Michelle Robinson

Mortgage Sales Manager


1200 West County Rd. E
Suite 200
Arden Hills, MN 55112


Meet Michelle

A graduate of Mankato State University with a degree in finance, Michelle Robinson found her passion in mortgage lending. Having been in the mortgage industry for over 22 years, holding positions ranging from receptionist to office manager and everything in between, you can be assured that Michelle knows the mortgage process and what it takes to get your loan closed. Educating her clients from the start and gathering all information to make sure they understand the mortgage process is the key to her success. Michelle believes in a true pre-approval for her clients and making sure they are informed of the steps required to make the mortgage process run smoothly. As a Top Producing Minnesota Housing Lender in previous years, Michelle is focused in helping first-time homebuyers achieve their dream of home ownership. With her knowledge of ever-changing underwriting guidelines and the overall mortgage process, you can be confident that you are in great hands trusting Michelle with financing your new home.

Roberto & Alicia D.
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"Michelle Robinson is the best! Very friendly. I appreciate her knowledge and experience. Excellent communication skills and willingness to get the information that we needed."
Shawn & Carmen M.
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"Michelle - hands down – made our homebuying process as painless as possible. She is so incredibly knowledgeable and personable. Lake Area Mortgage is very lucky to have her on their team. I have already (and will continue to) recommend her to others! A+!"
Nicholas D.
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"Michelle was amazing to work with. She explained everything and was quick to respond. Working with Michelle made this experience easy and stress free."
Anne L.
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"Michelle provided outstanding service. She was available every time I needed loan calculations prior to making an offer. Her expertise and strong communication helped me understand each step in the lending process. She gained my trust in her and Lake Area Mortgage! I would definitely seek Michelle for future home loan needs. Thank you! Michelle is #1!"
Mark & Sara E.
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"Michelle was wondering and real delight to work with. She was thoughtful, helpful and fun – making the experience a joy. She took time to explain information when we had questions and always was interested in making sure we were all set. Great experience overall. Michelle and her team were super. We really appreciate the Lake Area Mortgage staff. Thank you!"


Homebuying Solutions

For first-time homebuyers, move-up buyers, second home purchases, and investment properties. Lake Area Mortgage is dedicated to making the entire process smooth and simple.


Building Your Dream Home?

Lake Area Mortgage makes financing easy with our Single-Close Construction Loan – one loan, one set of closing costs.


Thinking About Refinancing Your Mortgage?

We’re here to help you take the next step. Lake Area Mortgage can help you determine whether refinancing is right for you.


Don’t Move. Improve!

The Lake Area Mortgage Renovation Loan provides a simple and convenient way for borrowers to finance home improvements and renovations.

Mortgage Calculators To Help Plan Your Home Purchase

Our Easy Loan Process

Let’s Talk About You

Set up a meeting with your mortgage loan officer to discuss your home financing needs, goals, and current fiscal situation. Be prepared to provide information on your current income, assets, and liabilities. You’ll also need to agree to a review of your credit report. We’ll use this information to provide a pre-qualification for a loan, including the loan amount that you qualify for.

Shopping for a home with pre-qualification is shopping with confidence!

Apply Online

Your loan officer will provide you with a more detailed list of required documents for your official loan application. The documents required to approve and underwrite your loan can vary depending on program, credit score, and job type.

During this step, you’ll also be looking to make an offer on your new home.

Let Us Do The Work

Once your offer to purchase a home has been accepted, your loan officer and their team will begin processing your file for underwriting. During this time, we may request additional items that we need to approve your loan.

Generally, your rate will be locked at this time and an appraisal will be ordered.

Underwriting Process

Our in-house underwriting team will review the file to issue a loan decision. Your approval may require you to submit additional items. Once these extra items are submitted, we’ll be able to obtain final approval in 24 to 48 hours and your loan will be clear to close!

After your loan is clear to close, you will be notified of the exact amount of money you will need to bring to closing.

Clear to Close

Once you sign the final loan documents, the transaction will be completed and closed.

If your loan was a purchase, you’re a new homeowner! Your real estate professional will have your house keys at closing or schedule a time to deliver them.

If your loan was a refinance, enjoy the benefits of your new loan!

Our History

Lake Area Mortgage is proud to have been a top local lender with a reputation for providing expert mortgage loan services since 2007. Lake Area Mortgage is a division of Royal Credit Union, meaning that by obtaining a Lake Area Mortgage loan you also become a Member of Royal Credit Union. During the loan process, you’ll open a Royal Credit Union savings account as your share in the credit union and gain access to all the accounts, loans, and services that Royal Credit Union offers.

Our #1 Priority is your Satisfaction

All stages of the loan process are handled here, at Lake Area Mortgage. You’ll appreciate our experienced staff, in-house processing, underwriting and closing department to help ensure the loan process goes smoothly.

We pride ourselves on having award-winning loan officers who are dedicated to helping customers land their dream homes. Our local market knowledge can be key during your homebuying process.

Michelle Robinson

Mortgage Loan Officer | NMLS#695815