Michelle Moats, NMLS 344491 - Mortgage Investors Group, Loan Officer

Michelle Moats, NMLS 344491 - Mortgage Investors Group, Loan Officer Here to help you with any of your home loan needs! Equal Housing Opportunity Opportunity. MIG NMLS #34391. www.nmlsconsumeraccess.org Our family is very close.

I began my career in finance right after high school and spent my first eight years working with all types of loans. In 1996, I decided to focus exclusively on mortgages—and I’ve been committed to that path ever since. With decades of experience, I truly enjoy serving every kind of buyer, whether it's a first-time homeowner, someone upgrading or downsizing, or a current homeowner looking to make i

mprovements, consolidate debt, or simply lower their payment. One of my greatest joys is seeing clients reach the closing table and knowing I played a part in helping them achieve that milestone. Clear and consistent communication is one of my strongest skills. I connect just as well with a first-time homebuyer as I do with someone purchasing their third or fourth home. I make it a priority to keep borrowers, realtors, and everyone involved in the transaction informed from start to finish. I’m also known for my ability to navigate unique or unusual circumstances and structure solutions that help clients move forward. Although much of my business tends to be FHA and conventional loans, I am experienced with USDA and VA loans as well and enjoy working with all loan types. No matter the situation, my goal is to guide clients through the process with honesty, accessibility, and care. Even when I’m not directly handling processing tasks, I stay engaged so my clients always know what’s happening and never feel left in the dark. I’ve lived in Cleveland for most of my life and love watching the community grow. I’m deeply connected through my church, local schools, and professional relationships. Cleveland is the perfect size—not too big, not too small—and the mountain scenery that surrounds it is something I truly appreciate. Outside of work, I’m a dedicated family person. I have four sons—three of whom are grown and married—and four wonderful grandchildren. I’m also involved on the worship team at my church and enjoy music, something that runs through my whole family. NMLS #344491, GA -GA10, TN -TN10, KY

If saving for a home has felt overwhelming, THDA programs may help make the process feel more manageable for Tennesseean...
06/18/2026

If saving for a home has felt overwhelming, THDA programs may help make the process feel more manageable for Tennesseeans.

I can walk you through it. Just send me a message. https://bit.ly/4twomSE

Late spring is one of the busiest moving seasons of the year. Booking movers early and planning ahead can save you a maj...
06/15/2026

Late spring is one of the busiest moving seasons of the year. Booking movers early and planning ahead can save you a major headache later.

Learn more on my blog:
https://bit.ly/4djQTF4

Homeownership might be closer than you think! USDA loans are designed to help make buying more accessible for eligible b...
06/11/2026

Homeownership might be closer than you think! USDA loans are designed to help make buying more accessible for eligible buyers.

Let’s connect and go over the details. https://bit.ly/4twomSE

If someone pressures you to send money quickly during the homebuying process, slow down and verify everything first. Tha...
06/08/2026

If someone pressures you to send money quickly during the homebuying process, slow down and verify everything first. That extra step can protect you from scammers.
See the full list of homeowner scams on my blog:
https://bit.ly/3P3Pt9L

Closing costs are the fees and prepaid expenses due when you finalize your home loan.They may cover things like lender f...
06/05/2026

Closing costs are the fees and prepaid expenses due when you finalize your home loan.

They may cover things like lender fees, appraisal, title services, credit report fees, recording fees, escrow setup, homeowners insurance and prepaid taxes.

Every loan is different, so it’s important to review these costs early and know what to expect before closing.

Questions about closing costs? I’m happy to help. https://bit.ly/4twomSE

Many buyers are thrilled to learn they may qualify for a conventional loan sooner than they expected.Reach out, and let’...
06/04/2026

Many buyers are thrilled to learn they may qualify for a conventional loan sooner than they expected.

Reach out, and let’s explore your options together. https://bit.ly/4twomSE

An Exciting Update is Coming July 1st!
06/02/2026

An Exciting Update is Coming July 1st!

One of the smartest things first-time buyers can do is set a monthly payment that feels comfortable, not stretched.See t...
06/01/2026

One of the smartest things first-time buyers can do is set a monthly payment that feels comfortable, not stretched.

See the full breakdown on my blog:
https://bit.ly/4wnxTOR

Lower your payment for the first year – on us!Ready to explore your options?  Let’s talk about how a temporary buydown c...
05/29/2026

Lower your payment for the first year – on us!
Ready to explore your options? Let’s talk about how a temporary buydown could help make homeownership more affordable today.

A lot of people think they can’t become a homeowner but the truth is, there are loan programs designed for real-life sit...
05/28/2026

A lot of people think they can’t become a homeowner but the truth is, there are loan programs designed for real-life situations. The biggest mistake is assuming you don’t qualify without ever checking! You don’t need perfect finances – just the right information and a plan. The only way to know for sure is to start the conversation. You might be closer than you think. Let’s explore your options together. www.closewithmichelle.com

Address

1520 Clingan Ridge Drive NW
Cleveland, TN
37312

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