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

Al Saylor is your Dallas local lender. As a loan officer at Certainty Home Lending, one of the largest retail mortgage lenders in the United States, Al 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 Al at (281) 435-8586 for more information!

Al Saylor at Certainty Home Lending (NMLS #345235)

Branch Manager

Ricki Whittle is your Dallas local lender. As a loan officer at Certainty Home Lending, Ricki 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 Ricki at (361) 658-9003 for more information!

Ricki Whittle at Certainty Home Lending (NMLS #232053)

Gina Lehrmann is your Dallas local lender. As a loan officer at Certainty Home Lending, Gina 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 Gina at (972) 599-5279 for more information!

Gina Lehrmann at Certainty Home Lending (NMLS #947124)

Rob Webber is a top-producing mortgage professional with 23 years of experience serving homebuyers and homeowners across Florida, Tennessee, and California. Trusted by builders, financial advisors, agents, and clients for delivering clear communication, expert guidance, and consistently on-time closings, Rob has built a reputation as a dependable leader in residential lending.


Rob's approach is rooted in transparency, education, and proactive support. He takes the time to understand each client's goals, crafting tailored financing solutions that align with both immediate needs and long-term strategies. His strong relationships with industry partners and his dedication to a seamless lending experience have earned him repeat business and long-standing referral networks.


Whether assisting first-time buyers, move-up homeowners, high-net-worth clients, or seasoned investors, Rob brings exceptional service, market insight, and a commitment to excellence to every transaction.


Rob can be reached at 619-379-0656 or email at [rob.webber@certaintyhomelending.com](mailto:rob.webber@certaintyhomelending.com)


Southwest Florida Office  
7711 Martino Circle Naples, FL 34112


Nashville / Middle Tennessee Office  
400 Warioto Way, Suite 414, Ashland City, TN 37015


Southern California Office  
5000 Birch St, Suite 3000, Office 349, Newport Beach, CA 92660


Applicant subject to credit and underwriting approval. Restrictions apply.

Rob Webber is your Dallas local lender. As a loan officer at Certainty Home Lending, Rob 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 Rob at (619) 486-1562 for more information!

Rob Webber at Certainty Home Lending (NMLS #633043)

Producing Regional Manager

Greg Hansen is your Dallas local lender. As a loan officer at Certainty Home Lending, Greg 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 Greg at (480) 444-5702 for more information!

Greg Hansen at Certainty Home Lending (NMLS #151405)

Eric Swanson is an experienced mortgage professional serving homebuyers, homeowners, and real estate investors throughout Goodyear, Phoenix, and the greater West Valley real estate market. Since entering the mortgage industry in 2005, Eric has helped clients navigate the home financing process with honesty, clear communication, and a solutions-focused approach that puts their goals first.


With nearly two decades of mortgage lending experience, Eric works with borrowers across a wide range of loan programs, including conventional, FHA, VA, jumbo, and refinance options. Whether assisting first-time homebuyers, helping families upgrade to their next home, or supporting real estate investors throughout the fast-growing Arizona housing market, Eric is committed to creating a smooth and stress-free mortgage experience from application to closing.


Known for being approachable, accessible, and dependable, Eric takes pride in building lasting relationships with both clients and industry partners. His extensive experience in the Goodyear and Phoenix Metropolitan real estate markets allows him to guide borrowers through changing market conditions while helping them make confident financial decisions.


Outside of mortgage lending, Eric is deeply involved in the local community as a public address announcer for high school and college sports. From Friday night football to packed gymnasiums, he enjoys bringing energy and excitement to events that create lasting memories for athletes, families, and fans across the community.


Above all, Eric values family. As a husband, father, and grandfather, he brings the same care, commitment, and personal connection to his clients that he prioritizes in his own life.  
If you are buying, refinancing, or investing in real estate in Goodyear, Phoenix, or anywhere across Arizona, Eric Swanson is ready to help you move forward with confidence and personalized mortgage guidance.


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.

Eric Swanson is your Dallas local lender. As a loan officer at Certainty Home Lending, Eric 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 Eric at (623) 300-7461 for more information!

Eric Swanson at Certainty Home Lending (NMLS #1683099)

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.*

Kym Baker is your Dallas 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)

Cyndi Handley is your Dallas 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 Dallas 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)

SVP, Regional Manager

Teresa Shultz-Miller is your Dallas 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 Dallas 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 Dallas 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 Dallas 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)

Dallas

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13 Loan Officers Dallas, TX