Meet the team

Our Expert Team

Brenna M. Carles
CEO and Co-Founder

NMLS 1594372

Brenna M. Carles

  1. What is your favorite food? Pizza! Is there any other answer?
  2. If you could have a superpower, what would it be and why? Animal Whisperer! Because I absolutely love animals and would love to know what they think and could help them with what they needed!
  3. Where was the best vacation you ever took and why? I would have to say the weeklong cruise my husband and I took, as we got to explore multiple different countries, cultures, and of course, food!
  4. What are your hobbies? Singing, trying different pizzas, exercise and fitness, and being at the beach as much as possible.

Avery Carl
Co-Founder

Avery Carl

  1. What is your favorite food? A grouper sandwich!
  2. If you could have a superpower, what would it be and why? Invisibility because I could be a fly on the wall anywhere I wanted.
  3. Where was the best vacation you ever took and why? Probably to Tulsum for my 30th birthday. It was just awesome!
  4. What are your hobbies? Hanging out with my kids and reading true crime books and documentaries.

Ellie Mae
TMS Mascot

Ellie Mae

  1. What is your favorite food? Chicken!! Or anything else I can get my paws on that’s not kibble.
  2. If you could have a superpower, what would it be and why? Telekinesis because I could move any food off of Mom and Dad’s plate to my mouth any time I wanted and also..unlimited chicken!
  3. Where was the best vacation you ever took and why? I would have to say the out West trip we went on last year because most of the family was there and I got attention from everyone every day! I also got to see the Grand Canyon and met a few friends along the way!

Johnny Vang
Executive Vice President

NMLS 2214681
Ph: 763-213-7991

Johnny Vang

  1. What is your favorite food? Ribeye Steak. Nothing beats a summer grill out with a medium rare Ribeye steak and being around friends and family.
  2. If you could have a superpower, what would it be and why? Omnificence. This would allow me to help changes lives for the better.
  3. Where was the best vacation you ever took and why? The best vacations are to Florida. Tons of theme parks, beaches, sun and the best part is being with family.
  4. What are your hobbies? I work a large portion of my time because I enjoy what I do and know it changes lives for the better. When I do get time, I spend time with my wife and three children. We love food, walking in the parks and playing games.

Jen Blake
Loan Administrative Manager

Jen Blake

  1. What is your favorite food? Taco Salad
  2. If you could have a superpower, what would it be and why? My superpower would be mind control. I think that would come in handy being a mother.
  3. Where was the best vacation you ever took and why? The best vacation I took was my first vacation I took with my family when my kids were 9 months and 2 years old. We went to Miramar Beach, and it was fun being able to see the beach for the first time through my kids eyes.
  4. What are your hobbies? Spending time with my family

Kristy Carter
Human Resource Administrator

Kristy Carter

  1. What is your favorite food? Being from the south, I love a good “southern” meal that includes either collards or turnip greens. But, away from home, Mexican.
  2. If you could have a superpower, what would it be and why? The ability to heal. I hate to see anyone (human or animal) suffering.
  3. Where was the best vacation you ever took and why? Any vacation with my family. My family loves to travel and we have been to Mexico, Florida, Tennessee, the North Carolina mountains and beaches, Ohio, Virginia and Georgia.
  4. What are your hobbies? My family loves to travel and I love spending time with my friends, but my favorite thing to do is anything that involves my children. I have teenage twins. We are a soccer family. My son not only plays for the high school team, but he is part of an elite travel program who trains their players to eventually play on a collegiate and professional level. We get December and two weeks in the summer off from soccer games. Otherwise, we are at the soccer field every weekend.

Eric Napier
Mortgage Loan Originator

NMLS 1324694
Ph: 865-599-0352

Eric Napier

  1. What is your favorite food? This is tough! I am a foodie lol. I really love a good meal. I think my favorite would be steak and oysters in the end, so surf and turf. I also love a Thai dish called Khao Soi.
  2. If you could have a superpower, what would it be and why? I would love to be able to fly! Then I could go anywhere I wanted at any time.
  3. Where was the best vacation you ever took and why? My honeymoon to Antigua in summer of 2020. It looked like our trip to Jamaica was going to get cancelled as well as my wife’s passport not come in on time due to COVID. Miraculously we got the passport and also were rebooked to Antigua a week before the departure date! We were able to celebrate our honeymoon in paradise after having a wedding with our friends and family.
  4. What are your hobbies? I enjoy spending time with my wife Sarah and our dog, Lucy. We enjoy travelling, spending time with friends and family and outside activities like boating. I love sports and attending sporting events, particularly football and horse racing. I am a big fan of the Tennessee Volunteers for better or worse, lol.

Justin Harris
Mortgage Loan Originator

NMLS 2257681
Ph: 865-850-9226

Justin Harris

  1. What is your favorite food? Southern Cooking
  2. If you could have a superpower, what would it be and why? Super Strength – I have no patience in the gym.
  3. Where was the best vacation you ever took and why? Cruise- I have been on a couple cruises and they both rank very high, they are so easy.
  4. What are your hobbies? I enjoy being outdoors, DIY remodeling projects, Hiking, and traveling.

Angie Smith
Loan Processor

Angie Smith

  1. What is your favorite food? Chinese or Italian food
  2. If you could have a superpower, what would it be and why? Teleporting- I could go anywhere I wanted.
  3. Where was the best vacation you ever took and why? Lake of the Ozarks. It was the best vacation since I had my sister and her family with us when we went.
  4. What are your hobbies? Photography

Kaitlin Thornberg
Mortgage Loan Assistant

NMLS 2311107

Kaitlin Thornberg

  1. What is your favorite food? Chicken pot pie, nothing tastes better on a cold winter day!
  2. If you could have a superpower, what would it be and why? I would like to have the superpower to fly. It would save me a lot of money in airline tickets.
  3. Where was the best vacation you ever took and why? I was fortunate enough to visit Dubai in the United Arab Emirates. Dubai is a melting pot of people from many different cultures. I enjoyed being able to experience and meet many people from around the world. I also enjoyed snowboarding in a mall, riding a camel, and the gold souk (souk is another word for market). Dubai is also known for their fresh spices including cinnamon, which makes some of the best apple pies.
  4. What are your hobbies? My hobbies include horseback riding, camping, snowboarding, and traveling.

Lori Duran
Mortgage Loan Originator

NMLS 1281726
Ph: 626-354-7344

Lori Duran

  1. What is your favorite food? Favorite food is fresh Halibut
  2. If you could have a superpower, what would it be and why? My super power would be to be able to read people’s minds remotely. This way I could be of better service to others.
  3. Where was the best vacation you ever took and why? Hawaii has always been my favorite vacation location. I love the clear, clean water for snorkeling, I love the culture and the beauty of the islands.
  4. What are your hobbies? My hobbies revolve around family and especially my grandchildren.

Jenene Morgan
Loan Closer

Jenene Morgan

  1. What is your favorite food? My favorite food is soft chocolate chip cookies
  2. If you could have a superpower, what would it be and why? My superpower would be: the ability to read multiple books literally at the same time. Why? There are SO MANY books I want to read, and not enough time to read them!
  3. Where was the best vacation you ever took and why? Best vacation was Mazatlan, Mexico when I was 13. We basically lived on the beach for 7 days.
  4. What are your hobbies? My hobbies are reading, and bringing home too many books from the library and bookstore.

Zachary Casto
Mortgage Loan Assistant

NMLS 2299896

Zachary Casto

  1. What is your favorite food? Steak
  2. If you could have a superpower, what would it be and why? Time Travel
  3. Where was the best vacation you ever took and why? When I was ten my parents and I took our camper out west from South Carolina on a two week road trip. Montana was my favorite.
  4. What are your hobbies? Golf and fly fishing

Tiffany Boudreau
Loan Closer

Tiffany Boudreau

  1. What is your favorite food? Cubed steaks with gravy!
  2. If you could have a superpower, what would it be and why? Teleport (I hate traffic!)
  3. Where was the best vacation you ever took and why? Took a trip to Chicago in 2019 to watch the Cubs play at Wrigley Field! The experience was out of this world! I loved the big city, Chicago style pizza, and train rides to get through town. The BEST part was we WON the game!
  4. What are your hobbies? Watching Netflix and doing makeup!

Chase Lewis
Loan Processor

Chase Lewis

  1. What is your favorite food? Bean Burrito Or Pizza
  2. If you could have a superpower, what would it be and why? Invisibility. I’ll win every game of hide and seek
  3. Where was the best vacation you ever took and why? All (vacations), because you forget about time other than when you are heading home, but you also appreciate home more after the fact.
  4. What are your hobbies? Going to the Gym, Listening to Music, and Playing Video Games

Lloyd Moua
Mortgage Loan Originator

NMLS 1915259
Ph: 763-232-8036

Lloyd Moua

  1. What is your favorite food? Sushi
  2. If you could have a superpower, what would it be and why? To fly because I like superman
  3. Where was the best vacation you ever took and why? Portland Oregon because of scenery and trails for outdoors
  4. What are your hobbies? Enjoying reading self help books

Megan Winterberg
Mortgage Loan Originator

NMLS 2283024
Ph: 805-550-7419

Megan Winterberg

  1. What is your favorite food? Sandwiches
  2. If you could have a superpower, what would it be and why? Create joy and remove hate
  3. Where was the best vacation you ever took and why? Lake Tahoe, NV – Almost every summer our family goes here to camp, swim, hike, and enjoy the outdoors!
  4. What are your hobbies? Date nights with my husband, trying to keep up with my 5 and 2 year old, and hosting bbqs and theme parties for our friends and families

Jessica Avery
Loan Processor

Jessica Avery

  1. What is your favorite food? Southern style home cooking
  2. If you could have a superpower, what would it be and why? Flying; so I could see the world anytime
  3. Where was the best vacation you ever took and why? Charleston, South Carolina, because of the beach and the relaxed vibes of the town
  4. What are your hobbies? Crafting, weekend yard sales, being with family

Patrick Lazzarino
Vice President

NMLS 2155862
Ph: 601-600-0562

Patrick Lazzarino

  1. What is your favorite food? Milanese steak and Pasta
  2. If you could have a superpower, what would it be and why? Invisibility: I prefer to stay out of the spotlight
  3. Where was the best vacation you ever took and why? Phuket; The scuba diving and food were incredible
  4. What are your hobbies? Traveling, trivia, scuba diving, and pretty much anything else outdoors

Sharli Packard
Mortgage Loan Assistant

NMLS 2307760

Sharli Packard

  1. What is your favorite food? Chocolate
  2. If you could have a superpower, what would it be and why? If I could have a superpower it would be Strength, I want to be strong not just physically but mentally as well. “Wonder Woman” comes to mind, she is fierce in any battle that comes her way, firm in her conviction to help others, and her morality is clear as she is always making good decisions and putting others first. No one influences her negatively, she is always the one leading the way and being a good example but she is also a butt kicker and I openly love that about her. So in a nut shell if I could have her powers it would be awesome!
  3. Where was the best vacation you ever took and why? My best vacation is when I went to Hawaii with my husband for our tenth anniversary. It was so beautiful and it was nice to have some alone time away from the children, it was like a second honeymoon.
  4. What are your hobbies? My hobbies are horses, I have four horses and like to barrel race on them. I pay money to enter and compete on them and can win money if my time is fast enough.

Ray Mabilin
TMS Administrative Assistant

Ray Mabilin

  1. What is your favorite food? Burger & Pizza
  2. If you could have a superpower, what would it be and why? Jedi’s power from the Force. Because they focus on calmness and peace to channel their powers in the Force and I’m a peaceful person.
  3. Where was the best vacation you ever took and why? Every Beach Vacation simply because me and my family love the beach
  4. What are your hobbies? Basketball, Camping outdoors, snorkeling, Movies, Wakeboarding and eating

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