Premier Partners

Loan Officers who have helped the most homebuyers use Commission programs:

Laura Wells, CMPS, Movement Mortgage, Spokane

Jason Gosser, Guild Mortgage, Everett/Marysville/Lynnwood

Kimberly A. Toskey, Salmon Bay Community Lending, Seattle

Joshua Henry, Guild Mortgage, Bellingham

Jeff Miltenberger, Guild Mortgage, Lynnwood

Gordon Drane, Umpqua Bank, Kennewick

Michelle Swanson, Prospect Mortgage, Bothell/Snohomish

Cristie Stapp, Guild Mortgage, Seattle

Glenn Leach, Veterans United, Puyallup

Mark D. Williams, Evergreen Home Loans, Bellevue


Top Loan Officers by Region

Home Advantage Program Participating Lenders

Verify a mortgage company or individual:

Laura Wells

LAURA WELLS, CMPS, Movement Mortgage, Spokane
I have over 26 years of experience in mortgage lending and hold the designation of Certified Mortgage Planning Specialist. As a seasoned Premier Partner, I have helped hundreds of low-to-moderate income families in Spokane on their paths to homeownership using the Commission’s programs. I work with clients to help them understand the home loan process, from pre-qualification to keys in their hands, and how to reach their long-term financial goals. As a dedicated financing advisor I feel the Commission’s programs, including the Home Advantage and HomeChoice programs, are among the most helpful, unique ways to meet borrowers’ financial goals. I am passionate about improving lives through homeownership and I regularly conduct Commission-sponsored homebuyer education seminars in the Spokane area. If you’re looking to buy a home in the Spokane area, please contact Laura at 509-714-9411, or email her at MLO #330328


Jason Gosser

JASON GOSSER, Guild Mortgage, Everett/Marysville/Lynnwood
Jason, a Western Washington native, has been originating loans for over twenty years and is proud to offer his clients a wealth of experience and knowledge in home financing. Jason possesses the ability to listen to the needs of his borrower in order to find the perfect loan program. His product knowledge and experience is well rounded. He specializes in first-time homebuyer, government programs, and zero down loan programs. To begin the process of purchasing your first home, please contact Jason at or 425-615-6303. MLO #120413


Kim Toskey

KIMBERLY A. TOSKEY, Salmon Bay Community Lending, Seattle
As a Premier Partner, Kim Toskey helps more than 100 low-to-moderate income families along their paths to homeownership each year. Kim works with her clients to help them understand the home loan process, budgeting and how to reach their long term financial goals. Kim partners with local nonprofits to teach homebuyer education and is considered an expert in the fields of credit and downpayment assistance. By volunteering with national and local organizations and spearheading professional collaboration, Kim works to facilitate financial literacy and equal access to homeownership. As a long-time board member for the Washington Homeownership Resource Center, Kim is excited to be part of the leadership and navigating these times of market and regulatory change. If you’re ready to get started on your journey to homeownership, call Kim Toskey 425-422-5286 or email MLO #184361


Joshua Henry



JOSHUA HENRY, Guild Mortgage, Bellingham
Joshua Henry has helped many people achieve their goal of affordable homeownership with the assistance of the Home Advantage loan program and the Mortgage Credit Certificate available through the WA State Housing Finance Commission. Although there are many loan options available on the market today, both seasoned purchasers and first-time homebuyers have benefited from Joshua’s ability to find the right financial solution for every scenario. Joshua’s passion for helping homebuyers, and first-time buyers in particular, made him one of the Commission’s top loan producers for 2014. His drive and commitment have also made him a very effective Home Buyer Education instructor. He frequently conducts free Commission sponsored classes in the Bellingham, WA area. Joshua has lived in Whatcom County his entire life and enjoys spending time with his wife and two children. Joshua can reached by calling or texting at 360-224-0841 or MLO #399700


Jeff Miltenberger


JEFF MILTENBERGER, Guild Mortgage, Lynnwood
With more than 20 years of experience in mortgage lending, I have seen it all. I am dedicated to helping my clients with their financial needs from start to finish. I am an expert in helping you find the best programs to fit your life and budget. I understand all the great programs offered by the WA State Housing Finance Commission and will make the process of choosing the best program easy! In our first meeting, I will walk you through the whole process from start to finish. I pride myself on constant communication throughout the process, no surprises and closing on time. Through it all, my satisfaction stems from my happy clients. To find out how to get started, please call me directly at 206-295-8455 or email me at I look forward to meeting you! MLO #108278


Gordon Drane



GORDON DRANE, Umpqua Bank, Kennewick
Gordon Drane, a lifelong Washington native, has been in the mortgage business for 38 years. These 38 years include experience in underwriting, processing and originating loans. Gordon specializes in helping first-time homebuyers. Last year Gordon helped 38 first time homebuyers obtain their first home with the help of the Washington State Housing Finance Commission. He takes great pride in helping homebuyers achieve their dreams and goals. In 2013, Gordon became a valuable resource in the Tri-Cities community by conducting 23 Commission-sponsored homebuyer education seminars . Gordon strives to communicate openly and honestly to create a positive and lasting experience. He has great knowledge of the Washington State Housing Finance Commission programs, as well as FHA, VA, USDA and Conventional programs. Please call Gordon Drane at 509-491-6826 or email him at to achieve your goal of homeownership! MLO #420506


Michelle Swanson



MICHELLE SWANSON, Prospect Mortgage, Bothell/Snohomish
Michelle is a firm believer in the downpayment assistance programs offered by the Commission. As a Premier Partner, Michelle encourages ALL of her clients to consider the Commission’s Home Advantage program. Michelle has helped many clients realize their dream of homeownership by using this program. Michelle has over 20 years of experience in mortgage lending and is a second generation loan officer. Michelle enjoys conducting Commission-sponsored homebuyer education seminars and assisting clients along the entire path to homeownership. Helping homebuyers understand credit, budgeting, the loan process and how to reach their long term financial goals is what Michelle enjoys the most about her career. Despite all of the changes throughout the years in the lending industry, Michelle has worked tirelessly advocating for her clients. This includes helping clients with purchasing, refinancing or qualifying for the Commission’s Mortgage Credit Certificate program. Through dedicated service Michelle’s goal is to be every client’s Mortgage Consultant for Life. Please call Michelle at 425-776-1450 or email at MLO #36763


Cristie Stapp



CRISTIE STAPP, Guild Mortgage, Seattle
Cristie has been teaching first time buyer classes since 1995. Working with homebuyers, her first two priorities are educating her clients and making sure they receive a loan appropriate to their current and future financial needs and goals. She is always an advocate for her clients. Having been a Premier Partner for many years, she is a supporter of and believer in the Commission’s loan programs. The mortgage industry is in a state of constant change. Cristie prides herself with keeping up with the latest regulations and loan program updates, so her clients receive dependable information. In today’s times, Cristie’s dedication and tireless effort insure her clients have her unparalleled expertise helping them navigate through the entire loan process. Please, call Cristie Stapp at 206-310-3402 or email at to reach your destination of homeownership. MLO #233065


Glenn Leach


GLENN LEACH, Veterans United, Puyallup
At Veterans United, we help Veterans AND Non-Veterans achieve the dream of homeownership. Glenn has been a WSHFC “Premier Lender” since 2010 and has helped 100’s of families use a variety of zero-down and down payment assistance programs to buy homes with VA, FHA, USDA, and Conventional loan programs. Passionate about helping families affected by disabilities, Glenn works with local non-profit agencies and veteran support entities to improve lives via Credit, Home Buying, and Financial Self-Sufficiency Workshops which help families purchase safe and secure homes. “These programs change lives and make our communities better for everyone! That’s why I’m proud to do what I do!” Contact Glenn at or 253-617-6200 Ext 7023. MLO #112932


Mark D. Williams



MARK D. WILLIAMS, Evergreen Home Loans, Bellevue
With a career spanning more than 20 years in the mortgage industry, Mark Williams, senior loan officer at Evergreen Home Loans, has had outstanding success with first-time homebuyers using the Washington State Housing Finance Commission’s loan programs. His extensive knowledge in loan options available to homebuyers sets him apart from most of his industry peers. Understanding the importance of home and family is the root of Mark’s success. Knowing that buying a home is one of the most important decisions one can make, he is focused on helping his customers obtain a home loan solution that is affordable and allows them to achieve their goals. Mark brings his extensive product knowledge and service-oriented communication into every customer relationship. Whether it’s online, in-person or over the phone, Mark is known for keeping his customers informed every step of the way. He takes great pride helping families in the community reach their homeownership goals and wants to exceed expectations. Contact Mark at 425-748-8901 or email MLO #205465


Listed are the top five in each region with a minimum of two Commission loans in the last quarter.

Benton, Franklin, Walla Walla | Chelan, Grant | Clallam, Jefferson | Clark, Cowlitz | Island | King | Kitsap, Mason | Pierce | Snohomish | Spokane | Thurston, Lewis | Whatcom, Skagit | Whitman | Yakima

Benton, Franklin, and Walla Walla Counties

Gordon Drane, Umpqua Bank, 11 loans*, 509-491-6826,

Chad Crithfield, Caliber Home Loans, 9 loans*, 509-737-6000,

Miguel Velasquez, Homestreet Bank, 9 loans*, 509-528-1201,

Mark Manthei, Summit Funding, 7 loans*, 509-460-4626,

Dago Velasquez, HomeStreet Bank, 6 loans*, 509-572-3661 

* number of Commission Loans closed in the last quarter

Chelan and Grant Counties

April Brown, Evergreen Home Loans, 8 loans*, 509-664-3634,

Clark Schweigert, Evergreen Home Loans, 3 loans*, 509-855-4025, 

Melanie Strevy, Evergreen Home Loans, 3 loans*, 509-766-3624,

* number of Commission Loans closed in the last quarter

Clallam and Jefferson Counties

Aimee Dennis, Caliber Home Loans, 4 loans*, 360-808-1700,

Michele Mallari Adkisson, Evergreen Home Loans, 4 loans*, 360-689-9168,

* number of Commission Loans closed in the last quarter

Clark and Cowlitz Counties

Kristi Barber, Academy Mortgage, 9 loans*, 360-957-1757,

Leslie Girard, Evergreen Home Loans, 6 loans*, 360-553-7049 

Max Schneeberger, Guild Mortgage, 6 loans*, 360-931-1681,

Mike Bettineski, Guild Mortgage, 5 loans*, 360-957-0132,

Tamira Bradley, Evergreen Home Loans, 5 loans*, 360-200-5803,

Deanna McClelland, Guild Mortgage, 5 loans*, 360-936-0869,

Sandi Milohov, Guild Mortgage, 5 loans*, 360-270-9192,

* number of Commission Loans closed in the last quarter


Tony Peplinski, Guild Mortgage, 2 loans*, 360-672-1079,

* number of Commission Loans closed in the last quarter

King County

Kim Toskey, Salmon Bay Community Lending, 17 loans*, 425-422-5286,

Karin Koenig, Homestreet Bank, 16 loans*, 206-459-1345,

Cristie Stapp, Guild Mortgage, 10 loans*, 206-310-3402,

Keane Ng, Caliber Home Loans, 9 loans*, 206-650-4041,

Mark Williams, Evergreen Home Loans, 9 loans*, 425-748-8901,

* number of Commission Loans closed in the last quarter

Kitsap and Mason Counties

Amber Page, Evergreen Home Loans, 10 loans*, 360-731-1163,

Donna Miller, Eagle Home Mortgage, 5 loans*, 206-525-7103,

Stasie Pike, Evergreen Home Loans, 4 loans*, 360-710-0024,

Joan Qvigstad, Fairway Independent Mortgage, 4 loans*, 360-271-5946,

Carolyn Frame, Prime Lending, 3 loans*, 206-780-6082,

Trinette Gates, Movement Mortgage, 3 loans*, 360-558-3128,

Kathy Hite, 1st Security Bank, 3 loans*, 360-471-7541,

Tim Stockton, Evergreen Home Loans, 3 loans*, 360-698-6497,

* number of Commission Loans closed in the last quarter

Pierce County

Jody Tiedeman, HomeStreet Bank, 11 loans*, 253-988-0894,

Sunny Wilson, Eagle Home Mortgage, 11 loans*, 

Ryan Dorman, Evergreen Home Loans, 10 loans*, 253-355-7852,

Nicole Walker, Umpqua Bank, 10 loans*, 360-733-3421,

Michael Fornerette, Guild Mortgage, 7 loans*, 253-830-2323,

Tammy Hemmie, Veterans United Home Loans, 7 loans*, 253-312-0302

Angie Stillman, Umpqua Bank, 7 loans*, 360-258-3532,

* number of Commission Loans closed in the last quarter

Snohomish County

Jason Gosser MLO-120413, Guild Mortgage, 43 loans*, 425-615-6303,

Jeff Miltenberger, Guild Mortgage, 15 loans*, 206-295-8455,

David Bryce, Priority Home Lending, 6 loans*, 425-949-4068 

Michelle Swanson, Prospect Mortgage, 6 loans*, 425-776-1450,

Andrew Austin, Caliber Home Loans, 5 loans*, 425-481-1120,

Bob Winston, Caliber Home Loans, 5 loans*, 425-358-3572,

Deborah Mercado, Crane Financial Group, 5 loans*, 360-913-2334, 

Nanci Denney, Guild Mortgage, 5 loans*, 360-630-9000,

Carl Self, American Pacific Mortgage, 5 loans*, 206-307-2754,

* number of Commission Loans closed in the last quarter

Spokane County

Laura Wells MLO-330328, Movement Mortgage, 18 loans*, 509-714-9411,

Julia Hansen, Guild Mortgage, 14 loans*, 509-279-2320 ext. 23, 

Steve Morgensen, HomeStreet Bank, 8 loans*, 509-723-8030,

Art Sharpe, Summit Funding, Inc, 7 loans*, 509-892-0798, 

Christy King, Opes Advisors, 6 loans*, 509-599-5911,

Kathy Colkitt, American Financial Network, 6 loans*, 509-999-6464 

* number of Commission Loans closed in the last quarter

Thurston and Lewis Counties

Michelle Wickett, Axia Financial, 6 loans*, 360-459-1200, 

Becky Carver, Prime Lending, 5 loans*, 360-807-4618,

McKenzie Kelly, Prime Lending, 5 loans*, 360-807-4491,

Brandy LeGault, Guild Mortgage, 4 loans*, 360-280-1467 

Ron Hanson, Guild Mortgage, 3 loans*, 360-402-4697,

* number of Commission Loans closed in the last quarter

Whatcom and Skagit Counties

Josh Henry, Guild Mortgage, 18 loans *, 360-746-8328,

Suzanne Devries, Umpqua Bank, 9 loans*, 360-333-0429,

Dustin Brumley, Caliber Home Loans, 7 loans*, 360-389-6605, 

Casey Porter, Caliber Home Loans, 5 loans*, 360-398-5834,

Melanie Pysden, Caliber Home Loans, 5 loans*, 360-922-7693,

* number of Commission Loans closed in the last quarter


Raymond Wallace, HomeStreet Bank, 3 loans*, 509-332-7708,

* number of Commission Loans closed in the last quarter

Yakima County

Fenja Swope, The Advisors, 8 loans*, 509-457-6552

Chrissy Andreas, Evergreen Home Loans, 5 loans*, 509-594-4671, 

Linda Orozco, Evergreen Home Loans, 5 loans*, 509-594-4663, 

Brian Brennan, Umpqua Bank, 4 loans*, 509-607-4980,

Janet Filcher, Skyline Home Loans, 4 loans*, 509-895-5645

* number of Commission Loans closed in the last quarter


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