I'm Michelle Muqtadir, and I have 18 years of experience as a residential Loan Consultant to offer you, your friends, relatives, and business partners. Recognizing that each customer has specific needs, I use my expertise along with Caliber's superior in-house processing, underwriting and closing functions to meet those needs, assuring a smooth process from application to closing.Because of the huge selection of lenders out there, I think it's important to know where your loan officer is coming from.
I was raised in the Wedgwood/Bryant area of Seattle and am the youngest of nine children. I attended Assumption School and went on to Blanchet High School. After graduating from Blanchet, I set off to attend Arizona State University in Tempe, Arizona. After my junior year at ASU, I accepted a teaching position in France, where I taught English to French students for eight months. I returned to the United States where I completed a Bachelor of Science Degree in Finance with a Minor in French, graduating with honors.
After graduation, I moved back to the beautiful city of Seattle and soon settled into a Loan Officer position. Now, over fifteen years later, I continue to demonstrate a high level of customer service through my evolving experience and financial knowledge.
When I'm not working on loans, I enjoy spending time with my three children (Lila, Luke and Mila), dog (Oliver), and of course my husband (Nabil). I keep myself busy running, playing soccer, managing soccer teams, skiing, and recently completed my first marathon- The Marine Corps Marathon in Washington, DC.
Over the years, I have also been involved in Rebuilding Together Seattle, a local organization whose goal is to help homeowners in need so they can live independently in warmth and safety.One of the best parts of my job is that I am able to help other people achieve their goals. I value honesty, integrity, and a strong work ethic. I am accessible to my clients seven days a week.
Above all, I consistently exceed client expectations and demonstrate what high-quality, personable service is all about.I have experience with the following loan types: Jumbo financing, 100% financing loans, FHA loans, VA loans, debt-consolidation loans, rehabilitation and renovation loans, loans for second homes or investment properties, loans for self-employed or commissioned sales people, and even loans for borrowers with credit challenges (including low credit scores, bankruptcies and non-traditional credit histories).Whether you have bought several properties or are a first-time homebuyer, I would be happy to explore your options with a free personal evaluation.
I cannot say enough good things about Michelle and the Muqradir team. This was a complicated refinance and Michelle was with us every step of the way. She made this process possible, and I can’t imagine doing it without her. I really couldn’t recommend her enough. - Nora - SEATTLE, WA
Michelle and her team (Nabil and Angie) were very easy to work with and spent a lot of time ensuring my wife and I were comfortable and understanding in the home buying process. They would respond to every question we had promptly and with a lot of patience for first time home buyers. We would highly recommend them to anyone looking for a lender. - Jeremy - Seattle, WA
With Caliber's help, refinancing was a piece of cake! They led us through the process and we couldn't be happier with the level of customer service we received. - Kristin - Seattle, WA
My agent recommended Michelle to me and I loved working with her, Nabil and Angela through the entire process of buying my first home. Home purchase can be daunting but Michelle and her team were very communicative and answered any questions I had, big or small, along the way. We were able to close within 3 weeks since our offer was accepted and I'm truly grateful! - Hiteshi - Seattle, WA
You guys are wonderful, i have appreciated all of your attention to detail and communication! - Spencer - FREELAND, WA
Michelle, Nabil, and Angela were great to work with. Efficient, kind, and communicative. They let us know what the expect along the way and answered all of our questions - John - SEATTLE, WA
Conscientious and courteous service. Knowledgeable team and good rate and terms. Kept us well informed of status of our loan - David - ELLENSBURG, WA
Overall the team was helpful and communicated well. They became close allies as we went through the home purchasing process. - Justin - Seattle, WA
Michelle is very knowledgeable. Responsive and quick to return calls and emails. She and her co-workers asked me very clear questions and documents to save time. The entire process is very smooth and highly recommended. Would definitely do business again with Michelle Muqtadir and CALIBER. - Azadeh - Seattle, WA
Michelle doesn’t just pull the standard product off the shelf if there is something else that is better and more suited to her client’s needs. She definitely goes the extra mile to help and to be of benefit, even in non standard situations. Throughout the process, communication with the staff is timely and informative. Usually a mortgage application is a bit onerous for an applicant. Michelle, Nabil, and Angela make it (almost) a pleasure. I would highly recommend them. - Darro - CLE ELUM, WA
Michelle and her team communicate professionally and regularly. - Colin - Seattle, WA
Fantastic to work with, easy process, and they let you know what's going on each step of the way. - Scott - Mill Creek, WA
Clear communication Explanation of steps Easy to navigate uploading files and paperwork - Megan - Shoreline, WA
From the very start, Michelle and her team were great communicators and extremely fast. They secured us a loan package that worked very well for us and were able to close in 25 days, which included through the Thanksgiving holiday. Amazing turn around time in responding to any and all questions. Can't recommend them enough! - Peter - Seattle, WA
Everyone who worked on this loan application was helpful, informative, and positive. They were timely in answering our questions and to address any paperwork issues. What an incredibly lucky experience to work with this team on a first home purchase! - Katie - Seattle, WA
Michelle was supportive, communicative, and kind throughout the process. Plus excellent rates! - Makenzie - Seattle, WA
Michelle and the team at Caliber were great. Very communicative, very responsive seemingly whenever we needed them, very clear, and helped us a great deal as first-time home buyers. Couldn't have done it without them, I highly recommend Michelle and her team at Caliber! - Joshua - Seattle, WA
Michelle and her team were great, got me refinanced at a great rate and were awesome every step of the way. - Rory - TUCSON, AZ
Michelle and her team were very communicative and responsive. During our house hunt, financing was the least of our worries, based on our prior experience working with her. She was also very knowledgeable and advised us correctly on when it was okay to drop the finance contingency. Their closing costs were quite competitive, if not dollar to dollar compared to the best rate we got, but it was important to us that we work with someone who could close smoothly. - Chetan - Seattle, WA
Everything was well communicated and timely. We felt well taken care of. - Kathryn - Greenbank, WA
Very friendly people to work with and we had an easy, efficient process, even in the middle of the pandemic! - Delphine - KENMORE, WA
Michelle and the team were very responsive to my thousand questions through the process. They also provided guidance to get the best package for my refinance. - David - FEDERAL WAY, WA
Thank you for making the refinance process so easy to do all on line and from the comfort of my home during the pandemic. Nabil's responsiveness to my inquires was immediate, supportive and informative. I am delighted with the interest rate we locked in and thankful for the advice to wait for the rates to come down, which they did even lower than when we started the application. Now that the deal is complete, I am off to a new long term loan that I can't see any reason to refi again! - Nancy - LANGLEY, WA
Michelle and her team are the outright BEST! We have used her for two home purchases and six re-finances over 10 years and cannot think of any ways they could improve on their service. They are beyond competent, incredibly responsive, but patient and willing to explain anything. More importantly, I completely trust them. I can't express how wonderful it is to not feel stressed at all when doing such huge financial transactions. - Brenda - SEATTLE, WA
Michelle was helpful, responsive, and supportive throughout the process! Her straightforward and honest approach gave us the confidence to get through the transaction. A welcome change after dealing with the high-pressure sales approach of several other loan officers. We could not have done it without her! - Douglas - Seattle, WA
Michelle has been great to work with. Very helpful, transparent, and always willing to talk through things over the phone. - David - BREMERTON, WA
The follow through was timely and attentive to my busy schedule. The encouragement to get through the paperwork was so kind and helped tremendously - Carol - EVERETT, WA
Outstanding service!!! - Daniel - SEATTLE, WA
Michelle and her team were very communicative and clear about our different options. Her advise and expertise made the entire process smooth and seemless! I wish I could buy more houses just so I could continue working with her team! They were amazing! - Nicklaus - Bothell, WA
Great rate and good process. - Brian - SEATTLE, WA
As soon as we started looking at houses, Michelle came highly recommended to us from a friend who had previously worked with her on multiple home purchases. With the hot market and limited supply, we were looking for over a year and put in multiple offers. Each time Michelle was super responsive (sometimes replying within minutes!) so we could get an offer submitted as soon as possible. With multiple offer scenarios, Michelle even called the sellers to let them know that our financing was solid. - Kuljit - KIRKLAND, WA
Michelle Muqtadir is so easy to work with. They made this whole process easy. My questions were always answered and I felt I could reach them whenever I needed answers. - Shana - SEATTLE, WA
Michelle is the best!!! My refinance was on the complicated side (I'm self-employed, live out of the country now), but Michelle and her team were fantastic at working with me through the whole process. Michelle is so knowledgeable, extremely responsive, and did an incredible job for me. I would absolutely recommend her to anyone that needs a loan. Michelle and her assistants, Nabil and Angie, are truly the best - I loved working with them all! - Carolyn - Scottsdale, AZ
Thank you to Michelle and your team at Caliber. From the first interaction you all were professional, clear in your communication, supportive and detailed in your instructions, and your online tools made the process easy. From uploading online to document signing, I felt organized and informed. In addition, your staff was friendly and provided quick turnarounds on our needs. I would use you all again and recommend you to my friends. Thank you. - James - Mukilteo, WA
Initially we were dealing with large bank home lenders, both the rate we were offered and the communication we experienced were okay. We were happily surprised when we contacted Michelle, as she was able to offer us a much better rate. In addition she provided us with excellent communication, and was able to close 10 days faster than any other bank we spoke with. All around a great experience. - Joseph - Des Moines, WA
Michelle, Nabil, and Angela are a great team. They have proven, once again, to be a great company to work with for our home shopping/refinance needs. We went to them after some unsavory experiences elsewhere. This company was not pushy or overwhelming to work with at all. They maintain a great, informative, open line of communication throughout the processes. We appreciate doing business with them. - Meredeth - Bonney Lake, WA
Made the whole process easy. Answered emails and phone calls quickly. - Kimberly - Lake Tapps, WA
Michelle and her team were so great to work with, this is the second time we have worked on a loan through Michelle and wouldn’t hesitate to do so again in the future! - Blake - Seattle, WA
Prompt responses to questions, good explanations. - Michael - SEATTLE, WA
Things went smoothly for the most part, and we closed earlier than anticipated. - Anita - SEATTLE, WA
Great attention and service from people who truly care. - Jon - SEATTLE, WA
Thank you for all that you do! - Trish - SEATTLE, WA
As a first time home owner, the process can be very overwhelming. Michelle is very responsive and patient in answering questions, offering advise, and guiding through the process. Great communication skills throughout. Would highly recommend. - Molly - Shoreline, WA
Thanks Michelle and your team you made the experience nice and easy! - Richard - Seattle, WA
Worked very hard for us to get the loan approval done in time! Thank you - Maria - Seattle, WA
Don't know why I said Great but I've done it twice in four years so it must be so. Thanks Michelle. - Robert - SEATTLE, WA
We got a pretty decent interest rate for our mortgage. Michelle and team were extremely helpful with the whole process. - Kavitha - Sammamish, WA
People always make the differnce; smart, quick thinkers being it home. - Adrienne - SEATTLE, WA
We had a wonderful time working with Michelle on our first home loan. She was extremely understanding of our near complete incomprehensiveness of the process, and held our hands the entire way through from initial consultation through signing. - Bennett - Seattle, WA
e - Alexander - SEATTLE, WA
Michelle has been very responsive and has been great about keeping communication lines open. I appreciate my monthly "Homebot" email which kept me informed about all of my opportunities and her recommendations were spot on. I just completed a re-finance that was seamless and stress-free. I have already spoken to a friend about her great advice and plan to connect them. Thank you for your great service Michelle! - Tracy - LAKE STEVENS, WA
Michelle is very responsive and patient to my questions. This my second time working with Michelle, she is the best lender i have been working with. I already recommended Michelle to one of my friend. - Ming - SEATTLE, WA
The team held my hand through the entire process. It was simple and painless. - William - SEATTLE, WA
Michelle was amazing! This was my first home purchase and she was so helpful every step of the way! She had all the answers and was good at breaking things down if I didn’t understand something. She was always quick to respond and always super nice. I appreciate her very much and I’m so happy I had her to help me on this adventure. Thank you again! - Sydney - Everett, WA
I received fair and accurate quotes. After that, the actual fees and closing costs were much lower than expected. Over all, I had a great experience and highly recommend caliber. - Matthew - SUQUAMISH, WA
Michelle and her team were incredibly helpful throughout the entire process. Great communication from start to finish. Shout out to Angie—thank you all for your kindness and genuine help. We were close to abandoning our dream of home ownership, but you guys helped make it possible. We can’t thank you enough! - Natalie - Lynnwood, WA
Michelle and Angie provided prompt, courteous, and helpful communication. I felt very secure and supported the entire time. - Lauri - TACOMA, WA
Michelle is amazing. I would highly recommend working with her. - Swati - SEATTLE, WA
Michelle and her team were wonderful. They were quick, concise, helpful and straightforward. They always got back to us very quickly and we would 100 % recommend them to our friends. I really appreciated Michelle's approach. I've refinanced twice and been through the buying process multiple times, and this was by far the least complicated and concise process I've ever encountered. They answered every question, and never asked for the same thing twice which I really appreciate. Top notch team! - Kelsey - SEATTLE, WA
Excellent communication, efficient and easy to work with. Helped deliver on a tight timeline. Thank you! - Scott - PRESTON, WA
Working with Michelle and Nabil has always been a great experience. They’re quick to communicate and keep us in the loop, as well as thorough when answering any questions we have. - Cassidy - Burien, WA
Great communication, quick to respond, very professional - Katheryn - WOODINVILLE, WA
Michelle and Nabil are super responsive and were quick to clarify any questions we had throughout the refinance process. They made the process smooth for us, even during a pandemic when we couldn't sit down face-to-face! - Megan - Burien, WA
Michelle did an excellent job of providing us accurate information and recommendations throughout the whole process! We definitely would recommend her services to anyone who is interested in receiving a home loan. - Scott - SEATTLE, WA
Michelle and the crew at Caliber are awesome. They take care of their customers and give them a great deal. - Sandipan - REDMOND, WA
The communication, information provided is excellent. I felt like I always had everything I needed to make the best choice for our loan options. - Bruce - KENT, WA
The whole team is very communicative and extremely prompt. We have worked several times with the company and also recommended it to others. We can work with the company knowing that we can fully trust them and know that we are in good hands. Thank you! - Amy - KENT, WA
As first time homebuyers, we really appreciated Michelle’s responsiveness, local knowledge, and expertise. She helped make the process a lot less scary than it could have been! - Jamie - Seattle, WA
Thank you Michelle and Nabil for helping with purchasing , and 3 years later, refinancing our home! You were always available for questions and giving the best suggestions that helped to make the process as smoothly as possible! We appreciate your hard work and great customer service! - Syrym - BOTHELL, WA
Michelle and her team are super down-to-earth and were generally excited about our journey to purchase a home. She was always available for questions and made the experience as painless and easy as possible. It felt like working with an old friend. I would highly recommend Michelle and her team to my friends and colleagues. - Kristina - Seattle, WA
Great communications and really appreciate that I was able to see different options for my loan. Transparency holds great weight for me and really feel like I got that. - Eric - Covington, WA
Michelle and her team made refinancing seamless. The refinance took a little longer than we were accustomed to from previous mortgages, but Michelle and her team were great at keeping us updated along the process and letting us know the status of things - delays due to COVID and a huge backlog of refis. I've recommended her to a few people. - Audrey - Seattle, WA
Michelle and Nubil worked hard through tough COVID circumstances to complete my loan on commissions. - Tyler - Camano Island, WA
Michelle and team made everything as smooth and painless as possible. Quick to respond and gave us clear options and choices for how to proceed. - Derek - Seattle, WA
Michele is terrific! - Brian - LANGLEY, WA
Michelle and Nabil are knowledgeable and helpful. They provided the highest level of customer service including quick responses to all my questions and emails, etc.—even on weekends! Really appreciate it and highly recommend Caliber Home Loans and this team! Thanks! - Emily - LANGLEY, WA
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Private Mortgage Insurance typically costs between 0.5% to 1% of the entire loan amount over 80% LTV on an annual basis.
Refinancing your existing mortgage may be easier than you think.
Learn More >>Do you have questions about lower down-payment options?
Learn More >>Refinancing your existing mortgage may be easier than you think.
Learn More >>Do you have questions about lower down-payment options?
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