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)

Tom Brown is proud to be celebrating over 37 years guiding homebuyers through the mortgage process. Whether you are a first-time home buyer, needing a down payment assistance program, looking for a fixed-term mortgage or to qualify for a VA loan, Tom will ensure you select the best loan program to meet your financial needs.


Tom wants each client to feel like they are his only client. Tom's personalized customer service ensures each client thoroughly understands the mortgage process from origination through to closing. At any point, he is happy to respond to clients' questions, so they can confidently move to the next stage.


Tom appreciates the entrepreneurial spirit and gets immense satisfaction from making home ownership possible for self-employed workers and business-owners.

Tom Brown is your Dallas local lender. As a loan officer at Certainty Home Lending, Tom 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 Tom at (713) 252-4322 for more information!

Tom Brown at Certainty Home Lending (NMLS #201682)

AVP of Mortgage Lending

Melva Ibarra is your Dallas local lender. As a loan officer at Certainty Home Lending, Melva 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 Melva at (817) 865-4009 for more information!

Melva Ibarra at Certainty Home Lending (NMLS #264475)

Choosing the right Loan is the first step in purchasing or refinancing your home. When it comes to deciding on a Loan Originator to work with, it's all about the details. Whether buying or refinancing, when working with me you will quickly see that your satisfaction is my ultimate goal. When we first talk, I take the time to understand your wants, needs, and goals and then make sure you have all the information you need to make wise decisions in your move forward. With a background in Real Estate and having worked in mortgage lending for 20 years, I have a unique insight into lending from a financial perspective as well as a real estate point of view. When it is necessary, I can provide strategies and structure the loan that is not only advantageous to you but will think outside the traditional mortgage box. My passion is to exceed expectations and accomplish all your goals. Call me today for a stress free, no cost, no obligation mortgage evaluation.


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.

Steve Crossman is your Dallas local lender. As a loan officer at Certainty Home Lending, Steve 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 Steve at (972) 236-9632 for more information!

Steve Crossman at Certainty Home Lending (NMLS #995551)

Tracie Southerland is your Dallas local lender. As a loan officer at Certainty Home Lending, Tracie 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 Tracie at (805) 372-2687 for more information!

Tracie Southerland at Certainty Home Lending (NMLS #296909)

Tracy Andreini is your Dallas local lender. As a loan officer at Certainty Home Lending, Tracy 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 Tracy at (415) 462-0047 for more information!

Tracy Andreini at Certainty Home Lending (NMLS #306980)

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8 Loan Officers Dallas, TX