Premier Partners

Loan Officers who have helped the most homebuyers to use WSHFC Programs last year:

Jason Gosser KarenKoenig Joshua Henry Jeff Miltenberger Mark D. Williams Laura Wells Keane Ng Ryan Dorman Michael Fornerette Sunny Wilson

JASON GOSSER, Guild Mortgage, Everett/Marysville/Lynnwood

KARIN KOENIG, Eagle Home Mortgage, Bellevue

JOSHUA HENRY, Caliber Home Loans, Inc., Bellingham

JEFF MILTENBERGER, Guild Mortgage, Lynnwood

MARK D. WILLIAMS, Evergreen Home Loans, Bellevue/Bothell/Federal Way

LAURA WELLS, CMPS, Envoy Mortgage, Spokane

KEANE NG, CrossCountry Mortgage, Inc., Renton

RYAN DORMAN, Evergreen Home Loans, Puyallup

MICHAEL FORNERETTE, Guild Mortgage, Tacoma

SUNNY WILSON, Eagle Home Mortgage, Puyallup

Top Loan Officers by Region

Home Advantage Program Participating Lenders

Verify a mortgage company or individual:

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


Karen Koenig


KARIN KOENIG, Eagle Home Mortgage, Bellevue
As a Premier Partner and loan consultant with over 26 years of experience, I am proud to have helped hundreds of families into home ownership. One of my greatest joys in life is sharing the options available to families so that they may escape the unpredictability of renting; I believe this stabilizes families and helps communities grow. Through my years of experience working with buyers from Whatcom to Thurston County I am able to provide education on specialized programs for differing areas, consult on credit, & help you understand the many financial options available to you and your family so that you may achieve your financial goals. From the initial phone call to your final name on title with keys in hand; my team and I are here to walk you through the process and answer your questions along the way. If you are ready to make that call and find out what is available to you, call Karin at 425-822-6783, or email at MLO #117039


Joshua Henry


JOSHUA HENRY, Caliber Home Loans, Inc., Bellingham
Joshua Henry has helped many people achieve their goal of affordable homeownership with the assistance of the Home Advantage loan program and other loan programs 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 2016. 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 over 22 years of experience, Jeff Miltenberger has remained steadfast in his mission to provide affordable home financing, unsurpassed service, and a dedication to his client's needs. Jeff’s experience ranges from educating a first-time homebuyer on making the best decisions for their financial situation to helping his repeat and lifelong clients make their next purchase. He is extremely educated on the WA State Housing Finance Commission loan programs, insuring his clients will have the best possible outcome for their personal situation. Jeff never loses focus on the main goal: Helping clients turn dreams of home ownership into a reality! To get the application started you can give Jeff a call at 206-295-8455 and go through it on the phone or, if you prefer, you can go to his website, and fill out the secure online application. Contact Jeff at 206-295-8455 or email  MLO #108278


Mark D. Williams



MARK D. WILLIAMS, Evergreen Home Loans, Bellevue, Bothell, and Federal Way
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



Laura Wells


LAURA WELLS, CMPS, Envoy Mortgage, Spokane
Laura Wells has over 26 years of experience in mortgage lending and holds the designation of Certified Mortgage Planning Specialist. A seasoned Premier Partner, Laura has helped more than 2,900 low-to-moderate income families in Spokane on their paths to homeownership. Laura works with her 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, she feels the Commission’s programs including the Home Advantage and HomeChoice programs are among the most helpful, unique ways to meet borrower’s financial goals. Laura is passionate about improving lives through home ownership and one of the ways she helps borrowers is by holding weekly 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 877-862-8362 - Toll Free number; 509-590-1438 - Eastern Washington; 360-203-7722 - Western Washington, or email her at MLO #330328


Keane Ng

KEANE NG, Cross Country Mortgage, Inc., Renton
Keane’s passion in lending is to serve his community, unconditionally with exceptional expertise. In this pursuit, he has become a leading resource for Washington State Housing Finance Commission loan programs. Keane’s objective is to thoroughly understand your goals, needs and challenges to build a custom plan with your ideal loan program. With the many benefits of the Commission’s down payment assistance programs, Keane and his team have become very skilled in all the nuances of the many options available to you. It is Keane’s objective to provide stellar communication, skilled expertise and education throughout the loan process. Keane and his team of licensed loan officer assistants have more than 75 years of combined industry experience. If you are ready to achieve your goal of home ownership, Keane and his team can be reached at by phone or text 206-650-4041, email at, or at MLO #115042. 


Randy Dorman


RYAN DORMAN, Evergreen Home Loans, Puyallup
Nothing makes Ryan happier than seeing our customers become homeowners. He understands that sometimes homeownership may seem like just a dream. Ryan has a proven track record of seeing homeownership become a reality with a range of affordable options, one of them being the loan programs offered through the Washington State Housing Finance Commission. For Ryan and his team, it is a true honor and privilege to help our communities grow and see the smiles on the faces of the families we help. Contact Ryan at 206-519-3752  or email or visit . MLO #269939 


Michael Fornerette


MICHAEL FORNERETTE, Guild Mortgage, Tacoma
I am passionate about educating and guiding first and repeat buyers through the maze of home financing. My team and I understand there is the fear of the unknown of the process. We are committed to being patient and dedicated to making sure you have the best experience possible. With our knowledge and constant communication throughout the process, we understand this is important to you the home buyer. My team and I have been recognized as being in the top 1% of all loan officers in the country by Mortgage Executive so that speaks to buyers and agents trusting in us to guide them and serve. We'd be honored to serve you and earn your business. My team and I can be reached at or 253-830-2312. MLO #121193


Sunny Wilson


SUNNY WILSON, Eagle Home Mortgage, Puyallup
Sunny Wilson is a native Washingtonian, and has been in the mortgage industry since 2005. She specializes in working with first time home buyers, educating the community, and home buyers of all ages through the home buying process. Her passion is guiding new home buyers and helping them realize their dream of home ownership. Washington State House Financing Commission offers many programs to promote home ownership including a program specific to Pierce County. This is a big reason why she loves offering these programs to home buyers. Sunny also teaches free, Commission sponsored Home Buyer Education Classes weekly in the south sound area. Sunny and her team strive to provide top notch service to each client, communicate openly and honestly, creating a positive experience they will remember for a life time. When she isn’t working, Sunny can be found enjoying the outdoors, with her family and 2 dogs. If you interested in purchasing a home or attending a class, please do not hesitate to call, email, or text. Sunny’s contact information: 425-876-4959,, MLO #505811


Listed are the top five in each region with a minimum of two WSHFC loans in the last quarter, April–June 2017*.

County: Benton, Frankln | Chelan | Clallam | Clark, Cowlitz | Grant | King | Kitsap |
Pend Oreille | Pierce | Snohomish | Spokane | Thurston, Lewis | Whatcom, Skagit | Yakima

Benton and Franklin Counties

Mark Manthei, Summit Funding, Kennewick, 16 loans*, 509-783-4593,

Michael Denslow, HomeStreet Bank, Kennewick, 13 loans*,

Jonas Rosenberg, Summit Funding, Kennewick, 9 loans*, 509-783-4593,

Mark Carroll, HomeStreet Bank, Kennewick, 8 loans*, 509-572-3654,

Scott Unger, HomeStreet Bank, Kennewick, 7 loans*, 509-572-3652,

Chelan County

April Brown, Evergreen Home Loans, Wenatchee, 2 loans*, 509-664-3634,

Clallam County

Michele Adkisson, Evergreen Home Loans, Sequim, 3 loans*, 360-689-9168,

Clark and Cowlitz Counties

Rochelle Gano, Umpqua Bank, Vancouver, 6 loans*, 360-696-4266,

Angelina Rice, Life Mortgage, Longview, 5 loans*, 360-575-9946,

Azure Calder, Evergreen Home Loans, Vancouver, 4 loans*, 360-314-0350,

Deanna McClelland, Primary Residential Mortgage, Vancouver, 4 loans*, 360-936-0869,

Gary Lawrence, Pinnacle Capital Mortgage, Vancouver, 4 loans*, 360-433-0330,

Jim Misner, Pinnacle Capital Mortgage, Vancouver, 4 loans*, 360-558-5198,

Mike Bettineski, Guild Mortgage, Longview, 4 loans*, 360-220-6607,

Grant County

Anne Fisher, Guild Mortgage, Moses Lake, 5 loans*, 509-766-7788,

King County

Karin Koenig, Eagle Home Mortgage, Bellevue, 17 loans*, 425-822-6783,

April Reichert, Guild Mortgage, Federal Way, 11 loans*, 253-830-2319,

Daniel Mery, American Pacific Mortgage, Bellevue, 9 loans*, 206-293-2920,

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

Amir Sheibani, HomeSight, Seattle, 7 loans*, 206-760-4228,

Mary Ann Nicholes, American Pacific Mortgage, Bellevue, 7 loans*, 206-781-2465,

Kitsap County

Becky Johnson, Fairway Independent Mortgage, Silverdale, 4 loans*, 360-949-1582,

Chris Garcia, Movement Mortgage, Silverdale, 4 loans*, 360-558-3117,

Stephen Coupe, Directors Mortgage, Silverdale, 4 loans*, 360-698-3020,

Walt Hannawacker, Fairway Independent Mortgage, Silverdale, 4 loans*, 360-949-1804,

Amber Page, Evergreen Home Loans, Silverdale, 3 loans*, 360-698-6495,

Maureen Gilbert, Axia Home Loans, Bainbridge Island, 3 loans*, 360-813-8311,

Peggy Zamzow, Eagle Home Mortgage, Port Orchard, 3 loans*, 360-401-3258,

Pend Oreille County

Robin Malsbury, Old Republic Mortgage, Newport, 6 loans*, 509-447-5626,

Pierce County

Michael Fornerette, Guild Mortgage, Tacoma, 13 loans*, 253-830-2323,

Daniel Sapegin, Mortgage Solutions of Colorado, Tacoma, 8 loans*, 253-444-0934,

Joe Raquiza, Absolute Mortgage, University Place, 8 loans*, 253-617-1555,

Bill Dunger, Absolute Mortgage, University Place, 7 loans*, 253-348-2364,

Ryan Dorman, Evergreen Home Loans, Puyallup, 7 loans*, 206-466-4575,

Snohomish County

Jason Gosser, MLO-120413, Guild Mortgage, Everett/Marysville/Lynnwood, 32 loans*, 425-615-6303,

Kris Crane, Crane Financial Group, Snohomish, 8 loans*, 360-217-1017,

Jeff Miltenberger, Guild Mortgage, Lynnwood, 7 loans*, 206-295-8455,

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

Oleg Tkach, Guild Mortgage, Lynnwood, 5 loans*, 425-412-5233,

Spokane County

Laura Wells, MLO-330328, Envoy Mortgage, Spokane, 16 loans*, 877-862-8362,

Julia Hansen, Guild Mortgage, Spokane Valley, 10 loans*, 509-279-2320 ext. 23, 

Terry Wiyrick, Umpqua Bank, Spokane, 10 loans*, 509-842-9558,

Stephen Boyd, Opes Advisors, Spokane, 9 loans*, 509-280-6484,

Steve Morgensen, HomeStreet Bank, Spokane, 9 loans*, 509-723-8030,

Thurston and Lewis County

Michelle Wickett, Axia Financial, Lacey, 8 loans*, 360-459-1200,

Wendy DeBorde, Guild Mortgage, Olympia, 6 loans*, 360-491-3282,

Brandy Nelms, Guild Mortgage, Olympia, 5 loans*, 360-280-1467,

Ron Hanson, Guild Mortgage, Olympia, 5 loans*, 360-402-4697,

McKenzie Kelly, Prime Lending, Centralia, 4 loans*, 360-807-4491,

Travis Wentworh, Academy Mortgage, Centralia, 4 loans*, 360-508-1360,

Whatcom and Skagit Counties

Casey Porter, Caliber Home Loans, Bellingham, 9 loans*, 360-398-5834,

Suzanne Devries, Umpqua Bank, Mount Vernon, 8 loans*, 360-416-2332,

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

Hendor Rodriguez, Caliber Home Loans, Bellingham, 5 loans*, 360-398-5848,

Melanie Pysden, Caliber Home Loans, Bellingham, 5 loans*, 360-922-7688,

Nicole Walker, Umpqua Bank, Bellingham, 5 loans*, 360-733-3421,

Yakima County

Fenja Swope, Caliber Home Loans, Yakima, 7 loans*, 509-457-6552,

Summer Pineda, HomeStreet Bank, Yakima, 6 loans*, 509-654-7517,

Janet Filcher, Skyline Home Loans, Yakima, 3 loans*, 509-895-5645,

Linda Orozco, Evergreen Home Loans, Yakima, 3 loans*, 509-594-4663,

Angie Giussi, Evergreen Home Loans, Yakima, 2 loans*, 509-594-4681,

Brian Brennan, Umpqua Bank, Yakima, 2 loans*, 509-469-2586,

Chrissy Andreas, Evergreen Home Loans, Yakima, 2 loans*, 509-594-4671,

Griselda Silva, Umpqua Bank, Yakima, 2 loans*, 509-426-6103,

Kathy Weber, Skyline Home Loans, Yakima, 2 loans*, 509-895-5655,


* number of WSHFC Loans closed in the last quarter


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