About Michelle Gemmell
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.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity, LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity, LLC. Guaranteed Rate Affinity, LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 122 Hawthorne Ln, Suite 2 St Mary's GA, 31558