
Michelle Dowell-Vest, Sr. VP of Production
NMLS ID #802231
With 20+ years in mortgage lending and 10 years of nonprofit financial executive leadership, I combine financial expertise with a people-first approach to help clients buy, refinance, or invest with confidence.

The Closing Authority Team, knows every borrower has unique goals. That’s why we offer a full range of mortgage solutions designed to meet your needs today and support your financial future. Whether you’re purchasing, refinancing, consolidating debt, or investing, we provide competitive rates, personalized guidance, and straightforward service you can trust.

Whether you’re a first-time buyer or moving into your next home, purchase loans provide the financing you need to make your move. We help you explore your options and secure a loan that fits your budget and lifestyle. We offer down payment assistance and tailored programs designed to help first-time buyers.

Lower your rate, shorten your term, or reduce your monthly payment with a refinance loan. We’ll guide you through options that help you save money and reach your financial goals faster.

Flexible terms and competitive rates make conventional loans a strong option for many buyers. Ideal for those with solid credit, these loans can be tailored to fit your financial goals.

FHA loans are designed to help more people become homeowners with lower down payment requirements and flexible credit guidelines. Perfect for first-time buyers or those re-entering the market.

Exclusive to veterans, active-duty service members, and eligible spouses, VA loans provide powerful benefits including no down payment, competitive rates, and flexible terms.

If you’re purchasing in a qualified rural or suburban area, USDA loans offer no down payment options and affordable financing, making homeownership more accessible.
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