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In today’s market, one of the most effective tools to get more of your buyer's offers accepted is a carefully structured seller concession strategy.

Our next Partner Thursday session, hosted on August 14th at 2pm ET on Microsoft Teams, will show you how to leverage seller concessions to reduce buyer costs, strengthen your offers, and get more deals across the finish line.

During this session, you’ll learn how to:

Use seller concessions to lower your buyer’s upfront costs without lowering your commission

Write stronger offers by negotiating closing costs, prepaid expenses, or even interest rate buydowns

Position seller concessions as a win-win strategy for both buyers and sellers

This session is designed to help you feel more confident when structuring offers and advising your clients in today’s affordability-driven market. Fill out the form to get your calendar invite and join us live!

The Secrets of Seller Concessions

Kayla Nabholz is a mom of two girls who graduated with a finance degree and has 8 years of experience in the finance industry. She is passionate about generational wealth and believes in taking a holistic approach to managing finances. Her expertise and dedication to helping people achieve financial stability make her a great communicator who takes their entire financial well-being into account. Kayla is a reliable and knowledgeable professional who is committed to helping her clients achieve their financial goals and build a better future for themselves and their families.

Loan Originator

Kayla Moore

As your trusted UMortgage Loan Originator, my goal is to simplify the mortgage process to make your home loan experience easy to navigate! Please reach out so I can help start your home financing journey.

Myron Fears

Brennan Pearson

Mortgage lending is more than selling loans. It’s about helping people achieve their homeownership goals. Whether that’s helping them reach a better financial position or connecting them to the home of their dreams, it’s about guiding them to the finish line.

My industry experience has taught me to take the time to understand my customers: What’s their story? How can I help them in their pursuit of a home? When I see my customers as real people with real goals, needs, and dreams, I get to match them with the best loan product and create a truly seamless lending experience.

Everyone has a story to tell. What they need is a Loan Originator who will listen, customize a loan to meet their needs, and guide them every step of the way.

I look forward to working with you!

Ian Blake

My mission is to help as many families as possible achieve their dream of home ownership. I will assist you in choosing the loan options that works best for you and your family. Give me a call today!!

Philip Fasoro

I have a passion for homeownership and especially Veteran and Active Duty Home ownership. I have a vast knowledge of lending in general and will always find the absolute best option for my clients

National Sales Leader

Jimmy Hobson

Matt Gouge

Branch Manager

Adam West

Andrew Meister is an Atlanta-based loan officer at UMortgage, specializing in a wide range of mortgage options, including conventional, FHA, VA, USDA, and various non-QM products. His expertise can guide you through the homebuying process, helping you find the right loan fit for your needs. With years of experience and a can-do attitude, you couldn't be in better hands.

Andrew Meister

Operations Manager/Loan Officer

Angela Valdez

Beau Chase

Brett Hansen

I'm David Hanosh, a Marine turned mortgage broker, bringing discipline, integrity, and a strong work ethic to the world of real estate financing. With a deep understanding of the industry and a genuine desire to help clients achieve their homeownership dreams, I am dedicated to providing top-notch service and tailored solutions for every individual's financial needs.

David Hanosh

David P. Koch, a seasoned professional in the mortgage industry, brings over 7 years of experience to the table. As a Certified Mortgage Advisor™ (CMA), he crafts tailored mortgage solutions for each buyer’s unique needs. As a Certified Veteran Mortgage Advisor™ (VMA), David is a passionate advocate for veteran homeownership in Illinois and the Midwest. He serves as the 2025-2026 Chairperson for the Young Professionals Network at Mainstreet Organization of REALTORS®, the 8th largest local REALTOR® association in the country, and was awarded the 2025 Affiliate of the Year. 

David, an Illinois State University graduate, resides in Winfield, IL with his wife Allison, son Calvin, and their spirited jack Russell terrier-yorkie mix, Posey.

David Koch

James Hanus

Jerad Brereton

As the Branch Manager and Senior Loan Officer with UMortgage, I pride myself on exceeding my customer's expectations at every stage of the process, from a complimentary pre-qualification through an on-time closing. I have access to some of the best loan programs in the country as well as an experienced support team beside me that is focused solely on making your home financing experience a pleasant one.

Kahren Oxner

I love helping families build a secure legacy through home ownership. I do all loan types, but my specialty is the VA loan product. I am a Veteran Mortgage Advisor and continuously train and do education for realtors and homeowners. Communication is top priority. I believe when all parties work together, we create a win-win situation and get to closing quickly and smoothly.

When not doing loans, I enjoy hanging out with my family, watching movies, playing the violin, bike riding, and rafting. 

As your trusted UMortgage Loan Originator, my goal is to simplify the mortgage process to make your home loan experience easy to navigate! Please reach out so I can help start your home financing journey.

Kristi Gibb

Husband, Father of 4 children. Branch Manager of the #1 team in production at UMortgage. We close 500 million + per year in loan origination. Experienced Loan Officer with a demonstrated history of working in the financial services industry at a high producing level. Skilled in conventional loans, U.S. FHA Financing, U.S. VA Loans, Home Equity Loans, Refinances, and Networking. Strong business development professional with great leadership skills and a determination to get better every day. My vision is to give you the best loan experience that is easier, faster, and simple. If you’re a loan officer, I’m determined to help you level up in your career!

Kyle Koller

Sam Fulton

Vice President of Product Strategy

Sean Grapevine

Tara Brame

Todd's 30-year professional career has been built on a foundation of providing the best service, excellent communication, and hard work. Whether you're a first-time homebuyer or more experienced buyer you will appreciate Todd's ability to guide you through the process all the while making what can be an overwhelming experience seem relatively easy and stress free.

At UMortgage | PNW, Todd is able to leverage the experience of some of the best leaders in the Mortgage industry. He's got a wide array of tools at his disposal to help advise and educate clients on the multiple factors to consider when acquiring a home loan. He specializes in VA, FHA USDA, Conventional and Jumbo loans. His great work ethic, excellent communication and never-ending desire to exceed his client's expectations, have earned trust, and built thriving personal and professional relationships throughout his career.

When Todd is not busy pursuing his client's goals, he enjoys spending quality time with his lovely wife and their 3 adorable kids. The Davidson’s enjoy traveling, playing sports and just being in the great outdoors. With Todd as your Mortgage Loan Officer, you’ll enjoy being served by a knowledgeable, passionate, and trustworthy professional who can confidently handle a wide array of financing needs with expertise. Schedule a meeting with Todd and be assured he won’t rest until your homeownership dreams become a reality.

Todd Davidson

After graduating from the University of Georgia in 2011, I worked in everything from college athletics to craft beer sales over 8 years. It was only in 2019 when I found my niche in the mortgage universe and never looked back. I live in the suburbs northwest of Atlanta with my wife, Chelsea, our cat, Simon, dog, Sophie, and blue betta fish, Stetson.

Loan Processor

Andy Wesche

Tyler Carlston

Gustavo Andrade

I’m a wife, mother and bonus grandma. I love living in Utah. Hiking, fishing, camping and reading are my favorite things to do. I have a deep love of helping people and a huge supporter of the American Dream so naturally I help people buy homes. I’m always looking for people who want to get in debt to build wealth through homeownership.

Ruby Hales

I am very passionate about providing the best customer service whether my clients are purchasing a home or refinancing. We strive for total satisfaction with the process from start to finish. Communication is the key source to having a successful transaction. Any type of Mortgage Loan needed, we take the time to focus on their needs and priorities of the customer!

Ben Bell

Audie Simon

Justin Ruiz

Hello! I'm Phil, a dedicated Loan Officer with a degree in Finance from Eastern Michigan University. With a solid educational foundation and two years of experience in the mortgage industry, I possess in-depth knowledge of lending practices and a keen understanding of financial markets.

As a Loan Officer, my goal is to help individuals and businesses achieve their financial objectives by providing tailored lending solutions. I specialize in purchase and refinance home loans and take pride in guiding my clients through the loan process with transparency, professionalism, and personalized attention.

In addition to my work as a Loan Officer, I have a strong passion for content creation and making videos on finance and investing. Through my YouTube channel and social media platforms, I strive to educate and empower others with valuable insights on managing personal finances, understanding investment strategies, and making informed financial decisions.

I enjoy translating complex financial concepts into engaging and accessible content that resonates with a broad audience. By leveraging my expertise and creative storytelling abilities, I aim to simplify financial topics, helping individuals build their financial literacy and make confident financial choices.

Beyond my professional pursuits, I am an avid learner, constantly staying updated on the latest industry trends and regulatory changes. I believe in the power of continuous growth and actively seek opportunities to expand my knowledge and skills in the ever-evolving world of finance.

If you're interested in exploring financial topics, seeking loan solutions, or collaborating on content creation projects, I invite you to connect with me. Let's share our passion for finance and work together to achieve financial success!

Phillip Edmonds

Evan Cardenas

I specialize in providing creative mortgage solutions for business owners and self-employed borrowers who typically can't qualify their income with traditional methods. As a Broker, licensed in 10 states, I also offer all traditional FHA, Conventional, VA, and USDA loans.  Choose an experienced Broker who understands the many nuances that can derail your Jumbo, Investor, and Bank Statement Loans.

Dale Corley

As a dedicated Mortgage Broker, my top priority is providing exceptional customer service with access to low wholesale rates and fast turnaround times to get you to the closing table quickly. The process begins with a personalized consultation to identify the best loan options from our extensive network of lenders, tailored to meet your unique needs. I believe that if you are committed to achieving your goals, then so am I! With 20 years of experience in banking, personal finance, credit, and lending, I am here to offer you the guidance and support needed to turn your home and financial dreams into reality. I look forward to helping you with your next home purchase or mortgage refinance!

Chad Masters

Eric Rosberg

Brett Roesch

Liz LeFore

My mission is to ensure you live in a beautiful home that is a fantastic financial investment for you.

That means matching you with the right mortgage where you are comfortable with the monthly payments and the cash to close.

I promise you a great mortgage product and an even better experience from the beginning to end!

Sam Abazari

Mike Kofahl

Brian began his mortgage career as a mortgage loan officer in 1991 straight out of college. He worked for two large national mortgage banking companies and a large mortgage brokerage before co-founding and serving as President of Antigua Capital Funding from 1999 to 2010. Brian worked for four different mortgage banking companies from 2012 to 2022. Then in 2022, Brian decided that it was time to get back to his roots in the mortgage broker channel and being able to offer more options and the best rates and fees in the industry to help our clients manage their debt and build wealth for their future. To do that, we started Give Mortgage powered by UMortgage. With Give Mortgage we can help people by giving them the best rates, giving them great advice, and we give back to great charities as part of the Give Network (to be launched soon).

As a veteran loan officer, Brian has committed himself to listening to his clients and providing them with the financing solution that best serves their needs. By educating his clients on the process and setting the proper expectations, Brian's clients are never subjected to those horror story surprises that so many people have unfortunately had in past with other mortgage companies. Always putting his clients' needs and best interests first is Brian's top priority and what has made his business nearly 100% referral based for the last two plus decades.

The only thing that comes ahead of Brian's clients is his family. Brian's son, Evan, has been working with Brian since 2014 and is a Loan Officer on The Cardenas Team. Brian has been married to his wife Dina since 1992 and is a devoted father to his son Evan and daughter Cassandra. Brian's family lives in Cave Creek and enjoys movies, dinners out, the beach, golfing, and going to Suns, Cardinals, and Diamondback games.

Brian also supports St. Vincent de Paul the Make a Wish Foundation.

Brian Cardenas

I am The Mortgage Dad. I am a father of 4 with 21 years in this business. I treat every customer or realtor partner as if they were family. Thus The Mortgage Dad.

Richard Lagrou

Daniel Lourenco

As a mortgage broker, my top priority is providing exceptional customer service and support to my clients!

I am dedicated to my clients by always answering the phone and being available to assist through every step of the mortgage process. With years of experience in the industry, I have the knowledge and expertise to help you navigate the mortgage process and find the best loan options to suit you and your family's needs! 

I stay up to date on industry changes and take pride in my ability to solve problems and find creative solutions for my clients, making the mortgage process as smooth and stress-free as possible. 

Whether you are looking for your first home, your forever home, or anything in between, I would love to help make your dreams a reality!

Tim Holmgren

Husband, Father to 2 boys, Golfer, Penn State, Steelers and Devils fan. Loving the Florida lifestyle and living in Orlando!

James Paciello

A Mortgage Team with years of experience here to help you find the best loan program for your exact situation! Give us a call to learn more!

Daniel Ortiz

As one of the top Loan Originators in Pennsylvania, my goal is to simplify the mortgage process, making your home loan experience easy and stress-free! I'm here to educate you on the home buying process and provide expert guidance. Reach out today to start your home financing journey.

Ian Twaddle

I live in the Huntsville, Alabama area. I work with buyers and homeowners in all of Alabama, Tennessee, and North Carolina. (More to come) I started in the Mortgage industry in July of 2001 (It's been an amazing career!) I make it a priority to keep up with trending data in order to help all my home buying and refinancing clients.  My first priority is to provide timely and precise information on home buying options as well as performing refinance reviews with the goal of giving everyone the important information and data needed to make the best decision for them. I focus on VA, Conventional, USDA, and FHA but I have experience and history construction, HELOCs, reduced documentation, and many other financing options.

Dominic Garver

Thomas Costanza

Loan Analyst

Joseph Cefali

Specialty Loan Processor

Morgan Fleet

As a Branch Manager & Loan Expert with over 25 years of experience in mortgage lending, I take pride in providing the best service and information. I know the industry better, so you can GET MORTGAGE WISE I work with clients from various backgrounds, financial statuses, and credit scores. Together, we find their tailored solution every time! Let me find your mortgage solution next, with a great rate and a fast close! My team has direct access to the nation's largest lenders and private fund, offering FHA, VA, Conventional, Jumbo, and Private Equity Portfolio to personally tailor YOUR home loan solution! I am excited to put my extensive knowledge to work for you, so you can GET MORTGAGE WISE.

Lisa Shaull

Choosing a mortgage professional to work with and even going through the mortgage process in general can feel overwhelming and daunting for many people. Experience Matters, and not just in how much experience the professional you choose has.

YOUR overall experience, understanding and comfort with the process is, and always will be, my top priority. As a professional with over a decade of experience I bring my expertise to assist you with your mortgage options. Equally important to me is providing you with superior service, knowledge and options.

Whether this is a first time purchase, move up home, vacation home or even an investment purchase I am here to help. My team and I are here to make your experience as smooth and simple as possible. My goal in the process together is to become “Your Lender Jen” for life and your friend in the mortgage business.

I look forward to assisting you! Reach out to me today to schedule a call!

Loan Officer Assistant

Jennifer Roller

Troy Fjerkenstad is a respected mortgage broker with over 30 years of experience in the Real Estate industry. He has helped countless clients find the perfect mortgage to meet their financial needs and goals.


One of the key factors that sets Troy apart from other mortgage brokers is his commitment to providing personalized service to each of his clients. He takes the time to get to know each person's unique financial situation, goals, and concerns, and then works closely with them to find the loan that best meets their needs.


Troy understands that navigating the world of mortgages can be complex and overwhelming, especially for first-time homebuyers. That's why he makes a point of being available to answer questions and provide guidance throughout the entire process. His clients appreciate his clear and open communication style, as well as his ability to break down complicated concepts into easy-to-understand terms.


Over the course of his career, Troy has gained an in-depth knowledge of the mortgage market and the various loan products that are available. He stays up-to-date on the latest industry trends and regulations, and uses this knowledge to help his clients make informed decisions about their mortgages. Whether a client is looking for a traditional fixed-rate loan, an adjustable rate mortgage, or a specialized loan product, Troy has the expertise to help them find the right option for their unique situation.


In addition to his experience and expertise, Troy is also known for his exceptional customer service skills. He understands that buying a home is one of the most significant financial decisions a person will ever make, and he takes that responsibility seriously. He is dedicated to making the process as smooth and stress-free as possible for his clients, and goes above and beyond to ensure their satisfaction.


Troy's commitment to excellence has earned him a loyal following of clients who trust him to handle their mortgage needs. Many of his clients are repeat customers, and he also receives numerous referrals from satisfied clients. He is proud to have built a reputation as a mortgage broker who is honest, reliable, and dedicated to his clients' success.


Whether you're a first-time homebuyer, a seasoned investor, or somewhere in between, Troy has the knowledge and expertise to help you find the right mortgage for your needs. He will work with you every step of the way, from the initial consultation to the closing process, to ensure a smooth and successful transaction. Contact Troy today to learn more about how he can help you achieve your real estate goals.

Troy Fjerkenstad

Diana Vitorino

Born and raised in Huntsville, AL, I'm super excited to assist Alabama residents through their journey to homeownership!

Let's connect!!

Senior Loan Coordinator

Chloe Cantrell

"Joe Mortgage"
Not Your "Average Joe" Mortgage Lender

I'm your trusted partner for all your home financing needs. As a seasoned mortgage broker, I specialize in simplifying the often complex process of securing the best mortgage for your dream home. With access to a vast network of lenders and a deep understanding of the ever-changing mortgage landscape, I able to offer you personalized solutions that save you time and money.

Whether you're a first-time homebuyer, looking to refinance, or seeking an investment property loan, I'll work tirelessly to find you the most competitive rates and tailor-made mortgage options. I'll guide you through every step of the process, ensuring that you make well-informed decisions that suit your financial goals.

My mission is to make your homeownership dreams a reality. Let's start this journey together and secure your future with a mortgage that fits your life. Contact me today, and let's discuss how I can help you achieve your homeownership aspirations.

Joseph Reams

After working in business strategy at both General Motors and Qualtrics, Parker decided to leave the corporate world to help people achieve their goals of real estate, whether for their own dream home or an investment opportunity, Parker is an experienced financial guru who is set to help individuals make the best decision with their finances and purchasing a home.

Parker Strong

Producing Branch Manager

Nicolas Robillard

Branch Partner

Tyler Beard

Andy Dowdy

John Baumann

As a Top Tier Mortgage Broker, I have strived for excellence to be one of the best in the industry.  I enjoy what I do, the meeting of different people and the amazing stories that I contribute to in a customer's life.  Whether it is helping a first-time homebuyer achieve the dream of being a homeowner or showing a current homeowner the experience of an easy and well-prepared mortgage process, when their last experience was short of that, or communicating the different ways to strategically set up a homeowner for financial freedom. My passion is shown by always being there for my borrowers, my real estate agents and all partners involved in a transaction. 

I have held roles as a Post closer, Loan Officer, Senior Loan Officer, Sale’s Manager, Top Producing Independent Mortgage Broker and now Branch Manager. My expertise is in all residential mortgages (Conventional, Jumbo, FHA and VA loans) for purchases and refinances. I look forward to earning your business and having an impact in your mortgage needs.

Matt Garcia

I grew up in Michigan, spent ten years in Quebec where I mastered the French language, and had three beautiful daughters, and now am happy to call North Texas my home. As a trusted mortgage loan originator, I am passionate about helping individuals achieve their dreams of becoming homeowners and real estate investors alike. I have the heart of an educator and love to teach clients the best approach to one of the biggest financial decisions of their lives. I take pride in building genuine relationships with clients and other real estate professionals. I look forward to working with you and making your real estate goals a reality.

Hilarie Sullivan

I take pride in providing my clients with impeccable customer service, honesty, and knowledge. I deliver customized loan programs catered to my customers’ individual needs. I leave no stone unturned to find the right loan solutions to fit my customers’ short and long term goals and improve their financial situation.

Danny Andrade

Training and Development Team Leader

Shelly Foster

Andrew Cady, aka “Epic Mortgage Guy”, a Jacksonville, Florida native, has been intimately involved with the local community for 20+ years building his family business in the southeastern United States. In early 2015, Andrew found his passion in the mortgage business, quickly becoming one of the top 1% loan officers in the country. Andrew has now truly mastered his profession, as evidenced by more than 500 five-star reviews, which speak volumes about the quality of service, passion, and communication he has provided not only for his clients, but also for countless associated real estate agents, transaction coordinators, and title agents. Andrew also greatly enjoys quality time with his wife, Krystal, and their four beautiful children: Brandon, Elizabeth, Sophia, and Anna. Spending time at the beach is the most popular family pass time.

Andrew Cady

Derik Lewis

As your Mortgage Advisor licensed in both Florida and New Jersey, I bring a wealth of expertise to the table, helping individuals and families navigate the complexities of the real estate market with confidence. With a commitment to personalized service, I understand that a mortgage is not just a transaction but a significant step towards achieving homeownership dreams. Beyond my professional dedication, I am a devoted family man living with my wife Kimberly and daughter Braelyn in Wellington, FL. Outside the world of mortgages, I find joy in outdoor pursuits, whether it's perfecting my golf swing, unwinding at the beach, or enjoying refreshing swims in pools. With a passion for both my career and personal interests, I am dedicated to making the mortgage process seamless and enjoyable for my clients. Thank you for considering me as your trusted mortgage partner.

Peter Denning

Brian Pollard

John Goski

Max Fray

I am an empathetic compulsive communicator that thrives in stimulating environments filled with complex problems that require creative solutions. As a Loan Originator I get to see new complexities everyday and celebrate the uniqueness of others lives with compassion by providing the answers that keep them moving towards their goal of homeownership!

Ryan Shawaluk

With over 10+ years of experience in the mortgage industry; I am your mortgage and real estate resource in Indiana.  I specialize in purchase loans, Conventional Loans, VA Loans for veterans and active servicemen, FHA Loans, USDA Loans, Renovation Loans and many other lending options. I’m also able to assist you with any other mortgage transaction you may need assistance with. Whether you’re looking to buy your first home, purchase a new vacation home, secure a property investment, or restructure your mortgage, my team and I have the experience, expertise, and personal touch to bring it all together.

Lisa Stegall

I am here to guide you and educate you on the process and options available to you. As a former teacher, I pride myself on educating my clients so that they can make the best financial decision for themselves and their families.

Jose Arvizu

Justin Huff

Taylor Alvarado

Jay is a nationally licensed mortgage loan originator and Army veteran, ranked #13 in the nation for VA loans by Scotsman Guide. He specializes in guiding veterans through the homebuying process with expert insight and unmatched dedication. Jay creates educational content that empowers both homebuyers and real estate professionals to understand the VA loan advantage better.

Jay Bunte

My name is Lindsey Seay and I’m a Polk County native. I am passionate about local real estate and helping people. I pride myself on building genuine relationships with realtors and clients, keeping open communication, and always going the extra mile. My knowledge of loan products, the loan process, and the local market ensures that your mortgage experience will be fast, easy, and hassle-free for all parties involved. I look forward to working with you and making your real estate goals a reality.

Lindsey Seay

Kevin has been in the mortgage industry for over 7 years. He started originating loans in 2014 and spent time in Mortgage Tech working with and learning from leading Mortgage Executives from across the nation.
Kevin dedicates his time at work ensuring a 5 Star experience for his clients and partners by educating, coaching, and presenting them with scenarios that best fit their financial goals.
Outside of work, Kevin loves hiking, games, and spending time with his wife, two boys and three dogs. He’s never met a game he wouldn’t play, piece of meat he wouldn’t toss on the Traeger and smoke or adventure he wouldn’t take.
An avid Tolkien fan and reader, he is always open for conversations about Middle Earth.
Reach out to him to experience his 5 Star Perfect Loan Process!

Kevin Flint

Texas girl born and raised, I'm a wife and mom of one beautiful daughter. I'm involved in my community as the VP of Argyle Youth Sports Softball and coaching my daughters softball team.  KU Jayhawks, room mom, and spending summers on the lake. I love to read, bake, quilting, riding ATV's, hunting and be with great friends - especially over a cold beer!

Compliance Support

Kris Baker

Mortgage Strategist. Real Estate Investor. I maximize the purchase experience and increase my client's wealth through real estate.

Ashley Henderson

Trevor Reed

Michael Rubino

I got into the Mortgage Industry because I wanted to learn how to buy my first house. I realized that so many things I thought I knew were wrong, and am now blessed to be able to help others navigate their way to homeownership!

When working with me, you will experience genuine client care. I am an advisor and am not in this job to get you in and out the door. Instead, I am invested in you for life and am here to support you and set you up for success. I specialize in all kinds of loan types, solutions for self-employed individuals, and those who need credit score analysis and assistance.

Getting to work with people is great – but helping them lead the life they want is just the most incredible thing. I help people gain financial independence and freedom and see the light in people’s eyes as the doors open in front of them. It’s nice to help make a difference.

When I’m not working, I enjoy traveling, hunting for fossils, and playing Pokémon.

Cailey Gehrig

Ryan Shaugnessy

Roland Simons

Gregory Burkholder

Nash Paradise, known as "The Loan Wizard," is one of the nations top 1% producing mortgage professionals and winner of "Best in Dallas" "Best in Tarrant County" and various other awards and accolades voted by both home buyers and industry professionals.      

After attending the University of North Texas and University of Texas at Arlington as a music performance major (bass trombone) Nash made the obvious transition into mortgage lending. Since 2006, He has been an industry leader, sales coach and invaluable resource to thousands of buyer. 

As "The Loan Wizard" Nash and his team have focused on helping those who otherwise would be lost. He has positioned himself to have the tools and knowledge to work with first time home buyers, credit challenges, self-employment, investors, down payment assistance, mobile homes, vacation properties, multi unit homes and many more. 

As Director of Sales for NXT Mortgage, Nash and his team have the primary responsibility for guiding buyers through their process and helping them achieve their home ownership goals. Whether that requires and detailed and thorough credit and savings plan, or if we're ready to put in an offer today, their team has you covered. 

When he's not solving mortgage puzzles, Nash spends his time with his amazing wife Jennifer who he met in college and their two young kids Nash II and Grace. In his free time he's playing bass guitar for Keystone Church in Keller, TX, building legos with the kids, tending to all sorts of critters from snakes to saltwater fish, and competing in competitive pinball tournaments. 

Servant Leadership is the leading core value for the Paradise Team. They invest their talent and efforts into helping everyone who has a dream to be a home owner. 

"We're never too busy for you. It doesn't matter if you're ready to buy now, next year, need a credit plan, or just need to know what steps to take to be a home owner in the future. My team is here to serve and we're excited to create a plan for you" - Nash Paradise

Director of Sales

Nash Paradise

E.G. Perkins

I've originated loans since 2005. Just as I thought I've seen everything in this profession something new jumps up. I'm the person you want at the helm if this happens. We stay calm, cool, and collected, and keep the process as simple as possible for all of us.  

When I'm not originating loans, I'm busy trying to get my wife and son to join me on the golf course.

Matthew Kranz

Lisa Segura Puckett

Trina Washington

Andrea Erickson

My wife and I have been married for over 18 years.  We have 2 wonderful children Hunter and Anna along with 2 dogs.  I have been in the mortgage industry for over 20 years.  I enjoy helping clients build their net worth through homeownership.

Director of Business Development

Joseph Bartram

Over 15 years of combined experience in real estate and mortgage lending. My passion is helping others and that shows through my drive to give my clients the BEST possible home loan experience from start to finish. I pride myself on excellent communication, customer service and am dedicated to providing superior results for my clients. My goal is to make homeownership not only a goal, but a reality! I offer many loan programs for purchases and refinances such as Conventional, FHA, VA, USDA, JUMBO, Down Payment Assistance and First Time Homebuyer products. I provide financing for residential homes with occupancies of primary residence, second home and investment properties. My clients are my utmost priority and I'd love to be your lender for life!
#LoanMeMoneySunnie

Sunnie Baltes

James is an Army veteran with a passion for helping people. He specializes in real estate investing and government loans (VA, FHA, & USDA).

James prides himself on communication and saving clients money through the mortgage process. Feel free to call or text him anytime!

When he's not working on your loan, he enjoys time with his small dog and family based out of Washington, Colorado, and Texas.

James McMurrey

Tyler Hodgson is the Executive Vice President of Growth at UMortgage and was the Founder & President of NXT Mortgage. Prior to his time in the mortgage industry, Tyler served for four years in the United States Marine Corps. Following his service for our nation, Tyler entered the finance realm, earning his license as a Certified Public Accountant. 
 
In late 2016, Tyler founded NXT Mortgage—a Dallas-area brokerage built to benefit its loan originators and their borrowers with more favorable pricing, transparent leadership, and innovative practices. Having developed a team that provides an industry-leading customer experience, NXT became the #1 brokerage in the state of Texas. This success and record-breaking growth was recognized by leading business publications with 3x highly ranked spots on the INC 5000 list for most successful private companies in the nation in 2021, 2022, and 2023.
 
With an aligned vision for the future of loan origination, NXT merged with UMortgage in 2022 and appointed Tyler as Executive Vice President of Growth. Those same growth strategies have welcomed an immediate and continued impact to UMortgage’s platform.
 
Outside of the office, Tyler enjoys his spare time with his wife and daughter. He’s an avid runner and has been spotted serving aces on the beach volleyball court. He’s incredibly passionate about coaching others and inspiring individuals to reach their full potential.

Executive Vice President of Growth

Tyler Hodgson

Kyle Baker is a Residential Mortgage Consultant with The Epic Mortgage Team in the Orlando, FL area. He has a strong passion for Real Estate and helping his clients through the home buying and refinancing process. Kyle truly cares about his clients and referral partners and is committed to giving a white glove experience. He has a unique approach when helping his clients determine what financing options are best for them and their specific scenario and goals. Using state of the art mortgage technology allows him to straightforwardly demonstrate detailed loan programs and options for his clients.
 
When Kyle is not helping clients achieve the dream of owning real estate, he enjoys spending time with his wife Jessica, his daughter Charlotte, and their dog Duke. He also enjoys time at the beach, playing golf, traveling, and cooking. Reach out to him with any home financing questions whether you are looking to buy, sell, invest, or refinance.

Kyle Baker

Phillip Wagner is a seasoned mortgage professional since entering the industry in May 2006. As a Certified Mortgage Advisor and Certified Veteran Mortgage Advisor, he has helped hundreds of clients achieve their dream of homeownership by guiding them through the complex mortgage process.

Since May of 2006, Phillip has gained expertise in a wide range of financing options, including Conventional, FHA, VA, USDA, Jumbo financing, and Non-QM financing. This extensive knowledge allows him to custom tailor mortgage solutions that best fit his clients' unique needs and financial goals.

What sets Phillip apart from others in the field is his dedication to providing exceptional customer service. He believes that communication is key to a successful mortgage transaction and works closely with his clients and Realtor partners to ensure they are informed throughout the entire process. This approach has earned him loyal clients who often refer their friends and family to him.

In his spare time, Phillip enjoys staying active fishing and spending time with his family. He volunteers with the Mansfield ISD Fishing Team as a boat captain and mentor, C.A.S.T for Kids and at his church TCAL. 

Reach out to Phillip and he will help you create the road map to homeownership and building wealth in real estate.

Phillip Wagner

I'm excited to be part of your home buying journey and I look forward to the opportunity to work together. 

Please call or text anytime! No question is too small and I'm happy to explain anything in more detail.  

I specialize in helping you achieve and understand the POWER of homeownership!

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