Award-winning Loan Officer, Michael McCollum, has been involved in the mortgage industry for over 18 years. He provides clients with the upmost customer service by treating each borrower as if they have the only loan he is working on. Michael and his team work to close on time, provide great communication through the process, and stay on top of leads until they're ready to purchase. Michael is the recipient of the President's Silver Award and President's Gold Award, showing that he is the best of the best when it comes to this business. His clients will feel confident knowing they are the hero and he is the guide of this their story. Michael provides assistance to borrowers seeking first-time home buyer programs, fixed-rate mortgages, jumbo mortgages, home improvement loans, and investment property loans.


I'm so grateful to my customers and partners to have been voted a 2022 Best of Gwinnett Ones to Watch Winner and a 2023 Five Star Mortgage Professional!

Branch Manager

Michael McCollum is your Lawrenceville local lender. As a loan officer at Certainty Home Lending, Michael 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 Michael at (678) 690-8410 for more information!

Michael McCollum at Certainty Home Lending (NMLS #284027)

I want to help my customer's dream of home ownership become a reality! Buying a home is the single most important financial investment we make. Although it can seem a bit intimidating, I am dedicated to making the process a positive and rewarding experience for you. Everyone's story is different, so no one loan will fit everyone's needs. My job is to find that perfect fit for you! I welcome the opportunity to earn your business and your trust. I am dedicated to my customers and will be available to walk with you through this process every step of the way!

VP of Mortgage Lending

Jaclyn Baker is your Lawrenceville local lender. As a loan officer at Certainty Home Lending, Jaclyn 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 Jaclyn at (678) 690-8408 for more information!

Jaclyn Baker at Certainty Home Lending (NMLS #2039205)

Meet Ivan Ramirez — Your Trusted Bilingual Mortgage Loan Officer in Lawrenceville, GA


Ivan Ramirez is a highly skilled and trusted bilingual mortgage loan officer based out of our Lawrenceville, GA branch. Fluent in both Spanish and English, Ivan specializes in guiding first-time homebuyers and seasoned investors alike through the mortgage process with clarity, integrity, and unmatched service.


A proud Colombian-American, Ivan brings a deep sense of warmth and dedication to everything he does. Whether he's meeting with clients across Gwinnett County or collaborating with real estate professionals to close time-sensitive deals, Ivan is known for his calm presence, contagious positivity, and unwavering focus on results.


Ivan's professional journey began at Georgia State University, where he earned his business degree before going on to complete his MBA at the Florida Institute of Technology. His transition into the mortgage industry was a natural one—driven by his ability to build strong relationships and deliver value in every interaction.


What truly sets Ivan apart is his solutions-oriented mindset. He approaches each challenge as an opportunity to create positive outcomes, and his bilingual skills allow him to serve both English and Spanish-speaking communities with ease and authenticity. Ivan is a responsive communicator, a thoughtful problem solver, and a committed partner in helping others achieve the ultimate goal—homeownership.


Ivan's mission is clear: to grow homeownership within the Hispanic community and to build lasting partnerships that uplift and empower. He is proud to be part of a high-performing team that leads with excellence and is passionate about making the dream of owning a home a reality for more families.


Outside of the office, Ivan is a devoted husband to Maria Ramirez—his partner of over 15 years—and a proud father to two wonderful daughters. As a family, they enjoy the simple joys of life: sunny-day ice cream runs, movie nights, and off-road weekend adventures through the North Georgia Mountains, Tennessee, and South Carolina.


Whether you're a homebuyer seeking expert guidance or a business partner looking to make a greater impact, Ivan Ramirez is the confident, committed, and community-focused mortgage professional ready to help you succeed.


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.

Ivan Ramirez is your Lawrenceville local lender. As a loan officer at Certainty Home Lending, Ivan 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 Ivan at (404) 436-2605 for more information!

Ivan Ramirez at Certainty Home Lending (NMLS #2059278)

Buying a home is one of the biggest milestones in life, and it should feel exciting not overwhelming. As your mortgage loan officer, I'm committed to making the process simple, transparent, and stress-free. From pre-approval to closing day, I'll guide you every step of the way and ensure you feel informed and supported throughout the journey.


Whether you're buying your first home, upgrading to your next, or investing in real estate, I take pride in providing personalized solutions and open communication from start to finish. My goal is to build lasting relationships, help you feel confident in your decisions, and turn your homeownership dreams into reality.


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_DE_PRéSTAMOS_HIPOTECARIOS

Midelvia Chavez is your Lawrenceville local lender. As a loan officer at Certainty Home Lending, Midelvia 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 Midelvia at (678) 528-4890 for more information!

Midelvia Chavez at Certainty Home Lending (NMLS #2516811)

Miguel Hawkins is a bilingual mortgage professional with more than 24 years of experience helping individuals and families achieve the dream of homeownership.


Throughout his career, he has built a reputation for combining education, communication, and personalized guidance to help clients confidently navigate the mortgage process. As part of the Certainty Home Lending team, Miguel specializes in working with first-time homebuyers, Hispanic families, self-employed borrowers, and clients seeking strategic financing solutions. His approach is centered on simplifying complex mortgage concepts, creating clear action plans, and delivering a high level of service from application to closing.


Miguel is also the creator of "Con Miguel Sí Se Puede," a Spanish-language educational process focused on empowering the Hispanic community through homeownership education, financial awareness, and real-world mortgage guidance. Through social media, community outreach, and educational content, he works to make the mortgage process more accessible and understandable for families who may feel underserved or overlooked.


Known for his relationship-driven style and long-term mindset, Miguel believes buying a home is more than a transaction — it is a foundation for stability, opportunity, and generational growth. His mission is to provide clients and referral partners with a mortgage experience built on trust, structure, communication, and consistency. Whether working with a first-time buyer, a growing family, or a referral partner, Miguel brings experience, professionalism, and a genuine passion for helping people move forward with confidence.

SVP, Emerging Markets Leader

Miguel Hawkins is your Lawrenceville local lender. As a loan officer at Certainty Home Lending, Miguel 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 Miguel at (770) 616-4865 for more information!

Miguel Hawkins at Certainty Home Lending (NMLS #833980)

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5 Loan Officers Lawrenceville, GA