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Hello
I'm Michelle Dowell-Vest, Sr. VP of Production of The Closing AUTHORITY Team
As a longtime Houston resident with over 20 years in mortgage lending and a decade leading nonprofit finance teams, I know what it takes to turn financial goals into real results. I take a people-first approach to every loan—helping families buy, refinance, or invest in ways that build lasting wealth and stability.
Real answers, consistent communication, demystifying the process into plain language, and advocating for my clients are how I’ve built success and lasting relationships. I take the mystery out of the home loan process so you can make informed, confident decisions as I walk with you every step of the way.
Financing a home is a big step
I’ll guide you through every part of it
Do you need cash for any reason?
Pay off Debt, Home Improvements, Investments, Any Reason?
Additional Information
HomeFirst Mortgage, NMLS #310447, is a licensed mortgage bank that originates, underwrites, and funds both conventional and government-insured loans. HomeFirst Mortgage is not a federally chartered bank or trust company, or depository institution. It is not authorized to accept deposits or trust accounts and is not licensed or regulated by any state or federal banking authority. HomeFirst Mortgage holds various state licenses as a mortgage lender in California, Colorado, Florida, Texas, and Oregon. California: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. DFPI License # 41DBO-46410. Click here to view our current licensing information as listed on NMLS® Consumer Access.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. REFER TO H1mb.com.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILLED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV .
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