Licensed in
Licensed State: Florida
-
Kelly Ellrich
Licensed in
About Kelly
Kelly Ellrich is a Mortgage Loan Officer based in Chesterton, IN. She graduated from Purdue with a Bachelor's Degree in Communications. She never dreamed of ending up in the mortgage industry, but she is glad she did.
Kelly takes pride in that, for the last 25 years, she has been able to help her client's homeownership dreams come true; she loves to see and hear her client's excitement on closing day!
When Kelly isn't working, which is never because she takes her work on the road, she loves spending time with family and friends, traveling for her kid's sports, and vacationing anywhere tropical!
-
Jay Devereaux
NMLS2726984
VerifyNMLS Consumer Access
Company NMLS1248883
Direct219-405-5318
EmailJay.Devereaux@themortgageexchange.com
OfficeChesterton, IN
Licensed in
-
Jesse Alvarez
Licensed in
About Jesse
Jesse Alvarez grew up near the south side of Chicago and began his career in interest rates working in the Bond Room of the Chicago Board of Trade. Jesse became an exchange member and began trading Fed Fund futures on the trading floor. Eventually, he became one of the largest Fed Fund traders at the Chicago Board of Trade. He spent 15 years trading treasuries and learning everything interest rate related. After retiring from trading, Jesse became a Mortgage Loan Officer. His background in trading interest rates, business ownership, and real estate investment helps him educate his clients in the mortgage and real estate industry. Jesse moved from Chicago to Tennessee and enjoys spending time with his family on their farm in Nolensville.
-
James Canfield
Licensed in
About James
James served as a Sergeant in the United States Marine Corps, where he was Fiscal Chief, Funeral Detail Platoon Leader, and NCOIC for Supply and Logistics. He has been originating since 2015.
He is licensed nationwide. Most of his volume is DSCR and hard money for real estate investors, along with conventional, VA and FHA lending in the states where he holds a license.
For two years he worked as a solution consultant, which meant taking on the loans other people could not structure and finding a way to close them. That is still how he prefers to work. He does not want anyone reading this page to assume he handles only a narrow set of scenarios, because the difficult files are the ones he took the job for.
-
Keri Bernardi
Licensed in
About Keri
Keri has been writing mortgages full time since 2011. Before that she was a consumer loan officer handling auto loans, home equity lines and personal loans, which turns out to be useful background for a borrower whose credit needs work before a mortgage is realistic.
She works Colorado Springs, Denver and Pueblo in Colorado, and Pinellas County, Tampa, St. Petersburg, Sarasota and Naples in Florida. Most of her volume is VA and FHA, along with DSCR loans for investors and bank statement loans for the self-employed.
The files she is best on are the ones that arrive damaged. Credit repair, credit counseling, first-time buyers who have been told no, and self-employed borrowers whose tax returns understate what they actually earn. This year she has taken on four loans another lender had already declined and closed them.
The question she gets most is what rate she can get someone. Her answer is that she will not throw out a number that looks good and does not reflect the actual file. What you are offered depends on your credit profile, the loan type, the property, and whether you choose to pay points, and she would rather take a few details first and then show you the real options and what each one means over the life of the loan.
Keri was born in Ohio, spent thirty years in Colorado and now splits her time between Colorado and Florida. She has a husband, two daughters and four pets, she runs, she travels, and she volunteers at the humane society walking dogs. She has served on the board of the Colorado Springs Fire Foundation for the past five years.
Her own account of what makes her different is that she leads with her heart. Plenty of loan officers say that. She would rather demonstrate it through transparency, communication and honesty.
-
Stacey Ballog
Licensed in
About Stacey
Stacey has been writing mortgages since 2013 and has been in financial services since 2000. Before mortgages she was a financial advisor with Prudential Financial and manager of financial services for Western and Southern.
She is licensed in Indiana and Florida. Her primary focus is Porter, Lake and LaPorte counties in Indiana, and southwest Florida including Lee, Hillsborough and Collier counties.
The loans she gravitates toward are VA, conventional, the physician loan program, and first-time buyers. Her real specialty is the one-off file, the borrower who needs a bank statement program or something outside the standard box, where the work is researching the available programs until she finds the one that actually fits.
The question she hears most is why she asks for so many documents before issuing a pre-approval. Her answer is that a pre-approval based on verified documents is worth something and one based on what a borrower typed into an application is not. It makes the offer stronger and it keeps surprises out of underwriting.
Stacey is from Valparaiso, Indiana and also lives in Fort Myers, Florida. She boats, spends time at the beach, travels, and is usually with her grandkids, family and friends. She is at the closing table for her borrowers, and she treats communication and accessibility as part of the job rather than a courtesy.
-
Adam Gunn
Licensed in
FloridaGeorgiaIllinoisIndianaKentuckyOhioSouth DakotaWisconsin
About Adam
Adam has spent more than fifteen years in banking and mortgage lending, most of it in senior roles. He came up through the bank side before moving into mortgages, which gives him a wider view of a borrower's finances than the loan file alone shows.
He leads as well as originates, and he is at his most useful on files that need someone to keep several moving parts in order at once.