About Me

Michelle Baham
Loan Officer

 

About Me

My introduction to the mortgage lending industry came during one of the most challenging times for our nation’s economy and housing market. In 1986, unemployment was high, jobs were scarce and I was an inexperienced newcomer. But I took to the business because I knew I could make a positive impact in people’s lives by helping them become homeowners. After more than three decades, I still love assisting borrowers with their financing needs, whether they are first-time homebuyers, looking to upsize or want to put themselves in a better financial position through refinancing.

I joined MIG’s Cool Springs/Franklin branch in March 2020 as a senior loan officer, bringing a solid understanding of the products and programs available to borrowers to best suit their needs. I have experience in the wholesale and retail aspects of the industry, as well as sales and operations. As a licensed mortgage loan originator, I prioritize listening to my clients’ goals and then following through on meeting their needs.

When I’m not offering customers exemplary service and communication throughout the loan process, I enjoy spending time outdoors, camping and kayaking. I’m also a New Orleans transplant who loves cooking and spoiling my beautiful grandbabies. I look forward to assisting you with your current or future mortgage loan needs. I hope to hear from you soon.

Contact Us Today

Mortgage Investors Group, based in Tennessee, offers residential financing in a number of states in the southeast, See MIG Service Areas. Terms and conditions to apply to home financing. We want to share with you the loan terms vary based on several characteristics and your financial profile. These include but are not limited to loan program, loan purpose, occupancy, credit history, credit score, assets, and other criteria per loan type. The repayment terms and interest rate may vary from time to time. The terms represented here are based on certain assumptions outlined below and/or noted on the loan outline page. Additional details concerning privacy, program disclosures, licensing specifics may be found at migonline.com Legal Information.

MIG Loan Officers will help gather the information needed for an individual assessment to provide home financing which matches the loan characteristics with your home financing needs based on your financial profile, when you are ready to begin a full loan application. For estimates and general information before that step, the basis for which the mortgage financing information are as follows:
  • Rates are subject to change at any time.
  • Rate locks are available at current terms for 30 to 180 days based on program type, credit profile, property location, etc. which will affect the available rate and term.
  • Payments will vary based on program selection, current rates, property location, etc.
  • Not all programs are available in all states.
  • Some loan programs may not be available to first time home buyers.
  • Terms and conditions apply, which may include restrictions or limits per loan program.
  • Information is generally based on primary residence occupancy with no cash out when refinancing.
  • Unless otherwise stated, terms shown are estimates based in part on credit score of 700 or higher; owner occupancy, escrow account is established for taxes and insurance(s); debt-to-income ratio no higher than 43.0%; PMI applies to conventional loan programs over 80.0% LTV; VA,FHA & RD require insuring fees included in loan and/or payment; fixed rate, 30 year term.

An MIG Loan Officer is available to help with your financial details to determine which characteristics apply to your situation for a personalized look into which loan program best fits your home financing needs. Please use the Find a Loan Officer link or reach out to Mortgage Investors Group at 800-489-8910. Equal Housing Lender 1.2020