With more than 35 years of banking experience, Kym Baker brings extensive knowledge of mortgage lending, real estate, and homebuilding to clients throughout Elkhart County, St. Joseph County, and the greater Northern Indiana real estate market. Having grown up in Elkhart County, Kym has deep roots in the communities she serves and is passionate about helping homebuyers and homeowners understand their financing options and find mortgage solutions that support their individual goals.


Kym believes the mortgage process should feel clear and approachable. Whether she is helping a first-time homebuyer purchase a home, working with a repeat buyer on their next move, or assisting a homeowner with refinancing, she takes the time to explain options, answer questions, and provide personalized guidance from application through closing.


Her experience in banking, real estate, and homebuilding gives Kym a well-rounded perspective on the home financing process. Known for her responsiveness, genuine care, and relationship-focused approach, she works closely with clients, real estate agents, homebuilders, and other referral partners to help keep transactions moving smoothly.


For Kym, relationships are at the heart of good business. She enjoys connecting with people and strives to be a trusted mortgage resource clients and real estate professionals can rely on long after closing.


Outside of mortgage lending, Kym enjoys spending time with her husband, Brian, her rescue dog, Edward, and her cat, Reggie. She is a devoted Chicago Cubs fan, loves playing cards, and has a soft spot for wildlife of all kinds. For Kym, life is best enjoyed with good people, four-legged friends, a little friendly competition, and plenty of fun along the way.


Kym primarily serves homebuyers and homeowners throughout Elkhart, Bristol, Granger, Goshen, South Bend, Mishawaka, Osceola, and surrounding Northern Indiana communities. She also serves clients across Southwest Michigan, including Mattawan, Kalamazoo, Portage, and Paw Paw. Whether purchasing a home or refinancing, Kym is ready to provide knowledgeable, personalized mortgage guidance from start to finish.


*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

Kym Baker is your Osceola local lender. As a loan officer at Certainty Home Lending, Kym 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 Kym at (574) 524-6185 for more information!

Kym Baker at Certainty Home Lending (NMLS #804933)

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.

Cyndi Handley is your Osceola local lender. As a loan officer at Certainty Home Lending, Cyndi 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 Cyndi at (574) 206-1177 for more information!

Cyndi Handley at Certainty Home Lending (NMLS #515407)

Samantha Conrad is your Osceola local lender. As a loan officer at Certainty Home Lending, Samantha 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 Samantha at (574) 903-3242 for more information!

Samantha Conrad at Certainty Home Lending (NMLS #132573)

Real estate has always been part of Teresa Shultz-Miller's story. Her family's roots in the industry date back to 1946, and Teresa has spent more than 25 years building her career in mortgage lending. As SVP, Regional Manager, she combines her passion for helping people achieve homeownership with a focus on growing strong teams, developing mortgage professionals, and expanding markets across Indiana, Michigan, and the Midwest.


Teresa believes successful mortgage lending is built on genuine relationships, consistent communication, strong systems, and doing what is right for clients and business partners. She works with homebuyers while building meaningful partnerships with real estate agents and homebuilders to create a smooth, informed mortgage experience.


As a regional mortgage leader, Teresa is focused on growing the company's presence by recruiting and developing talented loan officers, supporting new and existing markets, and helping mortgage professionals build successful careers. Her deep connection to the real estate industry gives her a valuable perspective whether she is helping a client pursue homeownership, partnering with a real estate agent or builder, or connecting with a loan officer about their next opportunity.


Based in Elkhart, Indiana, Teresa serves and builds relationships with homebuyers, homeowners, mortgage professionals, real estate agents, homebuilders, and industry partners throughout Indiana, Michigan, and the greater Midwest. For Teresa, growth is about investing in people, strengthening partnerships, and creating opportunities in the communities she serves.


*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.*

SVP, Regional Manager

Teresa Shultz-Miller is your Osceola local lender. As a loan officer at Certainty Home Lending, Teresa 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 Teresa at (574) 320-5692 for more information!

Teresa Shultz-Miller at Certainty Home Lending (NMLS #484901)

Michael Grove brings a unique financial perspective to mortgage lending in South Bend and throughout Northern Indiana. After five years in financial advising, Michael entered the mortgage industry in 2013 and has since built his career around helping clients make informed home financing decisions while developing lasting relationships within the communities he serves.


Michael works with first-time homebuyers, repeat buyers, homeowners, and real estate investors to find mortgage solutions that align with their individual needs and financial goals. Whether financing a primary residence, second home, or investment property, or exploring refinance options, he takes the time to explain the process, answer questions, and help clients confidently evaluate their options.


Deeply connected to the South Bend and Northern Indiana real estate community, Michael serves as President of the Michiana Chapter of the Indiana Mortgage Bankers Association and Chair of the St. Joseph Valley Home Builders Association's Workforce Development Committee. His involvement keeps him closely connected with mortgage professionals, real estate partners, homebuilders, and the housing needs of the communities he serves.


For Michael, mortgage lending is about more than getting to the closing table. He strives to be a trusted resource clients can turn to throughout their homeownership journey, building relationships that continue well beyond a single transaction.


Outside of work, Michael and his wife, Cecilia, stay busy with their four teenagers. You can often find him coaching or cheering from the sidelines at soccer, lacrosse, wrestling, and track events. When the family calendar allows, he enjoys a weekly ping-pong game, perfecting his blueberry pancakes, and taking on new woodworking projects.


Serving South Bend, Mishawaka, Granger, Elkhart, and communities throughout Northern Indiana, Michael is ready to help clients navigate their next home purchase, refinance, second home, or real estate investment with knowledgeable and personalized mortgage guidance.


*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.*

SVP, Producing Partnership Area Manager

Michael Grove is your Osceola 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 (574) 274-2329 for more information!

Michael Grove at Certainty Home Lending (NMLS #1037919)

With more than 20 years in the mortgage industry, Jan Edwards has helped thousands of clients navigate one of life's biggest financial decisions. But after two decades in lending, her favorite part of the job has never been paperwork. Shocking, she knows. It is the relationships she builds along the way.


Based in South Bend, Jan serves homebuyers, homeowners, and real estate investors throughout Northern Indiana. She believes great mortgage guidance starts with listening, understanding what each client wants to accomplish, and finding a financing strategy that supports both today's needs and tomorrow's goals.


Whether she is helping a first-time homebuyer purchase their first home, guiding a repeat buyer through their next move, working with an investor growing a real estate portfolio, or helping a homeowner explore their equity, Jan focuses on making the mortgage process clear, transparent, and personalized.


Her goal is simple: keep clients informed, confident, and maybe even help them enjoy the mortgage process a little. Over the years, many clients have become friends, returning to Jan for future home purchases, refinancing, investment properties, and other financial goals.


Serving South Bend, Mishawaka, Granger, Elkhart, and communities throughout Northern Indiana, Jan combines extensive mortgage experience with local real estate market knowledge and a relationship-first approach.


Whether you are buying your first home, your next home, or your tenth investment property, Jan is ready to help you understand your options and make a confident move. She is not just here for your next mortgage. She is here to be a trusted mortgage resource for whatever comes next.


*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.*

Jan Edwards is your Osceola local lender. As a loan officer at Certainty Home Lending, Jan 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 Jan at (574) 292-2238 for more information!

Jan Edwards at Certainty Home Lending (NMLS #828721)

With more than seven years of experience in the mortgage industry, Colin Dorsam brings a practical, detail-oriented approach to home financing in Elkhart and throughout Northern Indiana. His background spans mortgage loan production, borrower guidance, and the operational details required to move a loan smoothly from application through closing.


Colin believes the mortgage process should be straightforward and easy to understand. Whether he is helping a first-time homebuyer navigate financing options, working through a complex loan scenario, or keeping a transaction on track, he focuses on clear communication, proactive problem-solving, and getting the details right.


His understanding of both the client-facing and operational sides of mortgage lending allows Colin to anticipate potential challenges and serve as a knowledgeable resource for borrowers and real estate partners. He works closely with homebuyers, homeowners, and industry professionals to help create an efficient and informed lending experience throughout the home purchase or refinance process.


A Northern Indiana native, Colin brings valuable local perspective to clients navigating the Elkhart and surrounding real estate markets. His connection to the area, combined with his mortgage experience, gives him an appreciation for the communities and clients he serves.


Outside of work, Colin enjoys golfing, cooking, following college football and soccer, and spending time with his German Shorthaired Pointer, Hank.


Serving Elkhart, South Bend, Mishawaka, Granger, Goshen, and communities throughout Northern Indiana, Colin is committed to providing responsive, knowledgeable mortgage guidance and helping clients move confidently 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.*

Licensed Production Manager

Colin Dorsam is your Osceola local lender. As a loan officer at Certainty Home Lending, Colin 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 Colin at (574) 536-4497 for more information!

Colin Dorsam at Certainty Home Lending (NMLS #2057159)

Osceola

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7 Loan Officers Osceola, IN