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Licensed State: California

  • Ray Young

    NMLS984961

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    Company NMLS1248883

    Direct586-899-2051

    EmailRay.Young@themortgageexchange.com

    Licensed in

    CaliforniaFloridaGeorgiaIllinoisIndianaKentuckyMichiganOhioPennsylvania

    Get started with Ray

    About Ray

    Real estate investing can be rewarding, and financing should not be the thing standing between an investor and the next deal. Raymond has been helping borrowers through the mortgage process since 2012, and his specialty is investors, both first-time and experienced, buying properties they intend to renovate and hold as rentals.

    Investment properties do not always fit neatly inside conventional guidelines. That is why Raymond works heavily in alternative financing, including hard money and Debt Service Coverage Ratio loans, which give investors flexibility on properties that need work or that a traditional program will not touch.

    Whether it is a first investment property, funding for the next renovation, or expanding a portfolio that already exists, he takes a strategy-first approach. He wants to understand the property, the investment plan and the objective before talking about structure, because the financing should be built around the deal rather than the other way around.

    If you have a property in mind, he is the person to talk to about how to finance it.

  • Andrew Trella

    NMLS1183482

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    Company NMLS1248883

    Direct310-227-6564

    EmailAndrew@themortgageexchange.com

    OfficeChesterton, IN

    Licensed in

    CaliforniaIllinoisIndiana

    Get started with Andrew

    About Andrew

    Andrew Trella graduated from Purdue with an Electrical and Computer Engineering degree; then, he started his career as a Systems Engineer for government projects in the public safety sector.

    In 2002, Andrew followed his passion for finance and the mortgage industry. Andrew has owned mortgage and real estate companies and served as an office manager. Today, Andrew enjoys being a Mortgage Loan Originator for The Mortgage Exchange in the Chesterton, Indiana branch.

    Andrew specializes in Conventional, FHA, NonQM, VA, and USDA home loans and refinances. He has extensive credit repair and financial planning knowledge and loves to sit with his clients to discuss what best fits their needs.

  • Eric Van Swol

    NMLS1531612

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    Company NMLS1248883

    Direct616-481-6894

    EmailEric.VanSwol@themortgageexchange.com

    Licensed in

    ArizonaCaliforniaColoradoIndianaMichiganTennesseeTexas

    Get started with Eric

    About Eric

    Eric Van Swol is early in his mortgage career and has the drive to match the ambition. Championship trophies and gold medals do not tend to be handed out in the mortgage industry, but the hunger to compete is there, and it goes into the work he does for prospective and current clients alike.

    He graduated from Hope College with a B.A. in History and Communication, along with Spanish, which he speaks fluently. Forever a Dutchman in more ways than one, he likes sports almost as much as he likes competing and sports metaphors.

    Born and raised in Grand Rapids, he knows the area well and has traveled extensively across Michigan, which in his not-so-humble opinion is comfortably a top five state. Contact him to find out what the rest of the list looks like.

  • Braydin Mehnert

    Braydin Mehnert

    NMLS1728356

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    Company NMLS1248883

    Direct303-883-7466

    EmailBraydin.Mehnert@themortgageexchange.com

    Licensed in

    ArizonaCaliforniaColoradoFloridaGeorgiaMichiganNorth CarolinaOhioPennsylvaniaTennesseeTexas

    Get started with Braydin

    About Braydin

    Braydin built his foundation at a small community bank, where lending was relationship-driven and every file had a person attached to it. He later helped scale a mortgage startup through a period of rapid growth, which taught him how complex transactions actually get managed at volume rather than in theory.

    Today he works with homeowners and real estate investors, and his focus is deal structure. The files that come to him tend to be the ones that did not fit somewhere else, and structuring those is the part of the job he enjoys most.

    He is licensed across eleven states, which is a wide footprint for one officer and reflects how much of his business travels with the client rather than the market.

  • Kat Miller

    NMLS137532

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    Company NMLS1248883

    Direct419-787-7774

    Emailkatloans@mortgagex.com

    Licensed in

    CaliforniaFloridaGeorgiaIndianaKentuckyNorth CarolinaOhioTennessee

    Get started with Kat

    About Kat

    After graduating from the University of Cincinnati, Kat began her career as a loan officer at a local mortgage company. Nearly twenty years later she is licensed in California, Ohio, Kentucky, Indiana, Tennessee, North Carolina, Georgia and Florida, and has been a Presidents Club producer every year since 2008.

    Kat focuses on helping people find the right solution for their home buying or refinancing goals. She works with all the traditional programs, including conventional, FHA, VA, USDA and jumbo, and also specializes in financing for self-employed borrowers, business owners and real estate investors through bank statement, P&L, asset depletion and DSCR programs.

    Borrowers who have been told no elsewhere are often the ones she can help most, whether their tax returns do not reflect what they actually earn or the property did not fit a standard box. A mortgage is the biggest financial decision most people ever make, and she treats it that way.

  • Daniel Lawton

    Daniel Lawton

    NMLS1184452

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    Company NMLS1248883

    Direct815-603-4545

    EmailDan.lawton@themortgageexchange.com

    Licensed in

    CaliforniaColoradoFloridaIllinoisIndianaKentuckyMichiganNew JerseyTennesseeTexasWisconsin

    Get started with Daniel

    About Daniel

    Daniel wrote his first mortgage in March of 2014. He lives in Will County and serves the southwest suburbs of Chicago along with counties from south of the city to north of it.

    Conventional purchase loans are his highest volume, but a growing share of his work is non-QM for self-employed business owners and investment financing, particularly for buyers moving into short-term rentals.

    His best work is with self-employed borrowers, especially the ones who are stuck at a bank or a standard lender that cannot make the income work. He has rescued more of those files than any other kind.

    On rate, his answer is simple. He does not create the rate environment. His job is to help each client navigate the market and structure the financing around what they need. He will also, given the opening, brag about how fast the in-house team closes.

    Daniel has coached hundreds of kids in his local school district over the past several years. He is part of the Plainfield Lions and belongs to a networking group that gives back to local families and businesses.