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.

VP of Mortgage Lending

D. Brady Drummond-Ryan is your Charlotte local lender. As a loan officer at Certainty Home Lending, D. 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 D. at (704) 248-8056 for more information!

D. Brady Drummond-Ryan at Certainty Home Lending (NMLS #68520)

Branch Manager/National Sales Trainer

Sally Cash is your Charlotte local lender. As a loan officer at Certainty Home Lending, Sally 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 Sally at (704) 246-0133 for more information!

Sally Cash at Certainty Home Lending (NMLS #108698)

A long-time resident of Fayetteville, N.C., Gale brings extensive mortgage industry experience, first as a loan processor in 2003, then as a mortgage loan originator from 2004, to every mortgage transaction. Homebuyers and homeowners looking to refinance will benefit from Gale's knowledge, experience, and clear communication style. Gale listens closely to each customer's needs and knows the right questions to ask and to identify the three most suitable mortgage financing options to meet each customer's financial goals. Real estate agents and builders can confidently recommend Gale to their clients for a superior mortgage experience, and the commitment that she will keep them, and their clients, updated at each stage of the loan process.


Gale has been recognized by the National Association of Hispanic Real Estate Professionals® as a Top 250 Latino Mortgage Originator in 2015, 2016, 2017, 2018 and 2019. In addition to conventional mortgages, Gale specializes in first-time homebuyer programs and down payment assistance programs. She is also experienced in submitting applications for government mortgage programs, such as VA home loans, FHA home loans, and USDA home loans.

Sales Manager

Gale Thurman is your Charlotte local lender. As a loan officer at Certainty Home Lending, Gale 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 Gale at (910) 676-7983 for more information!

Gale Thurman at Certainty Home Lending (NMLS #113885)

Producing Branch Manager

Lexie Rodriguez is your Charlotte local lender. As a loan officer at Certainty Home Lending, Lexie 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 Lexie at (910) 728-1604 for more information!

Lexie Rodriguez at Certainty Home Lending (NMLS #1901707)

Emily is a Mortgage Loan Officer dedicated to helping families achieve their homeownership goals throughout NC and AL. As a military spouse, Emily has firsthand experience with the challenges and excitement that come with relocating often and finding a new place to call home.


With personal ties and experience living in both the Fort Bragg and Fort Rucker area, Emily has a passion for serving the communities she knows and loves. Emily is committed to making the mortgage process simple, stress free and easy to understand.


Whether you're buying your first home, relocating, or looking for your next chapter, Emily provides personalized guidance and support 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.*

Emily Riofrio is your Charlotte local lender. As a loan officer at Certainty Home Lending, Emily 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 Emily at (910) 299-8310 for more information!

Emily Riofrio at Certainty Home Lending (NMLS #2493790)

Luke Jones is a dedicated mortgage professional helping homebuyers, homeowners, and real estate professionals throughout Garner, Raleigh, the Triangle, and surrounding North Carolina communities achieve their homeownership goals. As Vice President of Mortgage Lending, Luke is passionate about making the mortgage process approachable, educational, and successful for every client.


Luke has a special passion for helping first-time homebuyers navigate one of the biggest financial decisions of their lives. He believes that informed buyers make confident buyers, which is why he takes the time to explain loan options, answer questions, and provide personalized mortgage strategies that align with each client's financial goals. Whether purchasing a first home, moving to a new home, or refinancing, Luke is committed to delivering a smooth and stress-free lending experience.


Serving the competitive Raleigh and Triangle real estate market, Luke offers expertise in conventional, FHA, VA, USDA, jumbo, and refinance loan programs. His knowledge of the local housing market allows him to help clients make informed decisions while navigating today's evolving mortgage landscape.


Luke is equally committed to supporting real estate professionals throughout North Carolina. He partners with agents to provide valuable mortgage expertise, responsive communication, and innovative marketing support that helps grow their business. From co-branded social media content and educational resources to open house support and collaborative marketing opportunities, Luke believes strong partnerships lead to better outcomes for buyers and agents alike.


Known for his accessibility, proactive communication, and client-first mindset, Luke strives to build lasting relationships that continue well beyond the closing table. His mission is simple: help more families achieve homeownership while becoming a trusted resource for clients and referral partners across the Triangle.


If you're buying, refinancing, or investing in real estate in Garner, Raleigh, Cary, Apex, Holly Springs, or anywhere throughout the Triangle, Luke Jones is ready to help you move forward with confidence.


*Certainty Home Lending has no affiliation with any government agency. 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.*

Luke Jones is your Charlotte local lender. As a loan officer at Certainty Home Lending, Luke 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 Luke at (252) 717-6724 for more information!

Luke Jones at Certainty Home Lending (NMLS #2505808)

Charlotte

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6 Loan Officers Charlotte, NC