Licensed State: Florida

  • Ray Young

    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.

  • Nisha Yadav

    Nisha Yadav

    About Nisha

    Nisha Yadav has a Master of Business Administration in Finance and a Master's Degree in Chemistry. Nisha now serves as the Director of Operations at The Mortgage Exchange and is a licensed Mortgage Loan Officer in Indiana and Illinois.

  • Kevin White

    Kevin White

    About Kevin

    Kevin White was born and raised in Chicago, IL. He is a local professional and has a vested interest in seeing his community prosper and flourish. Kevin's background for the past 20 years has been working at the Chicago Board of Trade and trading interest rate products, which have helped him succeed in the mortgage industry as a mortgage loan officer. Kevin's market knowledge helps his clients find the loan program that puts their family in a strong position. Kevin prides himself on providing excellent service and smooth transactions for all his clients and business partners.

  • Chris Taube

    Chris Taube

    About Chris

    Chris Taube is a Mortgage Loan Officer who aims to help consumers decide which mortgage loan products best fit their needs and future financial goals. He advises clients on translating their financial picture into meeting mortgage loan guidelines so that loan approval is an attainable goal instead of an impossibility. By aligning with your goals and tailoring the loan process to your needs, Chris can deliver a personalized experience for every residential mortgage loan situation. If you want to purchase or refinance your home loan in Florida, Illinois, Indiana, or Michigan, give Chris a call!

  • Chad Talpas

    Chad Talpas

    NMLS564051

    VerifyNMLS Consumer Access

    Company NMLS1248883

    Direct812-870-6316

    Emailchad@themortgageexchange.com

    Licensed in

    FloridaIndiana

    About Chad

    Chad Talpas has been in the mortgage industry for 12 years, completing various roles such as branch manager, loan officer, and his current position of Vice President for The Mortgage Exchange at the Indianapolis branch. Chad leads multiple sales and service teams for The Mortgage Exchange while also doing some originating with his wife, Megan. Yes, a husband and wife mortgage team may seem crazy, but in the current housing market it has proven to be effective in helping clients close quickly with attentive service. Chad completed his Economics degree at Indiana State. Chad enjoys playing golf and spending time with family in his free time. If you want to purchase or refinance a home in Florida or Indiana, call Chad!

  • Terri Schmidt

    Terri Schmidt

    About Terri

    Terri Schmidt provides her clients attentive service and works to match them with the loan program that fits. She prides herself on her communication skills, dependability, and accessibility. When working with Terri, whether a purchase or a refinance, you are working with a highly skilled professional who strives for excellent customer service. Terri began her career in the savings & loan business and then went to a small community bank, where she established the entire secondary mortgage department, which proved to be a great asset. Terri and her husband met in the 5th-grade band and have enjoyed a blessed relationship surrounded by friends and family. Give Terri a call if you want to purchase or refinance a home in Indiana, Illinois, or Florida.

  • Gwen Sanger

    Gwen Sanger

    About Gwen

    Gwen has been originating since 2005. Before that she spent eighteen years with a healthcare insurance company.

    She is licensed in eleven states: Colorado, Kentucky, Ohio, North Carolina, Indiana, Florida, Tennessee, Georgia, Texas, Missouri and Michigan. She has experience across conventional, VA, FHA and home equity lines, and specializes in DSCR investment loans.

    What she enjoys most is the challenged borrower, the person who has already heard no somewhere else or believes their situation is too complicated to solve. She does not judge a file on one piece of the financial picture. She wants the whole story, what got someone where they are and what they are trying to accomplish, and then she will dig through every avenue she can find. Difficult files do not bother her, and giving up while a solution might still exist does.

    The question she hears most is what the best rate is. Her answer is that it depends on what you are trying to accomplish, because the lowest number is not always the best deal once you account for how long you intend to keep the loan and what the structure costs you overall. Once she understands the bigger picture she can lay the options side by side.

    Gwen is a native Coloradan who grew up on a ranch, which is where the appreciation for hard work and treating people right comes from. She has been married to her husband for fifty years. They have one daughter and a Corgi who keeps them entertained. They have served as 4-H leaders, and these days they spend their time with friends, bowling and playing cards.

    She wants borrowers to know she does not take anyone's business for granted. The goal is not just approval. It is earning the trust and staying alongside the client all the way to the closing table.

  • Michael Piccola

    Michael Piccola

    About Michael

    Michael earned his B.A. from Northern Kentucky University and started in lending in 2013 on the direct sales side, where the point was to learn how the industry actually worked. He moved off retail and onto a mortgage lending team in 2017, and in June 2022 he opened his own branch in Cincinnati with The Mortgage Exchange.

    That progression — sales floor, lending team, running a branch — means he has seen a file from every side of it.

    Outside work he is with his wife and two daughters. He golfs and watches sport when the family calendar allows.

  • Kat Miller

    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.

  • Braydin Mehnert

    Braydin Mehnert

    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.