Hello
Michelle Dowell-Vest, Sr. VP of Production
With 20+ years in mortgage lending and 10 years in nonprofit executive leadership, I combine financial expertise with a people-first approach to help clients buy, refinance, or invest with confidence.
Loan Programs Built for You
At The Closing Authority, we know 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.
Loan Products We Offer
Purchase & First Time Home Buyer Loans
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.
Refinance Loans
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.
Conventional Loans
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 Purchase, Refinance, and Streamline Loans
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.
VA Purchase, Refinance, and Streamline Loans
Exclusive to veterans, active-duty service members, and eligible spouses, VA loans provide powerful benefits including no down payment, competitive rates, and flexible terms.
USDA Purchase, Refinance, and Streamline Loans
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.
Show More
About Us
Who is Michelle Dowell-Vest?
Who is Michelle Dowell-Vest?
Who is Michelle Dowell-Vest?
Hi, I’m Michelle Dowell-Vest, Sr. VP of Production with The Closing Authority. My career brings together more than 20 years of mortgage lending experience and 10 years in nonprofit executive leadership. That combination allows me to approach every client relationship with both technical expertise and a people-first mindset.
Throughout my c
Hi, I’m Michelle Dowell-Vest, Sr. VP of Production with The Closing Authority. My career brings together more than 20 years of mortgage lending experience and 10 years in nonprofit executive leadership. That combination allows me to approach every client relationship with both technical expertise and a people-first mindset.
Throughout my career, I’ve helped clients secure the right financing for purchases, refinances, investment properties, and specialty loan programs. My nonprofit background sharpened my ability to listen deeply, build trust, and create solutions that meet people where they are. These values continue to guide the way I work today.
I believe mortgages don’t have to feel complicated. My goal is to make the process clear, simple, and tailored to your needs—whether you’re buying your first home, refinancing to save money, or leveraging equity for your next investment.
As Sr. VP of Production, I lead with a commitment to excellence, responsiveness, and long-term relationships. With The Closing Authority, you can count on a trusted partner who is dedicated not just to closing loans, but to helping you achieve your financial and personal goals.
The LEgal
Who is Michelle Dowell-Vest?
Who is Michelle Dowell-Vest?
All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
Pre-Qualification Disclaimer: Our partners’ pre-qualification for
All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
Pre-Qualification Disclaimer: Our partners’ pre-qualification form is a self-assessment tool to determine whether your business may be qualified for the application process, and is not an application for, nor a guarantee of credit. A completed application must be provided for underwriting review before a loan decision can be made. This page does not in any way promote any mortgage or auto loans, and it does not contain any type of credit card applications. It also does not affect your credit score.
APR interest rates can range from 3.1% to 9.9 % and is largely dependent on your personal current situation, including but not limited to credit rating and history, your monthly salary, and your debt to income ratio.