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Meet Morty's Loan Officers

Melanie Adams
Melanie Adams
Mortgage Loan Officer
NMLS #1174659
Solomon Agbo
Solomon Agbo
Mortgage Loan Officer
NMLS #2299349
Oladipo Akanji
Oladipo Akanji
Mortgage Loan Officer
NMLS #2284150
Christopher Alfano
Christopher Alfano
Mortgage Loan Officer
NMLS #2512210
Luke Amoresano
Luke Amoresano
Mortgage Loan Officer
NMLS #2311093
Edward Amos
Edward Amos
Mortgage Loan Officer
NMLS #2327468
Mark Anderson
Mark Anderson
Mortgage Loan Officer
NMLS #2068383
Franck Auplan
Franck Auplan
Mortgage Loan Officer
NMLS #2048436
Adam Badis
Adam Badis
Mortgage Loan Officer
NMLS #1995297
Fern Baedyananda
Fern Baedyananda
Mortgage Loan Officer
NMLS #2531412
Danielle Bauldree
Danielle Bauldree
Mortgage Loan Officer
NMLS #2396761
Nallely Bautista
Nallely Bautista
Mortgage Loan Officer
NMLS #2521056
Mari Benson
Mari Benson
Mortgage Loan Officer
NMLS #2566957
Ashish Bindal
Ashish Bindal
Mortgage Loan Officer
NMLS #2459149
Padma Bodapati
Padma Bodapati
Mortgage Loan Officer
NMLS #1965873
Courtney Bogan
Courtney Bogan
Mortgage Loan Officer
NMLS #2424285
Joel Botero
Joel Botero
Mortgage Loan Officer
NMLS #2484365
Kiley Brenneman
Kiley Brenneman
Mortgage Loan Officer
NMLS #2555177
Karryn Bridges
Karryn Bridges
Mortgage Loan Officer
NMLS #2464174
Jahvar Brown
Jahvar Brown
Mortgage Loan Officer
NMLS #2171439
Julie Byrne
Julie Byrne
Mortgage Loan Officer
NMLS #2554759
Mamadi Camara
Mamadi Camara
Mortgage Loan Officer
NMLS #2278132
Debra Carter
Debra Carter
Mortgage Loan Officer
NMLS #2355979
Cesar Castaneda
Cesar Castaneda
Mortgage Loan Officer
NMLS #2510115
Allan Cayanan
Allan Cayanan
Mortgage Loan Officer
NMLS #2532005
David Charlson
David Charlson
Mortgage Loan Officer
NMLS #2471765
Ning Chen
Ning Chen
Mortgage Loan Officer
NMLS #2473467
Basavaiah Cherukuri
Basavaiah Cherukuri
Mortgage Loan Officer
NMLS #2281596
Vlad Cirmati
Vlad Cirmati
Mortgage Loan Officer
NMLS #605784
Jean-Francois Combe
Jean-Francois Combe
Mortgage Loan Officer
NMLS #2537129
Orland Copeland
Orland Copeland
Mortgage Loan Officer
NMLS #777478
Nick Dean
Nick Dean
Mortgage Loan Officer
NMLS #2458307
Luis Diaz
Luis Diaz
Mortgage Loan Officer
NMLS #2527531
Roberto Di Lena
Roberto Di Lena
Mortgage Loan Officer
NMLS #2556226
Emrah Dilsizoglu
Emrah Dilsizoglu
Mortgage Loan Officer
NMLS #2563567
Jovica Djurdjevic
Jovica Djurdjevic
Mortgage Loan Officer
NMLS #2576017
Tabaitha Dorsey
Tabaitha Dorsey
Mortgage Loan Officer
NMLS #110569
Harry Esses
Harry Esses
Mortgage Loan Officer
NMLS #1853348
Phillip Estevez
Phillip Estevez
Mortgage Loan Officer
NMLS #2102838
Dillon Eversole
Dillon Eversole
Mortgage Loan Officer
NMLS #2584938
Krystal Flemmings
Krystal Flemmings
Mortgage Loan Officer
NMLS #2311152
Maria Fortner
Maria Fortner
Mortgage Loan Officer
NMLS #2555687
Nahsiam Friant
Nahsiam Friant
Mortgage Loan Officer
NMLS #2556066
Carmen Gabriel
Carmen Gabriel
Mortgage Loan Officer
NMLS #2541700
Jimmy Garrett
Jimmy Garrett
Mortgage Loan Officer
NMLS #2104264
Latifa Garrison
Latifa Garrison
Mortgage Loan Officer
NMLS #859979
Joel Goodson
Joel Goodson
Mortgage Loan Officer
NMLS #2580525
Jaemi Graham
Jaemi Graham
Mortgage Loan Officer
NMLS #2084203
Mark Greiss
Mark Greiss
Mortgage Loan Officer
NMLS #1927279
Paul Gresh
Paul Gresh
Mortgage Loan Officer
NMLS #2129698
Heather Grodski
Heather Grodski
Mortgage Loan Officer
NMLS #2538322
Derek Gussaroff
Derek Gussaroff
Mortgage Loan Officer
NMLS #1152020
Chenesai Guti
Chenesai Guti
Mortgage Loan Officer
NMLS #2582840
Anita Hale
Anita Hale
Mortgage Loan Officer
NMLS #1986603
Maikel Hanna
Maikel Hanna
Mortgage Loan Officer
NMLS #2583311
Joel Harrington
Joel Harrington
Mortgage Loan Officer
NMLS #2568485
Robert Heck
Robert Heck
Mortgage Loan Officer
NMLS #1581719
Dieter Heren
Dieter Heren
Mortgage Loan Officer
NMLS #2566316
Ivan Hernandez
Ivan Hernandez
Mortgage Loan Officer
NMLS #982497
Monroe Holland
Monroe Holland
Mortgage Loan Officer
NMLS #2405627
Kristen Hordyk
Kristen Hordyk
Mortgage Loan Officer
NMLS #2564353
Ana Hudson
Ana Hudson
Mortgage Loan Officer
NMLS #2573562
Alan Huerta
Alan Huerta
Mortgage Loan Officer
NMLS #2409931
Shante Inniss
Shante Inniss
Mortgage Loan Officer
NMLS #2565433
Ladan Jamali
Ladan Jamali
Mortgage Loan Officer
NMLS #1811924
Angela James
Angela James
Mortgage Loan Officer
NMLS #2302753
David Jimenez
David Jimenez
Mortgage Loan Officer
NMLS #2563285
Brandi John
Brandi John
Mortgage Loan Officer
NMLS #1958631
William Jones
William Jones
Mortgage Loan Officer
NMLS #2368531
Arun Karthick
Arun Karthick
Mortgage Loan Officer
NMLS #2567625
Lourdhureddy Kommareddy
Lourdhureddy Kommareddy
Mortgage Loan Officer
NMLS #2514418
David Krause
David Krause
Mortgage Loan Officer
NMLS #2375845
Debi Krichbaum
Debi Krichbaum
Mortgage Loan Officer
NMLS #2559852
Alan Lam
Alan Lam
Mortgage Loan Officer
NMLS #2490624
Nico Le
Nico Le
Mortgage Loan Officer
NMLS #2474977
Adrian Leos
Adrian Leos
Mortgage Loan Officer
NMLS #2554794
Steven Lew
Steven Lew
Mortgage Loan Officer
NMLS #2577068
Christopher Long
Christopher Long
Mortgage Loan Officer
NMLS #2495053
Melissa Lucic
Melissa Lucic
Mortgage Loan Officer
NMLS #2530166
Jessie Lynn
Jessie Lynn
Mortgage Loan Officer
NMLS #2518404
Saibabu Maddineni
Saibabu Maddineni
Mortgage Loan Officer
NMLS #2494094
Olivia Margarita Beck
Olivia Margarita Beck
Mortgage Loan Officer
NMLS #2107830
John Mark
John Mark
Mortgage Loan Officer
NMLS #2576959
Szana Marr
Szana Marr
Mortgage Loan Officer
NMLS #1214330
James Marshall
James Marshall
Mortgage Loan Officer
NMLS #2473462
James Marshall
James Marshall
Mortgage Loan Officer
NMLS #2473462
Scott Mason
Scott Mason
Mortgage Loan Officer
NMLS #2576892
Royce Mathew
Royce Mathew
Mortgage Loan Officer
NMLS #1484640
Art McCoy
Art McCoy
Mortgage Loan Officer
NMLS #2069261
Brittany McDonald
Brittany McDonald
Mortgage Loan Officer
NMLS #2192147
Alexander McInnis
Alexander McInnis
Mortgage Loan Officer
NMLS #2563540
DuJuan Merritt
DuJuan Merritt
Mortgage Loan Officer
NMLS #407376
Keesha Metcalfe
Keesha Metcalfe
Mortgage Loan Officer
NMLS #1770221
Vanessa Morency
Vanessa Morency
Mortgage Loan Officer
NMLS #2517679
Karen Mullins
Karen Mullins
Mortgage Loan Officer
NMLS #1517179
Sheenahgh Nguyen
Sheenahgh Nguyen
Mortgage Loan Officer
NMLS #2568273
Friday Ogiamen
Friday Ogiamen
Mortgage Loan Officer
NMLS #2355744
Tuan Oliva
Tuan Oliva
Mortgage Loan Officer
NMLS #2055416
Louis Ortiz
Louis Ortiz
Mortgage Loan Officer
NMLS #693349
Arpit Pandya
Arpit Pandya
Mortgage Loan Officer
NMLS #2282174
Hiral Patel
Hiral Patel
Mortgage Loan Officer
NMLS #2568031
Akruti Patel
Akruti Patel
Mortgage Loan Officer
NMLS #2060236
Lorenzo Pawnell
Lorenzo Pawnell
Mortgage Loan Officer
NMLS #2355706
Chris Peasley
Chris Peasley
Mortgage Loan Officer
NMLS #2529112
Enmanuel Pena
Enmanuel Pena
Mortgage Loan Officer
NMLS #2513610
Jennifer Perez
Jennifer Perez
Mortgage Loan Officer
NMLS #2582770
Christian Peterson
Christian Peterson
Mortgage Loan Officer
NMLS #2589904
Hien Pham
Hien Pham
Mortgage Loan Officer
NMLS #2541283
Lauren Pilon
Lauren Pilon
Mortgage Loan Officer
NMLS #2009361
Nick Pinto
Nick Pinto
Mortgage Loan Officer
NMLS #2559082
Yurisan Placencia
Yurisan Placencia
Mortgage Loan Officer
NMLS #2534210
Myles Powell
Myles Powell
Mortgage Loan Officer
NMLS #2550832
Rashad Pride
Rashad Pride
Mortgage Loan Officer
NMLS #1079432
Gabriella Purita
Gabriella Purita
Mortgage Loan Officer
NMLS #2232112
Vaidehi Rathod
Vaidehi Rathod
Mortgage Loan Officer
NMLS #2523290
Pat Rattan
Pat Rattan
Mortgage Loan Officer
NMLS #2516026
Raghuveer Reddy Thadisina
Raghuveer Reddy Thadisina
Mortgage Loan Officer
NMLS #2529176
Antonio Rego
Antonio Rego
Mortgage Loan Officer
NMLS #2549442
Austin Rice-Osborne
Austin Rice-Osborne
Mortgage Loan Officer
NMLS #1904440
Mishawn Roberts
Mishawn Roberts
Mortgage Loan Officer
NMLS #1986551
Justin Rogers
Justin Rogers
Mortgage Loan Officer
NMLS #2515752
Robert Rubio
Robert Rubio
Mortgage Loan Officer
NMLS #940964
Quinton Rushi Brown
Quinton Rushi Brown
Mortgage Loan Officer
NMLS #2526986
Derek Sanchez
Derek Sanchez
Mortgage Loan Officer
NMLS #2267234
Alexander Shahin
Alexander Shahin
Mortgage Loan Officer
NMLS #540343
Niro Shemer
Niro Shemer
Mortgage Loan Officer
NMLS #2443950
Marquelon Sigler
Marquelon Sigler
Mortgage Loan Officer
NMLS #2089743
Jason Smith
Jason Smith
Mortgage Loan Officer
NMLS #2451732
Shaun Smith
Shaun Smith
Mortgage Loan Officer
NMLS #1886137
Benjamin Smith
Benjamin Smith
Mortgage Loan Officer
NMLS #1972740
Tykia Stokes
Tykia Stokes
Mortgage Loan Officer
NMLS #2007342
Keyotta Stroud
Keyotta Stroud
Mortgage Loan Officer
NMLS #2091096
Nikhil Tamhankar
Nikhil Tamhankar
Mortgage Loan Officer
NMLS #2572939
Wendy Tucker
Wendy Tucker
Mortgage Loan Officer
NMLS #1826406
Kevin VanConant
Kevin VanConant
Mortgage Loan Officer
NMLS #2097685
Andrea Vega
Andrea Vega
Mortgage Loan Officer
NMLS #2554797
Md Wali Ullah
Md Wali Ullah
Mortgage Loan Officer
NMLS #2519090
Wen Bo Wang
Wen Bo Wang
Mortgage Loan Officer
NMLS #2571528
Jingyu Wang
Jingyu Wang
Mortgage Loan Officer
NMLS #2547714
Theresa Williams
Theresa Williams
Mortgage Loan Officer
NMLS #1072855
LaSheena Williams-Brown
LaSheena Williams-Brown
Mortgage Loan Officer
NMLS #2322571
Terrance Wilson
Terrance Wilson
Mortgage Loan Officer
NMLS #2443356
Anesha Wright
Anesha Wright
Mortgage Loan Officer
NMLS #2508826
Adam Xu
Adam Xu
Mortgage Loan Officer
NMLS #2522805
Max Yates
Max Yates
Mortgage Loan Officer
NMLS #134265
Tia Yeo
Tia Yeo
Mortgage Loan Officer
NMLS #1993952
Adel Zahedi
Adel Zahedi
Mortgage Loan Officer
NMLS #2570822
Edouard Zoutomou
Edouard Zoutomou
Mortgage Loan Officer
NMLS #2346582

What are the different types of mortgages?

When it’s time to choose your loan, one of the most important choices you’ll make is how your mortgage rate is structured. Your rate tells you how much you’ll pay in interest each year on your mortgage. While the differences may feel small, even a tenth of a point can amount to thousands of dollars over the life of your loan.

Rates are typically structured as "fixed or "adjustable." Most – but not all – loan options offer this choice, so it’s important to be aware of your options.

Fixed-rate mortgages

A mortgage with a set interest rate that never changes throughout the life of your loan. Most fixed-rate mortgages have 30-year and 15-year repayment terms. These loans offer buyers a level of consistency that many others do not.

Best for homebuyers who...
want a predictable, lower monthly payment amount that remains for the life of the loan.

Adjustable-rate mortgages (ARMs)

ARMs can be a good option to get a lower upfront rate than a fixed-rate mortgage. After the fixed period, the interest rate on an ARM becomes variable and changes at regular intervals to reflect the most current market conditions.

Best for homebuyers who...
don’t intend to own the property longer than the fixed period, and/or who expect interest rates to decline in the future.

More: The ABCs of ARMs →

Conventional Loans

A conventional loan includes any mortgage type that’s not part of a specific government program such as the FHA, VA or USDA (more on these government-backed loans below). While more cost-effective than other loan options for those who qualify, a conventional loan typically requires that borrowers have a credit score of at least 620, along with a minimum down payment amount.

Government Program Loans

These programs are consstructed for specific groups of people who fit certain criteria, such as veterans or buyers with lower credit scores.

More: Low Down Payment Options? →

FHA
  • Credit scores as low as 500
  • Down payments as low as 3.5%
  • Requires mortgage insurance for the life of the loan

Best for homebuyers who...
have lower credit scores or are not able to make a 20% down payment.

More: Everything you need to know about FHA loans →

USDA
  • Restricted to rural locations
  • Income and property value caps
  • Require no down payment
  • Available for home improvement loans as well

Best for homebuyers who...
live in qualifying rural areas seeking a loan without a down payment.

More: Who qualifies for a USDA loan? →

VA
  • Available to military service members and veterans
  • Requires no down payment and no mortgage insurance
  • Requires a VA funding fee based on the value of the property

Best for homebuyers who...
are qualified military service members looking for lower interest rates or mortgage loans with no down payment.

More: Eligibility requirements for a VA loan →

Non-conforming loan options and investment properties

Mortgage amounts higher than $647,200 (in most areas) are considered "non-conforming, per guidelines laid out by Fannie Mae and Freddie Mac, and will require a jumbo loan. With an investment home, you’ll likely need to put up a larger down payment since mortgage insurance isn’t an option here.

Jumbo
  • Loan limits set annually by the Federal Housing Financing Agency (FHFA).
  • The conforming loan limit is $647,200 in most areas for 2022.
  • The limit is higher in certain parts of the country; check your location using the FHFA loan limit map.

Best for homebuyers who...
are looking to purchase a more expensive property that doesn’t conform to the FHFA’s loan limit.

More: What is a jumbo loan? →

Investment properties
  • An investment property can be a home you plan to improve and sell.
  • It could also be a property you intend to rent out, or a home in an area where you expect values will rise.
  • Financing requirements are typically more stringent than those of a primary residence

Best for homebuyers who...
are purchasing a property for the purposes of generating income, rather than a primary residence home purchase.

More: Vacation homes and investment properties →

Interested in becoming a mortgage loan officer?

Join Morty! We are always looking to bring on enthusiastic loan officers! If you're new to mortgage, or looking to add new states to your MLO license, check out our state-by-state mortgage licensing guides or quick link to specific state licensing requirements below.

Editorial Disclaimer:
All content on this page is intended to be strictly educational, unbiased information for potential homebuyers. Every financial situation is unique, and we do not offer financial advice. We recommend individuals perform their own due diligence and research when choosing a lender or making any major financial decision. To the best of our knowledge, all content is accurate as of the date posted, though commentary related to the market is always subject to change. The opinions expressed are the author’s alone.