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Meet Morty's Loan Officers

Joy Nicole Adams
Joy Nicole Adams
Mortgage Loan Officer
NMLS #2472549
Govinda Adhikari
Govinda Adhikari
Mortgage Loan Officer
NMLS #2500932
Solomon Agbo
Solomon Agbo
Mortgage Loan Officer
NMLS #2299349
Christopher Alfano
Christopher Alfano
Mortgage Loan Officer
NMLS #2512210
Rani Alkoptan
Rani Alkoptan
Mortgage Loan Officer
NMLS #2495821
Luke Amoresano
Luke Amoresano
Mortgage Loan Officer
NMLS #2311093
Edward Amos
Edward Amos
Mortgage Loan Officer
NMLS #2327468
Franck Auplan
Franck Auplan
Mortgage Loan Officer
NMLS #2048436
Nallely Bautista
Nallely Bautista
Mortgage Loan Officer
NMLS #2521056
Bheem Bhat
Bheem Bhat
Mortgage Loan Officer
NMLS #2514417
Gabriel Bodner
Gabriel Bodner
Mortgage Loan Officer
NMLS #1895385
Courtney Bogan
Courtney Bogan
Mortgage Loan Officer
NMLS #2424285
Shannon Brodeur
Shannon Brodeur
Mortgage Loan Officer
NMLS #2508005
Jahvar Brown
Jahvar Brown
Mortgage Loan Officer
NMLS #2171439
Mamadi Camara
Mamadi Camara
Mortgage Loan Officer
NMLS #2278132
Cesar Castaneda
Cesar Castaneda
Mortgage Loan Officer
NMLS #2510115
David Charlson
David Charlson
Mortgage Loan Officer
NMLS #2471765
Basavaiah Cherukuri
Basavaiah Cherukuri
Mortgage Loan Officer
NMLS #2281596
Vlad Cirmati
Vlad Cirmati
Mortgage Loan Officer
NMLS #605784
Orland Copeland
Orland Copeland
Mortgage Loan Officer
NMLS #777478
Giselle Cruz
Giselle Cruz
Mortgage Loan Officer
NMLS #2188440
Nick Dean
Nick Dean
Mortgage Loan Officer
NMLS #2458307
Roberto Di Lena
Roberto Di Lena
Mortgage Loan Officer
NMLS #2556226
LaDia Dodd
LaDia Dodd
Mortgage Loan Officer
NMLS #1987983
Adam Edwards
Adam Edwards
Mortgage Loan Officer
NMLS #2277776
Harry Esses
Harry Esses
Mortgage Loan Officer
NMLS #1853348
Phillip Estevez
Phillip Estevez
Mortgage Loan Officer
NMLS #2102838
Carmen Gabriel
Carmen Gabriel
Mortgage Loan Officer
NMLS #2541700
Samantha Garcia
Samantha Garcia
Mortgage Loan Officer
NMLS #2540414
Jimmy Garrett
Jimmy Garrett
Mortgage Loan Officer
NMLS #2104264
Latifa Garrison
Latifa Garrison
Mortgage Loan Officer
NMLS #859979
Drona Gautam
Drona Gautam
Mortgage Loan Officer
NMLS #2551524
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
Derek Gussaroff
Derek Gussaroff
Mortgage Loan Officer
NMLS #1152020
Michael Gutierrez
Michael Gutierrez
Mortgage Loan Officer
NMLS #2338565
Anita Hale
Anita Hale
Mortgage Loan Officer
NMLS #1986603
Barbara Hart
Barbara Hart
Mortgage Loan Officer
NMLS #2494220
Robert Heck
Robert Heck
Mortgage Loan Officer
NMLS #1581719
Aki Henderson
Aki Henderson
Mortgage Loan Officer
NMLS #2356384
Kaleb Herfurth
Kaleb Herfurth
Mortgage Loan Officer
NMLS #2362582
Ivan Hernandez
Ivan Hernandez
Mortgage Loan Officer
NMLS #982497
Monroe Holland
Monroe Holland
Mortgage Loan Officer
NMLS #2405627
Quazi Hossain
Quazi Hossain
Mortgage Loan Officer
NMLS #2534423
Tonya Jackson
Tonya Jackson
Mortgage Loan Officer
NMLS #1532132
Ladan Jamali
Ladan Jamali
Mortgage Loan Officer
NMLS #1811924
Angela James
Angela James
Mortgage Loan Officer
NMLS #2302753
Brandi John
Brandi John
Mortgage Loan Officer
NMLS #1958631
William Jones
William Jones
Mortgage Loan Officer
NMLS #2368531
Logan Kaleta
Logan Kaleta
Mortgage Loan Officer
NMLS #2533204
Arvind Khowala
Arvind Khowala
Mortgage Loan Officer
NMLS #2521920
Lourdhureddy Kommareddy
Lourdhureddy Kommareddy
Mortgage Loan Officer
NMLS #2514418
David Krause
David Krause
Mortgage Loan Officer
NMLS #2375845
Alan Lam
Alan Lam
Mortgage Loan Officer
NMLS #2490624
Christopher Long
Christopher Long
Mortgage Loan Officer
NMLS #2495053
Leo Lopes
Leo Lopes
Mortgage Loan Officer
NMLS #2146135
Melissa Lucic
Melissa Lucic
Mortgage Loan Officer
NMLS #2530166
Jessie Lynn
Jessie Lynn
Mortgage Loan Officer
NMLS #2518404
Steve Manos
Steve Manos
Mortgage Loan Officer
NMLS #1723104
Olivia Margarita Beck
Olivia Margarita Beck
Mortgage Loan Officer
NMLS #2107830
Art McCoy
Art McCoy
Mortgage Loan Officer
NMLS #2069261
Brittany McDonald
Brittany McDonald
Mortgage Loan Officer
NMLS #2192147
Gaila McManus
Gaila McManus
Mortgage Loan Officer
NMLS #1044020
Angela McNeil
Angela McNeil
Mortgage Loan Officer
NMLS #2535443
Nick Milano
Nick Milano
Mortgage Loan Officer
NMLS #2481407
Vanessa Morency
Vanessa Morency
Mortgage Loan Officer
NMLS #2517679
Corenza Morris
Corenza Morris
Mortgage Loan Officer
NMLS #2471904
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
Louis Ortiz
Louis Ortiz
Mortgage Loan Officer
NMLS #693349
Arpit Pandya
Arpit Pandya
Mortgage Loan Officer
NMLS #2282174
Angelica Pascual
Angelica Pascual
Mortgage Loan Officer
NMLS #2526115
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
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 #2549442
Kaitlin Pitts
Kaitlin Pitts
Mortgage Loan Officer
NMLS #2480041
Yurisan Placencia
Yurisan Placencia
Mortgage Loan Officer
NMLS #2534210
Michael Porcelli
Michael Porcelli
Mortgage Loan Officer
NMLS #280503
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
Dustin Rippetoe
Dustin Rippetoe
Mortgage Loan Officer
NMLS #2562545
Eileen Roberts
Eileen Roberts
Mortgage Loan Officer
NMLS #2305516
Jillian Rodriguez
Jillian Rodriguez
Mortgage Loan Officer
NMLS #2557467
Justin Rogers
Justin Rogers
Mortgage Loan Officer
NMLS #2515752
Quinton Rushi Brown
Quinton Rushi Brown
Mortgage Loan Officer
NMLS #2526986
Derek Sanchez
Derek Sanchez
Mortgage Loan Officer
NMLS #2267234
Marquelon Sigler
Marquelon Sigler
Mortgage Loan Officer
NMLS #2089743
Juan Sills
Juan Sills
Mortgage Loan Officer
NMLS #2423567
Gopinath Sivanathan
Gopinath Sivanathan
Mortgage Loan Officer
NMLS #2553981
Benjamin Smith
Benjamin Smith
Mortgage Loan Officer
NMLS #1972740
Shaun Smith
Shaun Smith
Mortgage Loan Officer
NMLS #1886137
Travis Smith
Travis Smith
Mortgage Loan Officer
NMLS #2241231
Tykia Stokes
Tykia Stokes
Mortgage Loan Officer
NMLS #2007342
Keyotta Stroud
Keyotta Stroud
Mortgage Loan Officer
NMLS #2091096
Natalie Tran
Natalie Tran
Mortgage Loan Officer
NMLS #2496386
Kevin VanConant
Kevin VanConant
Mortgage Loan Officer
NMLS #2097685
Md Wali Ullah
Md Wali Ullah
Mortgage Loan Officer
NMLS #2519090
Robin Walker
Robin Walker
Mortgage Loan Officer
NMLS #2244109
Jingyu Wang
Jingyu Wang
Mortgage Loan Officer
NMLS #2547714
Tamera Whitson
Tamera Whitson
Mortgage Loan Officer
NMLS #2179484
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
Michelle Young
Michelle Young
Mortgage Loan Officer
NMLS #2540687
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.