As a Senior Loan Officer at Embrace Home Loans, Michelle Dennard is a trusted mortgage lender and home loan expert in Titusville, Florida, proudly serving homebuyers and homeowners across Florida’s Space Coast — Brevard County communities including Mims, Merritt Island, Cocoa Beach, Rockledge, Melbourne, Palm Bay, Viera, along with Volusia County communities of New Smyrna Beach, Edgewater, Oak Hill, Ormond Beach, Port Orange and Daytona Beach. Known for her caring and dependable approach, she helps clients turn complex financing into a clear and positive experience.

With years of experience guiding families through VA loans, first-time homebuyer programs, new construction financing, and helping clients build their rental property portfolio, Michelle is dedicated to simplifying every step of the mortgage process. She takes pride in helping veterans and active-duty service members maximize their VA benefits, while ensuring all clients feel informed and supported through every milestone of their homeownership journey.

Leveraging her background in construction lending, she partners closely with local builders to coordinate end loan financing for new construction homes, aligning closing timelines seamlessly with home completion. Her process emphasizes proactive communication, clear expectations, and follow-through — helping both builders and borrowers stay on track with peace of mind.

Before joining Embrace, Michelle built a strong foundation in the mortgage industry at Cross Country Mortgage, where she served as an Outside Loan Originator. Her decision to join Embrace was inspired by the company’s collaborative culture, industry-leading products, and shared commitment to serving clients and referral partners with integrity, clarity, and genuine care.

A proud Florida mortgage professional, Michelle calls Titusville home, where she lives with her husband, James, a United States Marine Corps veteran, and her daughter Gracie and her bonus daughter, Ivey. Michelle is the proud mom of seven children: Cody, Paul, Brianna, Joshua, James, Gracie, and Ivey. Their family also includes two beloved dogs, Bubba and Dolly. Deeply rooted in faith and community, she volunteers with Local Church in Mims in the children’s ministry, where her son, Paul Ballington serves as the Lead Pastor. Michelle also supports K9s for Warriors, an organization dedicated to helping veterans through service dogs.

Outside of work, Michelle enjoys home remodeling projects, painting, weight training, long walks, and time outdoors with her family. Her idea of a perfect day is spent at New Smyrna Beach, soaking up the Florida sunshine, swimming, and ending the day with a family dinner and bonfire.

Whether you’re a first-time buyer, a veteran ready to use your VA benefits, or a homeowner exploring construction or refinance options, Michelle is ready to help you navigate your journey with confidence.

Ready to buy, build, or refinance your home? Contact Michelle Dennard today to connect with a trusted Titusville mortgage lender — your dedicated home loan expert serving the Space Coast, Brevard County, and communities throughout Central Florida. Discover how simple and rewarding your home financing experience can be with Embrace Home Loans.