Buying a home should feel exciting—not overwhelming. Whether you're a first-time homebuyer, veteran, investor, self-employed borrower, or foreign national, I'm here to make the mortgage process clear, simple, and stress-free.


I'm Michelle Gemmell, a mortgage loan officer based in St. Marys, proudly serving clients throughout Camden County, Brevard County, Palm Beach County, and Broward County. For more than six years, I've helped hundreds of families navigate the home financing process with clarity, confidence, and personalized guidance every step of the way.


I specialize in creating tailored loan solutions for clients with unique financial situations. Whether you're purchasing your first home, refinancing your current property, or exploring loan options such as VA, Conventional, FHA, or Non-QM financing, I'll help you understand your options and choose the strategy that best fits your goals.


What sets me apart?  
- A hands-on, personal approach  
- I believe communication matters. My clients know they can count on me to be available, responsive, and present throughout the process.  
- Creative solutions for unique situations. Every buyer's financial story is different, and I'm committed to finding the right solution for your specific needs.  
- A relationship-first mindset. Buying a home is often one of the biggest financial decisions you'll ever make—and it deserves care, attention, and expertise.  
- Making the process feel simple. My goal is to remove confusion, reduce stress, and help you sleep better at night knowing you have someone in your corner.


Over the years, I've helped clients secure financing for homes across a wide range of price points and property types throughout Georgia and Florida.


I'm honored to be recognized as a Top 1% Loan Originator, Camden Charlton County Association of Realtors Affiliate of the Year, recipient of the Community Service Award, and the Camden Charlton Association of Realtors President's Award.


Beyond mortgages, I'm passionate about giving back to the community I serve. I'm actively involved with organizations including the Camden County Chamber of Commerce, Navy League of the United States, Camden/Charlton County Association of Realtors, RPAC, community service initiatives, and Toys for Tots fundraising efforts.


At the heart of everything I do is one simple belief: this business is built on relationships. My goal is to be a trusted resource for my clients long after closing day.  
If you're thinking about buying, refinancing, or simply exploring your options, I'd love to help you take the next step with confidence.

Associate VP of Mortgage Lending

Michelle Gemmell is your St Marys local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Michelle is committed to helping homeowners with home purchase loans and refinances. Contact Michelle at (954) 331-8819 for more information!

Michelle Gemmell at Guaranteed Rate Affinity (NMLS #1957379)

St Marys

<footer class="footer-container">
          <div class="divider"></div>
          <div class="social-container">
            <a href="/">
              <img
                src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte2241c03634be37c/646befbd46d4d8ed366be4c2/GRA_Logo.svg"
                alt="Logo for Guaranteed Rate Affinity, a Guaranteed Rate Company"
                width="167"
                height="55"
              />
            </a>
            <div class="social-links">
<a href="https://www.youtube.com/channel/UCA8EFopvnDAtQuGMnD8R5AA"><i data-testid="font-icon" class="rc-font-icon font-icons-social-youtube " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.linkedin.com/company/guaranteedrateaffinity"><i data-testid="font-icon" class="rc-font-icon font-icons-social-linkedin " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.facebook.com/GuaranteedRateAffinity"><i data-testid="font-icon" class="rc-font-icon font-icons-social-facebook " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.zillow.com/lender-profile/GuaranteedRateAffinity/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-zillow " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
</div>
          </div>
          <div class="links-container">
            <div class="column">
              <a href="https://www.grarate.com/termsofuse" data-ya-track="link#">Terms of Use</a>
              <a href="https://www.grarate.com/privacy" data-ya-track="link#">Privacy Policies</a>
              <a href="https://www.grarate.com/accessibility" data-ya-track="link#">Accessibility</a>
              <a href="https://www.grarate.com/sms-terms" data-ya-track="link#">SMS Terms</a>
              <a href="https://www.grarate.com/licensing" data-ya-track="link#">Licensing Info</a>
            </div>
            <div class="column">
              <a href="https://www.grarate.com/about-us/" data-ya-track="link#">About Us</a>
              <a href="https://careers.grarate.com/" data-ya-track="link#">Careers</a>
              <a href="https://www.grarate.com/contact-us" data-ya-track="link#">Contact Us</a>
              <a href="https://www.grarate.com/articles" data-ya-track="link#">Knowledge Center</a>
              <a href="https://www.grarate.com/legal" data-ya-track="link#">Legal</a>
            </div>
            <div class="column">
              <a href="https://www.grarate.com/disclaimer" data-ya-track="link#">Disclaimer</a>
              <a href="https://www.anywhereinsurance.re/" data-ya-track="link#">Anywhere Insurance Agency</a>
              <a href="https://www.anywhereis.re/" data-ya-track="link#">Anywhere Integrated Services</a>
              <a href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1598647" data-ya-track="link#">NMLS Consumer Access</a>
              <a href="https://www.grarate.com/texas-consumers-how-to-file-complaint" data-ya-track="link#">Texas Consumers: How to File a Complaint</a>
              <a href="https://www.grarate.com/notice-to-vendor" data-ya-track="link#">Notice to Vendors</a>
              <a class="privacy-link" target="_blank" href="https://privacyportal-cdn.onetrust.com/dsarwebform/168096e5-faa8-4fdd-a479-992231adbdc1/70bd9394-cadd-46fa-8eaf-11c1f5523029.html" rel="noopener noreferrer" data-ya-track="link#">Do Not Sell My Personal Information</a>
            </div>
          </div>
          <div class="copyright-container">
            <img
              src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blt2c78064cb4e93643/647a74c86be35f2593bd207d/equalHousingLender.svg"
              alt="Equal Housing Lender"
              width="136"
              height="29"
            />
            <p>Copyright © 2017-2026 Guaranteed Rate Affinity, LLC. All rights reserved Guaranteed Rate Affinity</p>
            <p>NMLS: 1598647 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />Arizona Mortgage Banker License #0941440</p>
            <p>1800 W. Larchmont Ave. Suite 400, Chicago, IL 60613- <a href="tel:+18888449888">(888) 844-9888</a><br />Operating in the state of New York as GR Affinity, LLC in lieu of the legal name Guaranteed Rate Affinity, LLC.</p>
            <p>Guaranteed Rate Affinity, LLC. is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law.</p>
          </div>
        </footer>

1 Loan Officer St Marys, GA