Licensed State: Missouri

  • David Smith

    David Smith

    About David

    As a mortgage professional with several years of experience, David Smith's passion is finding financing solutions for all his clients. He has extensive knowledge and experience in the financial services industry. He believes in assessing his clients individually, which is why he focuses on a client's entire financial situation. David's background in Financial Planning allows him to look beyond just providing a mortgage and offer additional financial recommendations in finding a financing solution. If you want to purchase or refinance a home, give David a call, he will take care of you!

  • 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.

  • Daniel Fowler

    Daniel Fowler

    About Daniel

    Dan and his partner James Metcalf started The Mortgage Exchange in 2014. It has grown into a lender serving borrowers across twenty-two states.

    He has stayed close to the work rather than retreating into the org chart. Dan stands behind his company and his people, and he is reachable on his mobile if something needs solving or someone needs help.