4610 E Meadowview Dr. Gilbert, AZ 85298 US
Concierge Partners
Kelly Zitlow
For more than 23 years Kelly has built her award-winning, highly-respected career as a Vice President and Certified Mortgage Planning Specialist® on earning the trust of her clients and partners by providing honest, well-communicated and knowledge-based lending experiences with on-time results!
Kelly’s unmatched level of personal service, commitment to education, and client-centered approach has led her to receive top-level production awards for the last 16 consecutive years. She is ranked as one of the top 1% of loan officers nationally in both Scotsman Guide & National Mortgage News Magazine. She has also received the Five-Star Mortgage Professional Award (voted on by consumers) for the last 5 years in a row. Her success is second to the pride she feels for helping her community realize the dream of home ownership.
Kelly is a dynamic speaker who has been a special guest at several mortgage industry events across the nation including Todd Duncan Sales Mastery, Lender’s One Conference and Mortgage Girlfriend Mastermind to name a few. You may also see her as a periodic guest speaker on the Mortgage Coach Productivity Mastermind with Dave Savage. Kelly is a professional mortgage industry speaker with MortgageWomenSpeakers.com. To help educate the community, check-out Kelly’s YouTube channel aimed at providing both real estate agents and consumers important information about home lending. View Kelly's YouTube Channel and subscribe.
Besides mortgage lending, Kelly enjoys speaking about video marketing. When she started her YouTube Channel in 2014, there was an increase of 35% in her business the very first year and steady residual growth since. This has led her to receive 2018 & 2019 Video Influencer Awards from BombBomb. This exposure has also led her to additional TV appearances including being featured in a special segment during two episodes "Designing Spaces" on Lifetime TV. Kelly also appears weekly as the Arizona host of "The American Dream" TV show in the Phoenix/Scottsdale Market.
Raised in Arizona, Kelly graduated Cum Laude from Arizona State University. When she’s not working she cherishes time with her husband Dan and their two sons, Jack and Nicholas, as well as Champ, their Labradoodle.
Michael Certo
As a graduate of Ball State University in organizational communication, Michael’s work experience spans from small business to large Fortune 500 companies. He has been a top mortgage consultant in the financing industry for the past 9 years. By striving to obtain the best financing scenarios and provide his clients with excellent customer service he has been awarded President’s Club and Circle of Excellence Honors six times at three different major corporations.
Michael’s major objective when working with his clients is to obtain the best debt strategy to create long term wealth. He takes the time with each client to analyze different down payment options and discuss the key benefits and drawbacks of each program.
Michael strives to make sure that every client has a clear understanding of their financing and that they
walk away from their transaction with the knowledge of how to maximize their credit and purchasing ability
for future transactions.
Michael not only sets and achieves goals inside the office but also in his personal life. Michael climbed Mt. Kiliminjaro in October of 2007, the highest peak on the African continent and the highest free standing mountain in the world standing over 19,341 ft high. In 2009 he climbed Mt. Rainier in Washington standing 14,411 ft high. Michael also completed his first marathon in 2009 in San Diego and has run several half marathons as well. He also spends time giving back to his community by helping non-profit corporations through a collaboration of top Phoenix business people with Arizona LeaderForce.
Amber Kovarik
As a professional in the mortgage industry for over 16 years, I have learned that what continues to excite me about helping my clients attain the dream of homeownership is the ability to constantly improve the client experience. I strive to make the process of getting a mortgage easier, faster, and more transparent. By understanding my clients’ expectations, and delivering well beyond them, I am able build personal and trusting relationships, and have the opportunity to serve their home financing needs for life.
A mortgage is likely the largest debt an individual will have, and it is so important that it is professionally managed. My passion for educating clients on their mortgage options means they are getting a true advisor that can integrate their mortgage into an overall financial plan. The possibility that I can help someone be better off financially because of how we structed their mortgage is something that motivates me every day.
Challenging myself to see continued improvement in all areas of my life is something I strive for. Nothing in my life is more important to me that being the best Wife and Mother of my 2 little girls. Being with my family and experiencing life with them is what brings me the most joy and fulfillment.
They say “How you do anything is how you do everything” so I aim to play big in everything that I do!
Philip Aurich
Philip is a native of St. Paul, MN and a graduate of The University of Wisconsin Eau Claire with a Bachelor Degree in Business Administration. Philip moved to Southern Nevada in 2005 to begin his career in the mortgage industry with First Option. After becoming the top loan originator in the country for First Option, he transitioned in a Branch Manager role and ultimately an Area President. During his tenure at First Option, Philip has seen the extremes of the mortgage industry, from the pre-recession boom to the housing crisis crash of 2007. Through his leadership, First Option was one of the few mortgage lenders in Southern Nevada to make it through the housing crisis of 2007.
Philip and his office carry the mantra of “The Standard is The Standard”, which means that no matter who you are working with at First Option Las Vegas, they are expected to meet or exceed the Standard that has been set. That Standard is one of impeccable service, unmatched industry knowledge, reliable communication, embraced accountability, and incomparable integrity. Philip’s team is one that is on the forefront of the technology advances in the mortgage industry and embraces how much tech can enhance the customers experience.
The First Option Las Vegas team is also committed to providing unparalleled service and value to their Real Estate partners as well. That commitment means First Option considers its Real Estate partners as extensions of themselves and our Standard. Together with our partners, we provide a client experience that is unmatched in Las Vegas.
Chris Binney
Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise, knowledge, and experience you need to explore the many financing options available
Dustin DeHart
Dustin is a native of Las Vegas, Nevada and a graduate of the University of Nevada, Las Vegas. He has been a loan originator since 2005. Dustin has been ranked in the top 1% of loan originators nationwide since 2012, and is continually ranked as one of the top loan originators in Las Vegas, Nevada. In addition to providing mortgage and financial services, Dustin is also the host and creator of the "Real Estate Live" radio show airing Saturdays from 11:00 am to 1:00 pm on KXNT 840 AM. The Las Vegas real estate market is always a roller coaster, so jump on the Real Estate Live Show to find out how to make the best decision if you are looking to buy, sell, or refinance a home you own now. Dustin and his team offer top of the line advice while maintaining an exceptional level of personal service. If you need a loan, pick up the phone...
Randall C. McMichael
Randall “Randy” McMichael co-founded McMichael & Gray, PC in 2006. Prior to co-founding the firm, Randy was the marketing and managing attorney for Trey Inman & Associates, PC (2004-2006). Randy began his legal career with Russell M. Stookey, PC in Hiawassee, Georgia in 2003. He is the firm’s managing partner and heads the firm’s builder and resale divisions. Randy represents developers, builders, lenders, and real estate brokers with their real estate and legal needs. In 1999, Randy graduated from the University of Georgia with a Bachelor of Arts Degree in History and received his Doctor of Jurisprudence from Mercer University Walter F. George School of Law in 2003.
JD Crowe
Hello, I’m J.D. Crowe, President here at Southeast Mortgage. My career in the mortgage banking industry began in 1998 after serving 6 years as an officer in the US Army. As I was leaving the Army, I was planning on staying in the logistics field. I traveled to Atlanta for a final interview but was surprisingly convinced by a good friend who worked in the mortgage business to work with him and learn about the industry. He gave me three cassette tapes to listen to that described the type of person that thrived in mortgage sales – a person that had both the ability to relate to people and sell and also have an analytical side who can pay close attention to detail. I was immediately intrigued as this sounded like the perfect fit for my skills.
Fast forward to April of 2010, when I made the decision to join Southeast Mortgage. Initially my goals and directives were to originate mortgages, start a branch and develop a sales team. I quickly took on other tasks and began working company level projects to assist in the growth of the entire organization.
Ronald Atniel
I am proud to be part of the team at RPM Mortgage®. With the support of in-house processing, underwriting and funding professionals, I am able to offer the fast, personalized service you deserve when purchasing or refinancing your home. Our vast collection of lending products is designed to accommodate unique scenarios and offer you more choices. Getting started is easy with our Home On Time® Application. You’re able to submit your profile and financials in minutes from any device, and communication is streamlined so you and I can share information quickly and easily throughout the lending process.
Chris Lawler
Throughout his entire life, Chris have held onto the belief that if you take care of the community, then the community will take care of you. Chris translated this passion for helping people into a career, cherishing the fact that when his clients receive their keys, his work becomes the expressions of delight and excitement for first time homeowners and investors alike.
Originally born in Germany, Chris traveled the world before making his home in Arizona with his wife Caitlin and four beautiful children.
When he is not with his clients, he loves to spend time with his family or working for philanthropic causes.
At the Lawler Team, we believe that it is our duty, obligation, and responsibility to provide exceptional service for our clients.
Come see why we are in the top 1% of mortgage originators nationwide.
Donni Phommany
Residential and Commercial Lending expertise with a discerning approach to executing results. Spanning two decades of industry knowledge with an emphasis on investment strategies and real estate development. Let the Mortgage Zen prove your worth.
The world of real estate finance is an ever-changing one with new rules and guidelines being implemented by investors, lending institutes and government-sponsored entities.
Carl Brackens
WHAT I DO: Help clients achieve their top goal by proving a wealth of knowledge, resources, services & affiliations. WHO I WORK WITH: I partner with Bankers, Investors, Realtors, Brokers, Directors, Business Managers, Consultants, Underwriters, Insurance Agents, Human Resource Managers, Financial Planners, CPA's, Business Owners, Affiliate Members and Talent Agencies. WHY IT WORKS: When you partner with my team, you get the most efficient, effective and affordable product and services you're looking for right now. WHAT MAKES ME DIFFERENT: Seasoned, experienced professional with one goal in mind..."how can I help you grow your business". WHAT OTHERS SAY: (1/6/2017 Great experience
Jenn Belmore from 94565) "We refinanced our home last year with Carl and it was a great experience. We were able to do everything though email and electronic documents so it was super convenient. Carl was helpful, easy to get a hold of and always answered any questions promptly. The whole process was smooth and did not take very long". --- "Best Customer Service & Mortgage Experience"
(markurgreat from 94591) "Carl was absolutely amazing. Responsive, knowledgeable and sincere in his single mission to help me. He told me what to expect, and everything went as planned. It was the easiest transaction with no surprises. I would definitely refer my friends, family and even co-workers to Carl. He made me feel as if I was his only customer". HOW IT WORKS: My process is simple, start by reaching out to me and we can discuss your goals and needs. Depending on the complexity, I will follow up or one of my team members will follow up with you with a solution. There's no cost for discussing and preparing plan so fill free to reach out. READY TO CONNECT? Reach out to me directly here on LinkedIn and let's work together to create solutions.
Paul Hasna
Paul Hasna has been helping families and individuals realize their dream of home ownership for 18 years in Utah, Nevada and California. He specializes in all First – Time Home Buyer programs, such as VA, FHA, Rural Development and Conventional HomeReady™ Home Possible™ and MyCommunity™ home loans.
His most complimented characteristic is his top notch communication and being readily available 7 days a week to answer questions and it’ so important to him that his clients completely understand the home buying process from A to Z . The majority of his clients use Paul for their subsequent home purchases because of the great experience and attention to detail they receive from him and his team.
Ben Tobias
A graduate of the University of Arizona, Ben Tobias started his career in the mortgage industry working behind the scenes. Soon after, he moved on to a position as a Mortgage Originator, so that he could work closely with Home Buyers and the Realtor Community. Over the years, Ben has become an expert in handling a high volume of loan transactions, but he also knows the importance of maintaining a high level of service as well. Coming to Fairway Independent Mortgage Corporation was a simple choice for the Tobias Team; The company has a wide product selection, excellent rates, and a reputation for closing loans. Ben joined the Tobias Team in 2009 where he has excelled as a Mortgage Originator providing service to borrowers for both purchases and refinances. He also works closely with Referral Partners helping them grow their business, as well.
The combined skills and over 30 years of experience that make up the Tobias Team has created a group that specializes in creative financing and originating approvable loans. This can be done through the strong base that Fairway provides, with in-house processing, underwriting, and funding, all available at their disposal. This creates the ability to close most government and conventional loans in less than three weeks. Because of that, and their commitment to customer service, the Tobias Team has thrived in an otherwise difficult housing market, and has closed loans for customers who were previously unsuccessful with their previous lender, or who weren’t offered acceptable rates.
Ultimately, what makes us special is our commitment to what really matters to their borrowers and referral partners: communication, integrity and timeliness. Their goal is to make every transaction as simple and clear for everyone involved, and to accomplish that, they are available seven days a week for their customer’s convenience.
Donni Phommany
Residential and Commercial Lending expertise with a discerning approach to executing results. Spanning two decades of industry knowledge with an emphasis on investment strategies and real estate development. Let the Mortgage Zen prove your worth.
The world of real estate finance is an ever-changing one with new rules and guidelines being implemented by investors, lending institutes and government-sponsored entities.
Contact The Mortgage Zen today and allow me to EARN your business!
Nick Ahmad
An experienced mortgage executive with a demonstrated history of working in the mortgage industry. Skilled in mortgages, Sales, Credit Analysis, Conventional, FHA Financing, and VA Loans. Strong professional with proven leadership and a keen emphasis on client success.
Julie Segura
I have been a licensed Mortgage Loan Originator since 2004. I truly enjoy helping people achieve the "DREAM" of Home Ownership. This is just 1 reason why I enjoy working with First Time Homebuyers. I pride myself in taking the time in educating the borrower on the home buying process and what to expect.