The Oddo Group Team – Luminate Home Loans

michelle oddo oddo group littleton mortgage lender

Michelle Oddo

Senior Mortgage Banker & Branch Manager
(303) 961-6906
(720) 738-1081

CO License 100028804
NMLS 297239

I believe that relationships matter and getting a mortgage in today’s world should be high tech but also high touch!

People | Experience | Integrity

Nothing excites me more than to show you how a mortgage done correctly can help you achieve your real estate dreams and increase your financial health. I was raised with the belief that “every problem has a solution” and my superpower is thinking outside the box to get to that solution!

I take my years of underwriting background and mortgage knowledge to come alongside you, serve as your guide, and work to plan a successful path for you and with you – so YOU can enjoy the process!

What makes my heart sing…

  • Cooking amazing food with my husband and having others come and enjoy with us
  • Anything beach – the ocean sounds soothe my soul, feet in the sand and the sun on my face is my happy place
  • Being mom to my 2 teenage boys is wild, fun, and exhausting but mostly it is my greatest joy!
  • Renovating properties and taking them from ugly to beautiful is my side hustle and fills my inner creative

Little-known facts

I love karaoke and to sing, but I am told I better not quit my day job!

Are we a good fit?

Top 1% of all Mortgage Lenders in the Country | 5280 Five Star Professional award recipient 12 years in a row | Host on the national tv show Financing The American Dream | #1 Lender in Highlands Ranch (total volume) | Helped 406 families achieve home ownership or refinance in 2021 | Platinum sponsor of Chamber of Northwest Douglas County | Homes for Heroes | Member of SMDRA (South Metro Denver Real Estate Association | Circle of Excellence winner

I was always told if you can’t say it best yourself, find someone else to say it for you…

Michelle gave me all the time I needed to understand the numbers, help me make an informed decision and I never felt rushed. The team gets you to the finish line. My wife and I are grateful Thanks ladies!! You all are amazing!! Let’s do it again on an investment property nearby!” – G. Kaleski

Ready to make your real estate and financial goals a reality? Let’s connect!

tim oddo reverse mortgage specialist

Tim Oddo

Reverse Mortgage Specialist

O (303) 233-4500

NMLS 302667

dennis gilmore sr mortgage banker oddo group

Dennis Gilmore

Sr. Mortgage Banker

O (720) 237-1821

NMLS 362958

carla Cavallo oddo group mortgage littleton

Carla Cavallo

Loan Officer Associate

O (720) 738-1083

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.


Diamond Espinoza Oddo Group Reverse Mortgage

Diamond Espinoza

Reverse Loan Officer Assistant

O (720) 738-1085

mortgage loan processor Oddo Group Littleton Kiera

Kiera Frydrychowski


O (720) 738-1084

NMLS 12007

Tonya Warren Oddo Group

Tonya Warren

Loan Production Partner

O (720) 256-1012

NMLS 1772734

caitlin weimer

Caitlin Weimer


O (720) 738-1083

NMLS 12007

Get in touch with Michelle Oddo and the Oddo Group team at Luminate Home Loans today to discuss your various loan options!