Licensed State: Ohio

  • 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.

  • Michael Wilson

    Michael Wilson

    About Michael

    For more than fifteen years Michael has helped individuals and families get to one of the larger milestones there is. He has built his business on trust, communication and consistency, and he holds himself to the same standard on every file rather than the ones that happen to be easy.

    Known to a lot of people as Magic Mike, his view is that every mortgage has a solution and the work is being willing to spend the time finding it. First-time buyers, creative financing for an unusual situation, a family moving into the house they intend to stay in — the reward is the same, and it is watching someone take the keys.

    His philosophy is that people come before transactions. He listens first, explains as he goes, and gives honest advice even when it is not what someone hoped to hear.

    Outside mortgages he is working toward becoming a scratch golfer. He is a family man with two fur babies: an English bulldog called Shark Tank and a two-hundred-and-fifty-pound house pig called Mr. Pickles. He is also a twin. He measures success by the relationships rather than the numbers.

  • Megan Vondielingen

    Megan Vondielingen

    About Megan

    Megan Vondielingen graduated from Purdue University with a Bachelor's in Psychology. Even though she has been a Mortgage Loan Officer since 2001, she laughs and says she would never have guessed how much her psychology degree has applied to residential lending! Megan is a numbers person and a problem solver, so being a Mortgage Loan Officer is the perfect fit for her! She loves educating her clients through the mortgage loan process and helping them realize how to achieve their goals. When she's not working, Megan loves being with her family. She's a dance and basketball mom who loves traveling and discovering new adventures everywhere!

  • John VanWinkle

    John VanWinkle

    NMLS1207813

    VerifyNMLS Consumer Access

    Company NMLS1248883

    Direct317-373-1020

    EmailJohn@themortgageexchange.com

    Licensed in

    IndianaOhio

    About John

    John VanWinkle has been in the mortgage industry since 2013. He grew up in Indianapolis, attending high school at Brebeuf Jesuit Preparatory School and college at Indiana University. John has a passion for helping his clients get into their new homes. He has a wide range of experience in the mortgage business, including expertise in Construction-To-Perm (CTP) lending, and is well known for working with clients who have credit-related issues. John works hard for his clients and strives to make the process as simple and smooth as possible. John is a licensed Mortgage Loan Officer in Florida, Indiana, and Ohio.

  • Megan Talpas

    Megan Talpas

    About Megan

    Megan Talpas loves being a Mortgage Loan Officer and thoroughly enjoys helping people with their mortgage needs. She knows there are many moving parts to the mortgage process and agrees it can be overwhelming. It's her ultimate goal to make sure everything is moving along and that it's stress-free for her clients. Megan truly believes customer service can make or break an experience; she prides herself on her service and her communication. When she's not working, she enjoys spending time with family and friends, including her husband and mortgage partner Chad, and their two kids.

  • 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.

  • Britney Saracino

    Britney Saracino

    About Britney

    Britney is a loan originator with a real interest in the person on the other side of the file. She came into mortgages from sales and, before that, the bridal industry — a background that sounds unrelated until you consider that both are about guiding someone calmly through one of the more stressful purchases of their life.

    She specializes in first-time buyers, investors, and loans that do not fit a standard box, and she is good at creative structure on complicated situations.

    Above all she wants to be a blessing to the people she works with, and she brings a sense of humor and a heart for service to every transaction.

  • 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.

  • Kristina Morales

    Kristina Morales

    About Kristina

    Kristina started in real estate in 2016 as a realtor and practiced in Texas, California and Ohio before moving into mortgage lending in 2023. She works all of Ohio with most of her business in Greater Cleveland, and does conventional, FHA, VA and DSCR loans. She speaks a little Spanish.

    She is at her best with first time buyers, with senior citizens, and with investors. She also takes on borrowers whose credit scores are too low today, because she stays in touch and keeps being a resource while the credit comes up, rather than closing the file and moving on.

    She holds a B.A. in Business Management and an MBA concentrated in banking and finance. What she likes most is the teaching part, getting a client fully prepared for the process and for owning the house once they have it.