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Michelle Shelton

Top Rated® Mortgage Banker

FNMA HOMESTYLE SPECIALIST | VETERAN LENDING SPECIALIST | FHA 203K SPECIALIST | VA RENOVATION SPECIALIST | NEW CONSTRUCTION LOAN SPECIALIST | CONSTRUCTION LOAN SPECIALIST

NMLS ID# 934462

With over 30 years of sales experience and more than a decade dedicated to mortgage finance, Michelle Shelton brings both seasoned insight and unwavering commitment to her role as a trusted mortgage advisor. As part of the Construction, Renovation, and Purchase Division at BuildBuyRefi.com, Michelle collaborates closely with families, first-time buyers, and builders to deliver customized mortgage solutions that bring dreams to life.

Michelle began her mortgage career in 2012 and has since held leadership roles, including VP of Mortgage Originator and Branch Manager, which has given her a unique understanding of both the client experience and the operational efficiency behind every successful loan. Her background in real estate and construction lending enables her to simplify complex financing scenarios, ensuring her clients feel confident and informed throughout the process, from pre-approval to closing.

Whether navigating a first-time purchase, financing a custom home build, or restructuring a portfolio to support long-term goals, Michelle’s mission remains the same: build meaningful relationships and deliver unmatched support throughout the home financing journey.

A proud native of Middle Tennessee, Michelle still calls the region home, where she enjoys life with her husband of 32 years and their daughter. When she’s not serving clients, you’ll find her enjoying the outdoors—working on the family farm, relaxing by the lake, or traveling in the RV for a weekend camping adventure.

Schedule A Strategy Or Follow-Up Call With Michelle Shelton

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Best Manufactured Home Lender By Investopedia House Icon and Map Of US icon representing loans in 50 states. Better Business Bureau A+ rating logo and Top Mortgage Workplaces by Mortgage Professionals Association Best Overall Construction Lender and Best VA Construction Lender Icons as Rated by Investopedia
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THE FEDERAL SAVINGS BANK IS NOT AFFILIATED WITH OR ACTING ON BEHALF OF THE FHA, USDA, VA, OR THE FEDERAL GOVERNMENT.

*Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.

*Messaging and Data Rates May Apply.

*VA eligibility is required for VA loan products. USDA loans are only available in USDA-eligible areas as designated by the USDA.

*We do not offer new dealer-manufactured home loans in New York, but we do offer modular and site-built land and home construction.

*Qualification for up to $50,000 extra is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan we will underwrite in-house at the same time as your requested mortgage loan. Please contact your banker to request this program and the applicable rates, terms, and conditions. Consumer unsecured lending programs prohibit loan proceeds from being used for down payment.

REALTOR® is a registered trademark of the National Association of Realtors and is not affiliated with NationwideHomeLoansGroup.com or The Federal Savings Bank.

†Subject to applicable law and lender approval, when represented by one of our participating real estate brokerage companies during the purchase or sale of a home or land, eligible Consumers may receive a rebate of up to thirty percent (30%) off of the fee to be received by the participating real estate brokerage company representing the respective Consumer, at closing, which rebate will be applied exclusively toward paying down that Consumer’s applicable closing costs. In no event shall any rebate be greater than the aggregate of all closing costs. Issuance of a rebate is subject to a participating real estate brokerage company’s receipt of its fee. The following states condition, or do not permit, the granting of a rebate by real estate brokerage companies (list is subject to change at any time): Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, New Jersey, Oklahoma, Oregon, and Tennessee. No remuneration is paid to The Federal Savings Bank or to any of our Bankers. This is a free program we offer exclusively to help our consumers save on their real estate transactions.

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