Thank you for considering me to guide you through your home buying journey! At Certainty, we pride ourselves on providing the best customer service and exceeding your expectations of the mortgage process at every turn. From a complimentary pre-qualification through an on-time closing, I will be here to ensure confidence every step of the way.



Helping people realize the dream of homeownership is my passion. My experience and knowledge of the industry allows me to tailor each loan to meet the specific needs of each individual. Everyone's story is different, so no one loan will meet everyone's needs. My job is to find that perfect fit.



Buying a home can be one of the most important investments that we make. I am dedicated to making the process a positive and rewarding experience for you, and I welcome the opportunity to earn your business and your trust. Take the next step toward financing your home by clicking the "Apply Now" button now! You can also give me a call or send me an email to schedule some time to chat. I look forward to helping you finance your home.

AVP of Mortgage Lending

Harris DuPre is your Kennesaw local lender. As a loan officer at Certainty Home Lending, Harris is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Harris at (470) 231-0828 for more information!

Harris DuPre at Certainty Home Lending (NMLS #1986295)

Producing Regional Manager

Fernando Perez is your Kennesaw local lender. As a loan officer at Certainty Home Lending, Fernando is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Fernando at (770) 628-1572 for more information!

Fernando Perez at Certainty Home Lending (NMLS #285337)

Thank you for considering me to guide you through your home buying journey! I'm JT, a dedicated Mortgage Loan Officer at Certainty Home Lending, licensed in both Florida and Georgia.


A bit about me: I was born and raised in Marietta, Georgia, and attended McEachern High School before earning my Bachelor's degree in Finance from Georgia Southern University. Now, I live in Kennesaw with my amazing wife and our four wonderful children who bring so much joy to our lives. My wife and I have been active members at Woodstock City Church for the last 8 years. I'm also passionate about endurance sports, having completed three Ironman competitions and seven marathons.


Professionally, I take pride in helping individuals like you navigate the path to homeownership. With my extensive experience and industry insight, I work to customize loans that suit your unique needs and aspirations. Buying a home is more than just a transaction—it's an investment in your future. My goal is to make this process as smooth, rewarding, and positive as possible for you.


Ready to take the next step towards financing your dream home? Click "Apply Now" or reach out via phone or email. I'm excited to help make your homeownership dreams come true and to exceed your expectations every step of the way.


Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

VP of Mortgage Lending

JT Trial is your Kennesaw local lender. As a loan officer at Certainty Home Lending, JT is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact JT at (770) 863-7293 for more information!

JT Trial at Certainty Home Lending (NMLS #1676478)

Thank you for considering me to guide you through your home buying journey! At Certainty, we pride ourselves on providing the best customer service and exceeding your expectations of the mortgage process at every turn. From a complimentary pre-qualification through an on-time closing, I will be here to ensure confidence every step of the way.


Helping people realize the dream of homeownership is my passion. My experience and knowledge of the industry allows me to tailor each loan to meet the specific needs of each individual. Everyone's story is different, so no one loan will meet everyone's needs. I have worked both on the operations side and the sales side which makes my skill set unique. I will be able to find the perfect product for you.


Buying a home can be one of the most important investments that we make. I am dedicated to making the process a positive and rewarding experience for you, and I welcome the opportunity to earn your business and your trust. Take the next step toward financing your home by clicking the "Apply Now" button now! You can also give me a call or send me an email to schedule some time to chat. I look forward to helping you finance your home.


Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

Meredith Poggi is your Kennesaw local lender. As a loan officer at Certainty Home Lending, Meredith is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Meredith at (770) 200-2826 for more information!

Meredith Poggi at Certainty Home Lending (NMLS #924221)

Thank you for considering me to guide you through your home buying journey! I have been helping families realize their goal of homeownership since 2000. I became a mortgage lender because I am passionate about the client experience. I had always heard that it was difficult to get a mortgage loan and I was curious to know why and even more eager to make what seemed difficult a more pleasant experience for my clients.


My experience and knowledge of the industry allows me to tailor each loan to meet the specific needs of each individual. I have 20 years of experience with Conventional, FHA, VA, USDA, and Jumbo loans. I am Reverse Mortgage and Renovation Lending certified, and I am not shy about using down payment assistance programs to help first time buyers overcome one of their biggest challenges to purchasing a home.


Everyone's story is different, so no one loan will meet everyone's needs. My role is to listen to your story, understand your goals and help you find that perfect fit. I am dedicated to making the process a positive and rewarding experience for you, and I welcome the opportunity to earn your business and your trust. Take the next step toward financing your home by clicking the "Apply Now" button now! You can also give me a call or send me an email to schedule some time to chat. I look forward to helping you finance your home.

Lisa Brereton-Hinds is your Kennesaw local lender. As a loan officer at Certainty Home Lending, Lisa is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Lisa at (678) 305-9126 for more information!

Lisa Brereton-Hinds at Certainty Home Lending (NMLS #544432)

SVP of Mortgage Lending

JD Davis is your Kennesaw local lender. As a loan officer at Certainty Home Lending, JD is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact JD at (404) 461-3794 for more information!

JD Davis at Certainty Home Lending (NMLS #216222)

Mortgage decisions get overwhelming when the process is unclear. I'm here to simplify it. I help buyers and homeowners across Georgia, South Carolina, Tennessee, Alabama, and Florida, including Chattanooga, Knoxville, Atlanta, Gulf Shores, and Hilton Head. Many of my clients are move-up buyers and real estate investors, but if you're purchasing, building, or refinancing, I'll meet you where you are and build a plan around your goals. My approach is straightforward:


- Clear communication you can count on


- Creative problem-solving when the scenario has moving parts


- Education throughout the process so you understand your options and tradeoffs


I'm guided by faith and family, and I bring that into my work through transparency, care, and consistency. When I'm not working on loans, I'm usually exploring a new spot, scouting local coffee, or traveling. If you're ready for a mortgage expert who keeps things simple and keeps you in the loop, let's talk.


Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

Ani Stengel is your trusted local lender in Kennesaw. As a loan officer with Certainty Home Lending, Ani is passionate about helping homeowners with purchase loans and refinances. With a focus on simplifying the mortgage process, Ani ensures your journey is smooth, clear, and stress-free. Contact Ani at (770) 608-0397 to get started today!

Ani Stengel at Certainty Home Lending (NMLS #1920286)

Stephen Douglas is your Kennesaw local lender. As a loan officer at Certainty Home Lending, Stephen is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Stephen at (770) 790-6440 for more information!

Stephen Douglas at Certainty Home Lending (NMLS #1128331)

**Unmatched personal service from application to closing**


With over 19 years in the mortgage industry, Reina Bauer is known for her integrity, honesty, and unwavering commitment to her clients. Recognized by the Atlanta Business Chronicle as one of Georgia's Top 25 Originators and a multi-year Presidents Club honoree, Reina brings a proven record of excellence and care to every transaction.


She fiercely guards her record of never having a buyer lose their earnest money — a reflection of the meticulous attention and proactive communication she provides every client. Reina treats every transaction as if it were her own, ensuring each step is handled with professionalism, transparency, and prompt, hands-on service.


Before entering the mortgage industry, Reina worked internationally as a fundraiser for national non-profit foundations and built a successful business of her own. Her extensive overseas living and travel experiences have given her a deep understanding of different cultures and the ability to better serve clients from a wide range of nationalities. Reina is passionate about giving back to her community and supports many local organizations. She has proudly called Georgia home for over 20 years.


Whether you're buying your first home, refinancing, or exploring future goals, Reina's mission is to provide expert guidance, clear communication, and personalized service every step of the way — earning your trust from application to closing.


Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

Reina Bauer is your Kennesaw local lender. As a loan officer at Certainty Home Lending, Reina is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Reina at (770) 855-4974 for more information!

Reina Bauer at Certainty Home Lending (NMLS #201700)

Stephen Hester is your Kennesaw local lender. As a loan officer at Certainty Home Lending, Stephen is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Stephen at (770) 790-6435 for more information!

Stephen Hester at Certainty Home Lending (NMLS #1475679)

Kennesaw

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10 Loan Officers Kennesaw, GA