As a Divisional Manager and EVP of Mortgage Lending at Certainty Home Lending, I lead a team of highly qualified and dedicated mortgage professionals who share my passion for excellence and customer satisfaction. With over 25 years of experience in the mortgage industry, I have developed a deep expertise in consumer and commercial lending, banking, credit analysis, and real estate financing.


My mission is to provide our clients with the best possible solutions for their home financing needs while ensuring a smooth and efficient process from start to finish. I also strive to create a culture of growth and innovation within our company, by investing in our sales and operational teams, providing them with top-notch training, cutting-edge technology, and ample financial support. I am proud to be a part of a company that values experience, diversity, and achievement in its leaders, and offers boundless opportunities for those who are determined to excel and thrive.

EVP, Divisional Manager

Keith Stiles is your Arlington local lender. As a loan officer at Certainty Home Lending, Keith 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 Keith at (202) 355-5887 for more information!

Keith Stiles at Certainty Home Lending (NMLS #483774)

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

Mike Polikretis is your Arlington local lender. As a loan officer at Certainty Home Lending, Mike 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 Mike at (312) 500-3672 for more information!

Mike Polikretis at Certainty Home Lending (NMLS #483522)

Nick Genovese is your Arlington local lender. As a loan officer at Certainty Home Lending, Nick 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 Nick at (703) 859-1336 for more information!

Nick Genovese at Certainty Home Lending (NMLS #2149234)

Marcela Morales is your Arlington local lender. As a loan officer at Certainty Home Lending, Marcela 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 Marcela at (312) 752-1344 for more information!

Marcela Morales at Certainty Home Lending (NMLS #1420556)

Meet My Team:  
Roberto Morales | Licensed Sales Assistant | [roberto.morales@certaintyhomelending.com](mailto:margo.goetting@certaintyhomelending.com)


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.

Andrew Siddon is your Arlington local lender. As a loan officer at Certainty Home Lending, Andrew 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 Andrew at (703) 980-9815 for more information!

Andrew Siddon at Certainty Home Lending (NMLS #483523)

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.


The home loan process can be a challenging and often overwhelming process to endure. My goal is to help my clients not only understand their lending options, but optimize those options to help them save money, time & heartache when pursuing their dream of home ownership. I take my role in this process very seriously and can say that I am very proud to have been a part of helping hundreds of people realize this dream. I commit to each and every client that my team will work hard, provide a high level of communication & do everything possible to make the process a smooth one for all parties involved.


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 working with you!

Producing Branch Manager

David Faber is your Arlington local lender. As a loan officer at Certainty Home Lending, David 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 David at (703) 965-8569 for more information!

David Faber at Certainty Home Lending (NMLS #1181692)

With over 25 years of experience in the mortgage industry, I have had the privilege of helping thousands of clients achieve their homeownership dreams. Whether you're a first-time homebuyer or a seasoned property owner, I'm committed to providing personalized service and expert guidance every step of the way.


I've closed hundreds of millions of dollars in loans throughout my career, and my success is built on a foundation of trust, accessibility, and unwavering dedication. I take pride in being available whenever my clients need me, ensuring a smooth and stress-free experience from application to closing.


Your goals are my priority, and I'm here to make the home financing process as easy as possible for you.

David Lumb is your Arlington local lender. As a loan officer at Certainty Home Lending, David 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 David at (202) 253-2180 for more information!

David Lumb at Certainty Home Lending (NMLS #482299)

Thank you for considering me to guide you through your home buying journey! I have over 30 years of experience in the lending business. Helping people realize the dream of homeownership is my passion.


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.


If you are ready to take the next step toward getting a free consult on home financing (purchase or refinance), click 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.


*Home Loan Mortgage Consultant  
*Refinancing  
*First-time homebuyer programs  
*Mortgage rates  
*FHA loans  
*VA loans  
*Jumbo loans


*By refinancing, you may pay more in costs and interest over the extended term.*


*Certainty Home Lending has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.*

SVP, Producing Area Manager

Krista Ellis is your Arlington local lender. As a loan officer at Certainty Home Lending, Krista 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 Krista at (202) 246-6020 for more information!

Krista Ellis at Certainty Home Lending (NMLS #482295)

The MacIntyre Group is led by Scott MacIntyre, a Mortgage Lending Officer in Washington, DC, from 2016 to 2024. He is renowned for his unwavering dedication to providing comprehensive lending solutions. His work with high-net-worth and first-time homebuyers, offering suitable debt and liquidity solutions as a liability advisor, is a testament to his commitment and expertise.


Scott moved to the DC area in 2000 with the US Army as a member of The Old Guard Infantry at Ft. Myer, VA. Scott's exceptional leadership and relationship-building skills, honed during his tenure from 2003, clearly demonstrate his professionalism and ability to connect with high-net-worth clients. For ten years, he dedicated himself to nurturing these relationships as a financial center manager in Bethesda, MD, and Washington, DC.


Since 2016, he has closed $1.3 billion in mortgages and has been honored with the Pinnacle Award six times as a Wealth Management Lending officer. He was also a member of the inaugural Lending Council To Management (LCTM) team, contributing to the integration of lending into financial advisor culture and practice.


Scott is married and has three children. The youngest was adopted from India in 2019. This personal journey adds a touch of relatability to his professional profile. They all love their two wonderful Westies named Churchill and Franklin. They currently live in Fairfax, VA.

Scott MacIntyre (NMLS# 1379810)

The MacIntyre Group is your Arlington local lender. As a loan officer at Certainty Home Lending, The MacIntyre 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 The MacIntyre at (703) 436-5363 for more information!

Scott MacIntyre at Certainty Home Lending (NMLS #1379810)

With over 20 years of experience in the mortgage industry, Dave Venugopal has established himself as a trusted advisor and a top-producing manager and loan officer. A 15-time consecutive President's Club honoree, Dave is recognized for his unwavering commitment to excellence and his ability to provide tailored mortgage solutions to homebuyers, homeowners, and real estate investors.


Dave's mission is clear: to empower his clients and referral partners with the knowledge and guidance needed to make sound financial decisions regarding home financing. Whether purchasing a first home, upgrading to a dream home, refinancing a mortgage, or investing in real estate, Dave and his team ensure a seamless, stress-free loan process from application to closing.


With over $3 billion in funded loans and thousands of satisfied clients, Dave's track record speaks for itself. He brings deep expertise across a range of loan programs, including conventional, jumbo, VA*, FHA*, and specialized non-QM financing. His dedication to exceptional service has earned him repeat business and lifelong client relationships, along with strong partnerships with real estate agents, financial planners, and builders who trust him to deliver best-in-class mortgage solutions.


Beyond his professional success, Dave is deeply committed to his family and community. A longtime resident of the greater Washington, D.C. area, he lives in Virginia with his wife and their two children. In his free time, he enjoys traveling, spending time with family, and exploring new dining and cultural experiences in the D.C. metro area.


Whether you're a first-time homebuyer, a seasoned investor, or a real estate professional looking for a knowledgeable and trusted lending partner, Dave's expertise, market insight, and commitment to service make him the go-to mortgage professional.


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.


*Certainty Home Lending has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

SVP of Mortgage Lending

Dave Venugopal is your Arlington local lender. As a loan officer at Certainty Home Lending, Dave 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 Dave at (703) 647-5972 for more information!

Dave Venugopal at Certainty Home Lending (NMLS #484239)

**Meet Vipin Raj – Your Trusted Partner in Home Financing**


Choosing the right person to guide you through the mortgage process is no small decision. With over 15 years of experience in the mortgage industry, I bring a deep understanding of both the technical details and the emotional significance behind every home purchase.


My journey began in mortgage operations and as a loan closer—where I built a strong foundation in how the loan process works from start to finish. Over the years, I've had the privilege of helping countless individuals and families navigate the path to homeownership with clarity and confidence.


What sets me apart? I believe in transparency, open communication, and personalized service. I know that buying a home is more than a transaction—it's one of the most important investments you'll ever make. That's why I make it a priority to ensure you feel informed, supported, and at ease every step of the way.


Whether you're purchasing your first home, refinancing, or simply exploring your options, I'm here to help make the process as smooth and rewarding as possible.


If you're looking for a loan officer who understands the full picture and puts your needs first, I'd be honored to work with you. Click the "Apply Now" button, send me an email, or give me a call to schedule some time to chat.


I look forward to helping you finance your home—and to earning your trust along 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.

Vipin Raj is your Arlington local lender. As a loan officer at Certainty Home Lending, Vipin 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 Vipin at (410) 372-4122 for more information!

Vipin Raj at Certainty Home Lending (NMLS #1392977)

Producing Area Manager

Brian Kempf is your Arlington local lender. As a loan officer at Certainty Home Lending, Brian 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 Brian at (703) 965-8569 for more information!

Brian Kempf at Certainty Home Lending (NMLS #483525)

With an impressive track record of leadership and production in the mortgage industry, Chris Channell has become a trusted name in the Metro DC, Maryland, and Virginia (DMV) real estate markets and beyond. As a Producing Area Manager, Chris combines a deep understanding of mortgage lending with an entrepreneurial spirit, making him an invaluable partner for homebuyers, homeowners, and real estate professionals.


Recognized nationally among America's Top 100 Mortgage Originators*, Chris has built a reputation for anticipating market trends, building strong relationships, and delivering mortgage solutions tailored to each client's goals. His commitment to excellence has made him a go-to resource for clients and business partners across the DMV region.


Beyond his work in mortgage lending, Chris is an active real estate investor with a deep understanding of both sides of the housing market. This perspective allows him to offer clients practical guidance and creative strategies that go beyond traditional lending.


Whether helping families achieve homeownership, guiding clients through refinancing, or supporting real estate investors, Chris brings unmatched expertise, leadership, and dedication to every opportunity.


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.


*https://www.scotsmanguide.com/rankings/top-originators/2023-top-dollar-volume/

Chris Channell is your Arlington local lender. As a loan officer at Certainty Home Lending, Chris 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 Chris at (703) 382-1854 for more information!

Chris Channell at Certainty Home Lending (NMLS #266012)

Cathy Zhou is your Arlington local lender. As a loan officer at Certainty Home Lending, Cathy 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 Cathy at (703) 647-5992 for more information!

Cathy Zhou at Certainty Home Lending (NMLS #215743)

Arlington

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