Pets are more than companions. For many of us, they are part of the family — there through quiet mornings, busy days, celebrations, and even some of life’s most difficult moments.Whether
As your mortgage loan officer, I am looking forward to helping you through your home loan journey. Whether you’re ready to buy, sell, refinance, or are just thinking about making a change, I’m here for you. I’ve been a mortgage professional for several years which has helped me see and understand the many facets of mortgage lending. Each home journey is unique, and I’ll help you find a great rate for your financial situation.
John Noldan is a mortgage professional with 20+ years of experience in the industry. While he graduated from Benedictine University with a degree in political science, he found his calling when he entered finance and the mortgage business. He enjoys helping people navigate important financial decisions and loves helping them achieve the dream of home ownership. Throughout his years of experience, John has made a name for himself as one of the best in the industry. He was voted Best in the Business in 2015 by IMBA. In the past 6 years he has done over $125 million each year, over 80 percent of which was home purchase business. He has been in the Top 50 in the Scotsman Guide Top Purchase Volume since 2015. John has been a member of the President’s Club at Guaranteed Rate for the past 11 years and joined the ranks of the prestigious Chairman’s Circle in 2015 - 2021.
Kyle Hensley believes in the value of home ownership and understands the importance of finding the right loan to achieve your goals. With a deep understanding of the many loan programs Mutual of Omaha Mortgage offers, Kyle works closely to understand each client's needs, and find mortgage solutions to best fit their financial goals.
Throughout the borrowing process you can count on Kyle to be a trusted guide through the loan process and ensure that your loan is completed thoroughly, accurately, and on time. Kyle Hensley is backed by a dedicated team of operational experts and state-of-the-art technology designed to make the loan process easy and efficient.
Whether you’re looking to purchase, refinance, or take out a home equity loan, Kyle Hensley will be happy to talk with you about your current needs, and your long-range goals in order to find a financing program that works best for you. Contact Kyle today to get started.
I have had the pleasure of being a mortgage loan originator for over 10 years. I enjoy interacting with my clients and helping them learn all about the home loan process. While it can be a lot of information to absorb, I do my very best to break it down into bite-sized pieces. This way you can feel comfortable as you are able to make informed decisions along the way. I work with all types of buyers, but I pride myself on working with first-time home buyers as I really enjoy helping them understand everything. There are a lot of moving pieces, but with the right team, it can make it a much more pleasurable experience. I look forward to working with you.
I’ve been in the mortgage industry for over 25 years, but my path here was anything but traditional. I started my career as a professional wrestler in Dallas before moving into radio as a nationally syndicated talk show host covering sports and pop culture. It was during my time hosting a mortgage radio segment that I was offered an opportunity to enter the mortgage business—and I took the leap.
Today, I serve as both a Loan Officer and Loan Counselor, with a passion for helping people navigate one of the biggest financial decisions of their lives. Whether you’re buying your first home, refinancing to lower your monthly payment, or looking to tap into your home equity, my goal is simple: make the mortgage process as smooth, honest, and rewarding as possible.
I’m proud to be part of Success Lending, in partnership with eXp Realty, which allows me to serve clients across more than 30 states.
I’m based in Lewisville, Texas, and when I’m not helping clients, you’ll probably find me doing something that keeps life interesting. I take my custom Star Wars-themed Dodge Chargers to local car shows and use them to support charitable causes. I also volunteer as a mobile DJ, a graphic artist, follow just about every sport imaginable, and consider myself a BBQ enthusiast who is still very much in training!
And yes, I’m a serious Star Wars collector.
Most importantly, I’m a family man. My wife and I have three amazing kids. One is a Doctor, another is a Percussion Director, and the third is a volleyball coach! We also share our home with four lovable rescue pups: Kona, Kahlua, Athena, and Zeus
At the end of the day, I love what I do because I get to help people accomplish something meaningful. If you’re looking to purchase a home, refinance, or explore your financing options, I’d be honored to be your mortgage resource and help you every step of the way.
I am currently licensed in the following states: AL, AZ, AR, CA, CO, CT, FL, GA, IL, IN, IA, KS, KY, MD, MI, MN, NH, NJ, NM, NC, OH, OK, OR, PA, RI, SD, TN, TX, VA, and WA
As a mortgage powerhouse who works hard for her clients and celebrates with them as well, Tammy Hajjar Miller provides home loans across all 50 states for primary, second, and investment properties helping over 2,000 clients thus far in her career!
Where did this passion for homeownership come from? Born in South Korea, her mom immigrated them to Chicago in 1976, owning a variety of small businesses from Pilsen up to Lincoln Square. Within 3 years, her mother bought her first multi-unit building and Tammy continues to be inspired by her mother’s perseverance and strong work ethic to maximize her personal impact. Starting a family younger than expected, Tammy decided to keep her higher education studies local and graduated from DePaul University Business School with an Accounting/Finance degree.
Enjoying both numbers and people, Tammy found the mortgage business to be the perfect marriage of the two! She has built a team that pushes the status quo on homeownership to an exciting and fresh new take. Generations continue to evolve, along with incredible advances in technology, but Team Tammy keeps their focus on financial education and a 1st class client experience. All of this allows for a clear process, timely communications and even some FUN! As a daughter, mother, wife, influencer, and friend, she continues to focus on improving daily, both personally and professionally. But it would all be in vain if it wasn’t for Bernie, her AWESOME husband, and their INCREDIBLE blended family – Cheyenne, Isabel, Henry, Nicholas, Harrison, and goldendoodle, Bentley.
Ultimately, she is here to live her motto: “Have Fun, Make Money, Make a Difference!”
Carl Melby is a Senior Mortgage Banker at First Centennial Mortgage, with over 30 years of experience in the mortgage industry. He makes a point to put his client’s first, believes in strong ethics and is committed to high standards and education. Carl is passionate about the mortgage industry and displays his knowledge and expertise through his actions. He makes a point to really listen to his clients and asks questions about their expectations for their ideal home, the amount of payment they can afford, and what is important to them for their future. Knowing these details helps Carl to find the right loan program to fit their needs. He offers VA, USDA, first-time homebuyer down payment assistance programs, and renovation loans, but considers himself an expert in conventional, Jumbo and FHA. Outside of work, Carl is actively involved in his community. He and his wife have been married for almost 40 years and have three children and grandchildren. He enjoys golfing, antique cars and traveling. Call Carl to begin your home financing journey! Licensed In: FL: LO32724 | IL:031.0027194 First Centennial Mortgage Equal Housing Opportunity Comp. NMLS# 132763
As a 32-year mortgage professional, I am passionate about helping individuals and families achieve their dreams of homeownership. With a deep understanding of the mortgage industry and a dedication to exceptional customer service, I have built a successful career helping clients navigate the complex and ever-changing landscape of home financing.
My expertise includes a wide range of mortgage products, including conventional, FHA, VA, and jumbo loans. I have a proven track record of guiding clients through every step of the mortgage process, from pre-approval to closing, with a focus on transparency and clear communication.
In addition to my extensive industry knowledge, I pride myself on my ability to build strong relationships with clients and industry partners alike. Whether you are a first-time homebuyer or a seasoned investor, I am committed to providing the personalized attention and guidance you need to make informed decisions and achieve your goals.
If you're looking for a mortgage professional who is passionate, knowledgeable, and committed to your success, I invite you to connect with me. Let's work together to make homeownership dreams a reality.
With having over 30 years of mortgage lending experience, I have seen many different sides to this business always staying focused on my client’s needs and looking out for their best interest. I use a combination of professional advice and personal service to guide them through the loan process. I offer a full-service system from start to finish and always available to answer questions. I can hold their hand taking the application over the phone or they can use the online automated system, either way the goal is to make the process go as smooth as possible for everyone. I also work alongside with other professionals (Financial Planners/CPA’s/Attorneys) to structure the optimal mortgage to achieve a clients’ financial goals. A mortgage can be a cornerstone to a strong financial portfolio. Buying or refinancing a home is generally one of the largest financial investments a client may ever make.
I understand how important communication is with the client and all parties to a transaction, keeping everyone informed is a key to a smooth transaction and building trust for repeat and referral business. If you or someone you know would like to have a great lending experience give me a call or email. I look forward to the opportunity.
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T- Trust
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I- Integrity
P- Personal
P- Professional
I was raised in the Beverly neighborhood of Chicago where I currently reside with my wife and two children. I attended Mt. Carmel High School and graduated from St. Mary’s College in Winona, MN in 1996. I spent a few post college years in the St. Paul/Minneapolis area working for a finance company before settling back in Chicago. In 2000 I began working at Corby Mortgage as a residential loan officer, shortly after become sales manager, and in 2006 promoted to Chief Operating Officer. I have played a key role in the growth and development of Corby Mortgage, but my main focus has always been working directly with real estate agents, home buyers, and home owners looking to secure the best residential mortgage solutions. So many loan officers have failed or are out of business these days. The key to my success has been simple. I return my phone calls promptly, I offer extremely competitive rates and fees, I am available to meet with my clients in person at their home or office, and I get my clients to the closing table on time. I appreciate my network of referral partners as 100% of business comes from real estate agents and home owners I have helped throughout the years.
As a mortgage powerhouse who works hard for her clients and celebrates with them as well, Tammy Hajjar Miller provides home loans across all 50 states for primary, second, and investment properties helping over 2,000 clients thus far in her career!
Where did this passion for homeownership come from? Born in South Korea, her mom immigrated them to Chicago in 1976, owning a variety of small businesses from Pilsen up to Lincoln Square. Within 3 years, her mother bought her first multi-unit building and Tammy continues to be inspired by her mother’s perseverance and strong work ethic to maximize her personal impact. Starting a family younger than expected, Tammy decided to keep her higher education studies local and graduated from DePaul University Business School with an Accounting/Finance degree.
Enjoying both numbers and people, Tammy found the mortgage business to be the perfect marriage of the two! She has built a team that pushes the status quo on homeownership to an exciting and fresh new take. Generations continue to evolve, along with incredible advances in technology, but Team Tammy keeps their focus on financial education and a 1st class client experience. All of this allows for a clear process, timely communications and even some FUN! As a daughter, mother, wife, influencer, and friend, she continues to focus on improving daily, both personally and professionally. But it would all be in vain if it wasn’t for Bernie, her AWESOME husband, and their INCREDIBLE blended family – Cheyenne, Isabel, Henry, Nicholas, Harrison, and goldendoodle, Bentley.
Ultimately, she is here to live her motto: “Have Fun, Make Money, Make a Difference!”
Hello, my name is Tracy Berdelle and I have been in the mortgage industry for 16 years. I have loved being a part of this industry as I get to work closely with homebuyers. My favorite part of working with them is having the ability to help people buy their homes. It's typically the most important purchased of your life and I love to be a part of it and helping people smoothly through the process. I work hard to get the job done for my clients as effectively as possible by getting things done on time as well as communicating clearly and often. I want my clients to know that I will be prompt, communicative and on time with deadlines as they come up.
My start in mortgages started with the President of Success Lending, Shaun Patrickus. He gave me the opportunity to join this industry in 2005 and I've really found it exciting and rewarding. Also, for 6 years, I did have experience in real estate as I worked as a paralegal for top residential real estate firm Fogarty & Fugate. I feel that having the understanding of the real estate and mortgage side of the business has been really beneficial to my work and to my clients. In addition, I am also able to speak Spanish and work with Spanish speaking clients.
A little about me, when I have free weekends, I love to spend my time with my friends and family as well as riding my horse Toast. I also love to ski, and travel. My favorite places to travel are the mountains and the beach. Other interests of mine involve sports and I am a big fan of the Chicago Blackhawks. Lastly, I am a proud pet owner. I have 4 pets total, 2 dogs - Tux and Bu, Toast (as I mentioned earlier), and my giant goldfish Goldie.
I hope to have the opportunity to work with you and help you on your way to homeownership. I am licensed in TX, IL, MI, CO, and WI. Contact me today to get started.
Max Saladino is a residential Loan Officer with OnTime Mortgage and was born and then raised in several of the suburbs surrounding the Chicagoland area. After graduating from Illinois State University in May of 2011, Max went straight to work in the mortgage industry and has functioned in many different capacities throughout his career. As a Loan Officer, borrower education is a key pillar to Max’s approach when interacting with customers and he strives to provide each scenario the personalized attention it deserves from application to closing. When not crunching the numbers to assist in getting a contract accepted, you will likely find him in the woods riding his mountain bike or helping his wife take care of their incredibly needy, but thoroughly loved dog, Cece.
Hello, my name is Matt Lake and I live in Canton, GA, which is about 45 minutes north of Atlanta. I started in the mortgage business in 2000 and have closed thousands of loans over the last 2 decades. My experience and expertise allow me to simplify a complex process, explain guidelines thoroughly and structure to close all types of mortgages. One of my goals with every client is to guide them through the process as easily and stress-free as possible. I know the importance of finding a dream home and I believe that a home is one of the foundation blocks for a family. Buying or refinancing a home is an important step for a person or family and I love that I can be a small part to make that a reality.
My family, which includes my wife of 20 years and two teenage boys, loves to camp and explore the country in our RV. I am a Head Coach for the local Georgia Cycling Mountain Bike Team and have coached numerous other youth sports over the years. I am a coffee fanatic and enjoy volunteering in my local community as a motivational speaker. I have had the privilege of being featured at student retreats, fundraisers, FCA gatherings, school functions, and numerous other events.
As a dedicated Mortgage Loan Officer, my professional goal is to provide specialized services and top level customer service to each and every one of my clients. Whether you’re looking to buy your first home or invest in a property, I work closely with clients to help them understand their options and guide them toward finding a loan that meets their needs.
Rick Nelsen is an accomplished mortgage loan officer with Success Lending, boasting 25 years of extensive experience across multiple states, including North Carolina, South Carolina, Georgia, Tennessee, Kentucky, Florida, Illinois, Indiana, and California. Originally from Chicago, Rick now calls Wake Forest, NC home, where he lives with his wife.
Rick’s deep expertise spans a wide range of mortgage products, ensuring that he can meet the diverse needs of his clients. Known for his unwavering availability and commitment, Rick is dedicated to supporting both realtors and clients throughout the loan process. A passionate sports fan, Rick balances his professional life with a strong family focus, reflecting his dedication both on and off the field.
With over 10 years in real estate working with home buyers and sellers first as a realtor and now as a mortgage lender, I understand their needs and how a mortgage lender can provide real value. Through education, listening, attention to detail and making sure I am well versed on financing tools, I can confidently guide my clients to success and on a path to increasing their net worth. My job is more of a mission to serve and is driven by my desire to help my clients through one of the biggest and most important decisions of their lives.
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Trust eXp Realty and our team of real estate agents to help you find homes for sale or to sell your current home. We recognize the level of service that the mobile consumer demands. You have information. You have dreams. We possess experience, integrity, and innovation. Together we create leverage to make your dreams a reality.
Pets are more than companions. For many of us, they are part of the family — there through quiet mornings, busy days, celebrations, and even some of life’s most difficult moments.Whether
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Fall is here, whether the temperatures outside are cooperating or not! The days get shorter, the sleeves get longer, and our favorite drinks tend to get a little warmer.A change of season is also a