Finding the home of your dreams starts with a strong prequalification from smartmortgage.com
Finding the home of your dreams starts with a strong prequalification from smartmortgage.com
Monthly Payment Calculator
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Determine payments based on rate, down payment and other important factors.
Affordable Payment Calculator
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Learn how much you can afford.
Finding the home of your dreams starts with a strong prequalification from smartmortgage.com
Accelerate Ownership
Whether you plan to stay in your home for two years or forever, it is important to know how to accelerate your ownership.
Accelerate Ownership
Whether you plan to stay in your home for two years or forever, it is important to know how to accelerate your ownership.
Accelerate Ownership
Whether you plan to stay in your home for two years or forever, it is important to know how to accelerate your ownership.
Accelerate Ownership
Whether you plan to stay in your home for two years or forever, it is important to know how to accelerate your ownership.
Do I qualify?
You can perform this analysis yourself by following a few simple steps. GET STARTED
Frank helped us refinance our home with some cash out to pay some college tuition. We originally called about a home equity loan. Frank showed us the wiser choice was to refinance with cash out. We lowered the interest rate, lowered our payment, used the cash out to open a 529 account, pay tuition, and save money! He made it so simple and easy. Everything was completed in a few weeks. His experience paid off for us. Don’t call anyone else. Call Frank Ruzicka at Cornerstone Mortgage! Listen to his advice and then take it. You will not be disappointed.
Scott and Maggie S.
Read More Testimonials for Frank Ruzicka
I was referred to Vince through my real estate agent’s company and Vince could not have made the process of obtaining a mortgage easier! He walked me step by step through what would occur and did not mind answering every question I had. Even after closing, he was helpful and went above and beyond. I […]
Vince was awesome! He was helpful throughout every process and was prompt with relaying information and answering any questions. He’s very friendly and goes through all information step by step to ensure that you understand what is going on. As a first time homebuyer it made the process easier to understand. I highly recommend him! Satisfied […]
We’ve had the distinct pleasure of working with Vince O’Brien and highly recommend him. He is an expert on a wide variety of loan products and is adept at recommending the right product for any mortgage need. No matter the obstacle we encountered, Vince provided trusted counsel and took the stress out of our process […]
Senior Loan Officer
NMLS: 50816
Christopher is a charismatic and seasoned Mortgage Consultant with a rare blend of exceptional service and unique, competitive financing options.
Whether you’re an out-of-state buyer looking to relocate, looking to buy your first home, refinance your existing home, or even looking to add another investment property to your rental portfolio, Christopher is eager to leverage ten years of lending expertise to craft a tailored solution for you.
Ready to work with Christopher? Contact him today.
NMLS ID #50816
I am authorized to do business in the states of California, Colorado, Florida, Illinois, Kansas, Missouri, South Carolina and Texas. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; (www.nmlsconsumeraccess.org);
Senior Loan Officer
NMLS: 454668
Russ Moore is a Senior Loan Officer with SmartMortgage.com. He is a 30 year industry veteran. Russ has helped thousands of families realize their dream of homeownership. The key to Russ’ success has been communication. From the first pre-approval conversation, to the closing table, his customers know where they are in the loan process.
In his own words, Russ states “I try to make obtaining a mortgage quick and easy, with no surprises.”
Whether you’re a first-time buyer purchasing a starter home or making a move up to your dream home, Russ has the skill and knowledge to help you pick a loan program and manage the loan process through closing.
Ready to work with Russ? Contact him at [email protected]
NMLS ID #454668
I am authorized to do business in the states of California, Colorado, Florida, Illinois, Kansas, Michigan, Missouri, Ohio, South Carolina and Texas. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; (www.nmlsconsumeraccess.org);
Loan officer
NMLS: 1253606
CJ Jordan is a Loan Officer at SmartMortgage.com, a division of Guild Mortgage Company. He has a passion for helping his clients achieve the American dream of owning their own home. CJ works diligently to make sure that dream is both attained and retained.
CJ believes that the process of attaining a mortgage is much more than a transaction, it’s about building long lasting relationships with his clients. He achieves this by working closely with his customers every step of the way. CJ utilizes his sound knowledge of the mortgage industry to offer the absolute best lending options available.
Ready to work with CJ? Contact him today.
NMLS ID #1253606
I am authorized to do business in the states of California, Florida, Illinois, Missouri and Texas. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; (www.nmlsconsumeraccess.org);
Senior Loan Officer
NMLS: 500388
Mark Carrico has 27 years of experience in the mortgage industry. Mark started his mortgage career in 1991. For 15 years, Mark worked as the operations manager of Mortgage Resources Incorporated.
Mark’s number one priority is maintaining his relationships with his clients and referral partners. Mark is available 24 hours a day, 7 days a week to answer any of your financing questions. He will do whatever it takes to make sure his loan commitments are issued well before their due date. Mark firmly believes that the “customer is always right”. Mr. Carrico is extremely dedicated to his clients. He strives to offer them the best program to fit their individual needs.
Mark was born and raised in St. Louis, MO. Before working as a loan originator, Mr. Carrico was a police officer for almost 18 years.
Contact Mark Carrico today for all of your home financing needs.
NMLS ID #500388
I am authorized to do business in the states of California, Colorado, Florida, Illinois, Kansas, Michigan, Missouri, Ohio and Texas. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; (www.nmlsconsumeraccess.org);
Operations Manager
NMLS: 1099033
Beth Kullmann has been in the mortgage industry for 20 years. Starting as a mortgage loan processor, Beth is familiar with all aspects of the mortgage loan process including underwriting portfolio loans, closing, post-closing, loan servicing, and origination.
Beth knows every borrower has different needs. She knows how to create an environment of understanding and confidence for her clients. Beth understands that being transparent is vital to a smooth transaction. She tells her borrowers what they need, why they need it, helps them understand the mortgage process and gives them realistic expectations for the process. She believes taking the time to listen to and understand the borrower is the key to structuring the right loan for their situation. Guild Mortgage Company offers conventional, FHA/VA, 203K, jumbo, new construction, and USDA. Guild also has great programs available for first-time homebuyers with down payment assistance available.
Beth has a degree in interior design. She lives in South County with her husband of 23 years, Bill, and their two daughters.
Beth Killmann is authorized to do business in the state of Missouri.
Regional Vice President, Midwest
Angi Stevenson joined Guild Mortgage in 2018 when Guild acquired her firm, Cornerstone Mortgage, based in St. Louis, Mo., where she served as president and CEO. She oversees Guild’s Midwest Region, with offices in Missouri, Illinois and Kansas.
She co-founded Cornerstone in 1996 with the late Jim Dean and helped establish the company as a leading residential mortgage lender, widely recognized for its growth and as a top place to work, with an annual loan volume of more than $1 billion.
Ms. Stevenson started in the industry in 1985, advanced rapidly in sales and leadership positions, including seven years at Security Financial Mortgage, prior to founding Cornerstone. She is involved in the St. Louis community, supporting local charities and organizations, such as Nurses for Newborns and The Backstoppers, Inc.
Loan Officer
NMLS: 1508798
Kelly Kelley is a Loan Officer at the online division, SmartMortgage.com, a division of Guild Mortgage Company. She is a former Realtor and has experience in banking. Kelly is passionate about partnering with clients to find solutions that best fit their financial needs and helping them achieve homeownership.
Nathan Smith comes to SmartMortgage.com, a division of Cornerstone Mortgage, Inc. with over four years of lending experience (1 year of mortgage experience). He operates on the principle that every client should be treated like a friend. This philosophy shows in the customer experience Nathan creates from the first meeting to the closing table. Honesty and working diligently on all loans is what Nathan’s past customers have come to expect when working with him.
Out of the office, Nathan enjoys adventure motorcycle riding and camping. He is an Eagle Scout, so these activities have been a part of his life for a long time. When not outdoors, he enjoys constant self-improvement and tries to master one new skill every six months.
Whether buying your first home, refinancing or taking on another investment property, Nathan will guide you through the process. Making your mortgage loan experience positive and enjoyable is his number one goal.
Senior Loan officer
NMLS: 296402
Greg is a Senior Loan Officer with SmartMortgage.com. He is a 15 year industry veteran.
In Greg’s words, “The principle by which I measure my success in the service arena is one I like to call the ‘Wow factor.’ My sole objective as a lending professional is to ‘Wow’ my clients with unexpected service and professionalism.”
For Greg, making new friends is particularly fulfilling and is the center of how he conducts his business. Knowledge, dedication and teamwork are essential to him. His pledge to you is to utilize those principles in your real estate financial transactions.
Ready to work with Greg? Contact him at [email protected]
Senior Loan Officer
NMLS: 738399
Dan Cunningham is a Senior Loan Officer with SmartMortgage.com. He is a 14 year industry veteran, working in the wholesale and retail channels. Dan has a desire to provide the best possible experience every time.
In his own words, Dan states “The best compliment I could receive is a referral”.
Dan understands the mortgage industry can be a fiercely competitive market. He also believes that there is more to home financing than simply securing the lowest interest rate. That’s why he asks a lot of questions and takes the time to listen to your answers concerning your overall financial picture. Whether you are buying your first home or refinancing an existing loan, Dan wants to offer you the best option to achieve your financial goals.
Ready to work with Dan? Contact him at [email protected]
Senior Loan Officer
Gary Gorsuch is a Senior Loan Officer with SmartMortgage.com. He is a 15-year industry veteran. Gary has worked in the wholesale, retail and consumer direct channels.
Gary measures his success by the satisfaction of his clients. He believes that helping others achieve their objectives means he has reached his own goals. Gary is a multi-million dollar producer that is happy to work for SmartMortgage.com, a division of Cornerstone Mortgage Inc., who process, underwrite and close their own loans. He knows that having his client’s loans closed correctly and on time is vital in the mortgage business.
Ready to work with Gary? Contact him today at [email protected].
