2015, 2016, 2017 & 2018
o 5280 Magazine’s Five Star Loan Officer (a multi-year winner)
o Chairman’s Club at NOVA® Home Loans for 2012, 2013, 2014, 2015, 2016, 2017 & 2018
o Awards (2017 & 2018):
Best Mortgage Lender: #1 in Highlands Ranch, #56 in CO
Best Mortgage Refinance Lenders: #3 in Highlands Ranch, #49 in CO
Best VA Mortgage Lenders: #1 in Highlands Ranch, #31 in CO
Best FHA Mortgage Lenders: #3 in Highlands Ranch, #32 in CO
Best Mortgage Lenders for Low Down Payment: #1 in Highlands Ranch, #43 in CO
Best Mortgage Lenders for First-Time Home Buyers: #2 in Highlands Ranch, #65 in CO
Best Mortgage Brokers: #1 in Highlands Ranch, #14 in CO
Best Mortgage Lenders for Low Credit: #1 in Highlands Ranch, #41 in CO
Tim Oddo
Reverse Mortgage Specialist
O (303) 233-4500
tim.oddo@goluminate.com
www.nomonthlymortgage.com
NMLS 302667
Carla Cavallo
Loan Officer Associate
O (720) 738-1083
carla.cavallo@goluminate.com
NMLS 963818
CO License LMB100021883
Carla has 18+ years of experience in the mortgage industry. She will structure any home loan for you, including FHA, VA, Conventional Conforming and Jumbo. Carla passionately works to make the loan process as smooth as possible for The Oddo Group’s clients. In her free time she enjoys spending time with her family.
Anne Marie Howsden
Loan Production Partner
O (719) 440-7479
annemarie.howsden@goluminate.com
NMLS 1675305
