A family of four laughing together in front of their home at sunset.

A decision this big deserves a better mortgage process.

Easy, transparent, fairly priced and predictable. Know where your loan stands, have a dedicated loan officer with you the whole way, and get ahead of issues before they become surprises.

How much house can you afford?

$8,000
$500
$40,000
What goes into this estimate

Illustrative assumptions: a 30-year loan at 6.5% interest, not a current rate. The model allocates 36% of gross income to debt, then reserves 20% of the remaining housing budget for estimated taxes and insurance.

Actual taxes, insurance, mortgage insurance, HOA fees, credit, loan limits, closing costs, and lender requirements can change the result. This is not a lending decision. Your inputs stay in this browser and are not stored or sent.

A home price within reach$341,233
Your monthly housing budget
$2,380
The loan that supports
$301,233
Your down payment
$40,000
Talk through your numbers

An estimate, not an approval or a quote. Being short is not a no; bring us the numbers and we will look at it properly.

Tell us once

Answer plainly and upload what you have. Elio organizes your information and puts it where it needs to go, so you aren't asked for the same thing again and again.

We run the file

Elio handles the work required to keep your mortgage moving, while your loan officer stays on top of the process and guides you through every decision.

You watch it move

Follow your loan from application to closing, with clear updates, visibility into what comes next and fewer surprises along the way. Your loan officer is there whenever you need them.

Why Elio

Fewer delays. Fewer surprises.

Elio keeps the work behind your mortgage connected, reducing the manual handoffs that can lead to mistakes and delays. Your loan officer spends less time chasing the process and more time helping you through it.

You always know where you stand

The worst part of a mortgage is silence. Elio gives you clear visibility into where your loan stands, what comes next and when your attention is needed.

More lenders competing for your loan

Elio isn't limited to one lender's products or rate sheet. We can compare options across lenders to find financing that fits your needs and gives you competitive pricing.

A family sitting together outside their home.

What you'll need to get started

Have a government-issued ID, recent income and asset information, and details about the property if you've already found one. That's enough to begin. We'll tell you exactly what else is needed as your loan moves forward.

Loan products

More lenders and more ways to finance your home, so your loan officer can find an option that fits you.

Conventional

Flexible financing for many homebuyers, with a range of down payment and term options.

FHA and VA

Government-backed financing with flexible credit and down payment requirements.

Jumbo

Financing for higher-value homes that exceed conventional loan limits.

Non-QM

More flexible options for borrowers whose income, assets or financial circumstances don't fit traditional lending requirements.

Borrowers who closed with Elio

One word. Outstanding. We had started our loan process with another lending company. After two weeks and almost zero communication, we contacted Jeff. In eight days, we went from out of the loop to closing! Jeff and his team were always there. Fast, efficient, respectful and unwavering in their dedication to serve their client.
BorrowerClosed with Jeff Kushnir
Amazing, thoughtful, and timely job. Justin and the team met our goal of a quick close to help us with some financial things. They went above and beyond with staying on top of this no matter what time they were on it. Huge blessing for us. I highly recommend them, you will not be disappointed!
Dave and AshleeClosed with Justin Nadal
Steven Carey went above and beyond throughout the entire mortgage process, providing exceptional communication, knowledge, and dedication while making everything incredibly smooth and stress-free. I would highly recommend Steven to anyone looking for a mortgage broker who genuinely cares about his clients, stays on top of every detail, and gets things done.
Joseph NeargarderClosed with Steven Carey

Where we lend

Serving borrowers in 22 states.

View licensing information
Alabama — availableAlaskaArizona — availableArkansas — availableCaliforniaColorado — availableConnecticutDelawareFlorida — availableGeorgia — availableHawaiiIdahoIllinois — availableIndianaIowaKansas — availableKentucky — availableLouisiana — availableMaine — availableMaryland — availableMassachusettsMichigan — availableMinnesotaMississippi — availableMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth Carolina — availableNorth DakotaOhioOklahoma — availableOregon — availablePennsylvaniaRhode Island — availableSouth Carolina — availableSouth DakotaTennessee — availableTexas — availableUtahVermontVirginiaWashingtonWest VirginiaWisconsin — availableWyoming

Highlighted dots indicate the approved lending footprint.

  • Alabama
  • Arizona
  • Arkansas
  • Colorado
  • Florida
  • Georgia
  • Illinois
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Michigan
  • Mississippi
  • North Carolina
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Wisconsin

Questions

Every Elio loan officer, with their licensed states, specialties, and background. Pick the person you want, or let us match you.

A few newly licensed loan officers are still waiting on their portrait and biography.

Whether you are a seasoned real estate investor or a first-time homebuyer, we know what it is like to apply for a mortgage and we strive hard never to forget that feeling. We’re excited for the opportunity to earn your trust by offering the right mortgage for your unique financial scenario, providing competitive & fair pricing, and by making sure you are properly communicated to so you have the information you need to know.

Languages
English

Licensed in FL, TN, ME

Buying a home is a big decision, and the financing process can sometimes feel overwhelming. My goal is to make it easier by providing clear answers, straightforward guidance, and a financing plan that makes sense for your goals. Whether you’re buying your first home, purchasing an investment property, building a new home, or exploring reverse mortgage options, I’ll take the time to understand what matters to you, find the right financing solution for your needs, and explain the process every step of the way. You deserve to understand your options, feel confident in your decisions, and know what to expect throughout the process. As a Florida native who spent most of my life in South Florida before relocating to the Treasure Coast in 2020, I have a genuine connection to the communities I serve. I understand that every client’s situation is different, and I’m here to help you make a confident decision that fits your goals and your future. To me, a mortgage is about more than numbers. It’s about helping you reach an important milestone and making sure you feel supported from the first conversation through closing. With personalized service, transparency, and consistent communication, my goal is to make your financing experience feel clear, manageable, and like you have someone in your corner.

Languages
English

Licensed in FL, GA, IL, KS, NJ, NC, TN, TX

I believe great mortgage companies are built by investing in people. Throughout my career, I've had the opportunity to work across loan origination, operations, business development, and sales support, giving me a unique perspective on what it takes to help both clients and loan officers succeed. I'm passionate about helping loan officers and sales teams build businesses that align with their personal and professional goals. Whether it's streamlining operations, creating growth strategies, strengthening referral relationships, recruiting top talent, or providing day-to-day support, I enjoy helping others reach the next level while creating exceptional experiences for the clients they serve. I believe leadership is rooted in service, communication, and consistency. My approach is collaborative, solutions-focused, and built on long-term relationships that create lasting success for both our team and our partners. While much of my focus is dedicated to supporting and growing our sales organization, I also continue to work directly with homebuyers and homeowners, providing knowledgeable guidance and personalized mortgage solutions with the same commitment to integrity, professionalism, and care.

Languages
English

Licensed in FL

Whether you are a seasoned real estate investor or a first-time homebuyer, we know what it is like to apply for a mortgage and we strive hard never to forget that feeling. We’re excited for the opportunity to earn your trust by offering the right mortgage for your unique financial scenario, providing competitive & fair pricing, and by making sure you are properly communicated to so you have the information you need to know.

Languages
English

Licensed in AL, AZ, AR, CO, FL, GA, IL, KS, KY, LA, ME, MI, MS, NC, OK, RI, SC, TN, TX, WI

Serving the great state of Texas for over 25 years. My father is a veteran and worked as a diesel mechanic for over 30 years. He instilled the values of hard work, honesty, and integrity. With these values every client is treated as a family member, and your transaction is much, much more than that to me. In most cases it is the most important transaction you will have in your lifetime. Whether you’re buying, refinancing, or taking equity out of your home, I am your trusted advisor for life when it comes to your mortgage needs.

Languages
English

Licensed in TX

Whether you are a seasoned real estate investor or a first-time homebuyer, we know what it is like to apply for a mortgage and we strive hard never to forget that feeling. We’re excited for the opportunity to earn your trust by offering the right mortgage for your unique financial scenario, providing competitive & fair pricing, and by making sure you are properly communicated to so you have the information you need to know.

Languages
English

Licensed in FL, TN

With years of experience in the mortgage industry, I’ve helped countless Texans navigate the home loan process with confidence. Born and raised in Houston, I understand the local market and what it takes to get buyers into their dream homes. Whether you're a first-time homebuyer, a military veteran, or looking to refinance, I’m here to make the process smooth and stress-free. As a true Texan at heart, I take pride in providing honest advice, top-notch service, and loan solutions tailored to your unique needs. My goal is to simplify home financing, ensuring you feel informed and supported every step of the way. Let’s make homeownership happen—reach out today, and let’s talk about your next move!

Languages
English, Spanish

Licensed in TX

Hi, I’m Tina, a mortgage professional serving homebuyers and homeowners throughout Port St. Lucie and Florida’s Treasure Coast. I hold a master’s degree in management and bring more than 15 years of experience helping people navigate stressful situations and complicated decisions. I understand that getting a mortgage can feel overwhelming, so my goal is to make the process easier to understand, keep you informed, and help you feel confident at every step. Whether you’re buying your first home, moving to Port St. Lucie, purchasing your next property, or exploring refinancing options, I’ll take the time to understand your goals and find the mortgage solution that makes the most sense for you. You can expect honest guidance, clear communication, and someone who genuinely cares about getting you to the closing table. If you’re looking for a trusted mortgage professional in Port St. Lucie, St. Lucie County, or the Treasure Coast, I’d love the opportunity to help you move forward.

Languages
English

Licensed in FL

Kortnie Dugo is a trusted Loan Officer at Elio Mortgage, dedicated to providing tailored mortgage solutions to meet her clients’ unique financial goals. She takes pride in building lasting relationships through honesty, responsiveness, and attention to detail. Whether purchasing a new home or refinancing an existing loan, Kortnie is committed to delivering a seamless experience while helping clients secure competitive rates and favorable terms.

Languages
English

Licensed in FL

John Evola is a Senior Mortgage Strategist with Elio Mortgage, helping homebuyers, homeowners, and real estate professionals navigate financing with clarity, speed, and confidence. Based in Louisville, Kentucky, John brings over 35 years of experience in the real estate industry to every mortgage conversation. He specializes in finding solutions beyond the ordinary, especially for borrowers whose needs don’t fit neatly inside a traditional lending box. His expertise includes conventional financing, doctor loans, bank statement programs, construction loans, and financing strategies that can help homeowners buy before they sell. John combines modern mortgage technology with hands-on strategy and personal accountability. He identifies potential obstacles early, communicates clearly, and structures a strong path forward. Technology can make the process faster. Relationships, judgment, and execution are what get clients to the closing table.

Languages
English

Licensed in KY

Will Fabel is a dedicated mortgage professional serving homebuyers throughout Alabama and Florida. With experience across a wide range of loan programs, including conventional, FHA, VA, USDA, DSCR and bank statement loans.  Will takes pride in making the mortgage process simple and understandable. He believes in building lasting relationships with his clients and Realtor partners through responsive service, honest communication, and a commitment to finding the right financing solution for each borrower.

Languages
English

Licensed in AL, FL

Tara Betancourt is a dedicated Loan Officer at Elio Mortgage, committed to helping clients navigate the home financing process with ease. She takes pride in providing personalized solutions tailored to each borrower’s unique financial goals. Tara works closely with clients to ensure a smooth, transparent, and stress-free mortgage experience from start to finish.

Languages
English

Licensed in FL, TN

Hi, I’m Stephanie Gomez and I’m here to help make home financing feel less intimidating and more doable. Buying a home can feel overwhelming, especially if it’s your first time. My goal is to simplify the process by walking you through each step with clear communication, education, and support from preapproval all the way to closing. I work with clients in both English and Spanish to ensure nothing gets lost in translation. Rather than just processing a loan, I focus on educating you along the way, breaking down numbers, timelines and options in a way that actually makes sense. I want you to feel informed, empowered and comfortable with every decision you make, not rushed or left guessing. Whether you’re a first time buyer or returning to the market, I’m here to answer your questions and guide you every step of the way. I appreciate the opportunity to work with you and look forward to helping you achieve your homeownership goals.

Languages
English, Spanish

Licensed in TX

With experience spanning capital markets, mortgage operations, business development, and loan origination, I bring a well-rounded perspective to helping clients achieve their homeownership goals. Throughout my career, I've helped build and support mortgage businesses while guiding homebuyers through one of life's biggest financial decisions with clear communication and a client-first approach. When I'm not working with clients, I enjoy spending time with my family, golfing, skiing, and taking advantage of everything Colorado has to offer. I believe buying a home should be an exciting experience, and I'm committed to making the financing process as smooth, transparent, and stress-free as possible.

Languages
English

Licensed in CO

Whether you are a seasoned real estate investor or a first-time homebuyer, we know what it is like to apply for a mortgage and we strive hard never to forget that feeling. We’re excited for the opportunity to earn your trust by offering the right mortgage for your unique financial scenario, providing competitive & fair pricing, and by making sure you are properly communicated to so you have the information you need to know.

Languages
English

Licensed in FL

Walt Herschede is a dedicated Loan Officer focused on helping clients achieve their homeownership goals. He provides personalized guidance and clear communication throughout the mortgage process, making it easier for clients to understand their options and make confident decisions. Whether you’re buying a home, refinancing, or exploring your mortgage options, Walt is committed to making the process as smooth and stress-free as possible.

Languages
English

Licensed in FL, LA

After years as an elementary school teacher, I made the transition into mortgage lending with the same mission that guided my time in the classroom: educating, supporting, and empowering others. I understand that the homebuying process can feel overwhelming, especially for first-time buyers. I take pride in breaking down complex information into simple steps, answering questions, and helping my clients feel confident in their decisions. My goal is to provide more than just a loan — I want to create a positive, personalized experience and be a trusted partner for my clients from application to closing.

Languages
English

Licensed in FL

Hilary Jones is a Texas mortgage broker focused on making the home financing process clear, strategic, and efficient. She works with buyers across Texas, specializing in VA loans, first-time homebuyers, pilots and aviation professionals, and borrowers with more complex financial situations. As a former Army spouse and the wife of an airline pilot, Hilary understands firsthand the unique financial considerations that come with military and aviation careers. She brings that perspective, along with a strong understanding of loan guidelines and creative financing strategies, to every client she serves. Hilary is known for straightforward communication, attention to detail, and staying actively involved from application through closing. Her goal is simple: find the right financing solution, anticipate problems before they become problems, and make sure her clients understand exactly what they’re signing up for.

Languages
English

Licensed in TX

Whether you are a seasoned real estate investor or a first-time homebuyer, we know what it is like to apply for a mortgage and we strive hard never to forget that feeling. We’re excited for the opportunity to earn your trust by offering the right mortgage for your unique financial scenario, providing competitive & fair pricing, and by making sure you are properly communicated to so you have the information you need to know.

Languages
English

Licensed in TN

As your trusted lender, I will walk you through every step of the loan process and support you from pre-approval through your closing date. Whether you are a first time home buyer or seasoned buyer, you can trust me and my team with all of your home financing needs. Don’t hesitate to reach out using the direct contact information located on this page. I appreciate your business and look forward to working with you.

Languages
English, Spanish

Licensed in TX

Being a Mortgage Loan Officer is about more than securing a loan. It’s about being a trusted partner through one of the most important financial decisions of your life. This isn’t a typical 9-to-5 job. I make it a priority to be accessible and present for my clients from our first conversation through closing. You will never navigate the process alone we are in this together. I serve my clients with kindness, compassion, integrity, and tenacity. Every borrower has a unique story, and I take the time to explore every available option, leaving no stone unturned to help you achieve your goals. Backed by a dedicated team of mortgage professionals, I strive to make the loan process as smooth and stress-free as possible while educating and guiding you every step of the way. Whatever your situation, I’ll work tirelessly to help you find a path toward homeownership and financial success.

Languages
English, Spanish

Licensed in FL

Hi, I’m Mariah! I’m a Mortgage Broker proudly serving clients throughout Arizona and Texas, helping first-time homebuyers, growing families, investors, and homeowners looking to refinance with confidence. I believe getting a mortgage shouldn’t feel overwhelming. My goal is to make the process simple, transparent, and stress-free while finding the loan solution that best fits your goals—not a one-size-fits-all approach. Whether you’re purchasing your first home, upgrading to your forever home, or refinancing to save money, I’m here to guide you every step of the way. When I’m not helping clients, I’m a proud wife, girl mom to two amazing daughters, and a full-time cheer and dance chauffeur. Family is at the heart of everything I do, and I’m passionate about helping other families build wealth through homeownership. If you’re looking for a mortgage broker who genuinely cares, communicates openly, and will be in your corner from application to closing—and beyond—I’d love the opportunity to help.

Languages
English

Licensed in AZ, TX

Most people don’t call a lender because they’re excited about mortgages. They call because there’s a home they want or a financial goal they’re working toward—and a lot riding on whether the numbers work. Justin Nadal helps answer that question early, clearly, and honestly, so you understand your options and know what comes next. A Mortgage Loan Officer with Elio Mortgage, Justin is based in Citrus County and serves buyers and homeowners throughout Florida. Whether it’s a first home, more room for a growing family, a refinance, or an investment property, he starts with what you’re trying to accomplish. Then he puts the options side by side: what each one costs, how it fits your goals, and what trade-offs to consider. His background in operations management, business ownership, and coaching shaped the way he works. He knows the value of getting the details right and addressing potential problems early, while there’s time to work through them. He explains the complicated parts of a mortgage in language you can actually use. To Justin, a good experience means knowing who to call and feeling comfortable asking anything. You can expect a straight answer—even when it’s a difficult one—and someone willing to talk through what it means for you. Whether it ends with keys in your hand or financing that better fits your life, his goal is the same: to help you start the next chapter with confidence. Outside of work, Justin enjoys time with his wife and daughter, training in the gym, and getting out on the golf course.

Languages
English

Licensed in FL

Whether you are a seasoned real estate investor or a first-time homebuyer, we know what it is like to apply for a mortgage and we strive hard never to forget that feeling. We’re excited for the opportunity to earn your trust by offering the right mortgage for your unique financial scenario, providing competitive & fair pricing, and by making sure you are properly communicated to so you have the information you need to know.

Languages
English

Licensed in FL, TN

David Eric Pierce is a knowledgeable Loan Officer who is dedicated to helping clients achieve their homeownership goals. With a strong focus on communication and service, David ensures that borrowers fully understand their options and feel confident in their decisions. He strives to make the mortgage process efficient and straightforward for every client.

Languages
English

Licensed in FL

Colby Reeves is a dedicated Loan Officer at Elio Mortgage, committed to helping clients navigate the home financing process with confidence. Whether assisting first-time homebuyers or experienced homeowners refinancing, Colby works closely with each client to understand their goals and provide loan solutions that best fit their needs. With a strong focus on communication, transparency, and efficiency, Colby strives to make every transaction smooth and stress-free.

Languages
English

Licensed in FL

Jerome Rudolph’s background in education, athletics, and mortgage lending has always centered around one thing—helping people grow and move forward. As an educator, former collegiate athlete, and coach, Jerome has spent years teaching, mentoring, problem-solving, and helping people work through challenges. He brings that same mindset to every client he serves in the mortgage industry. As a husband and father, family is a major part of what drives him. Jerome understands that buying a home is about more than getting a loan. It can mean stability, creating opportunities for your family, building a legacy, and taking steps toward generational wealth through real estate. He enjoys working with people from all walks of life and takes pride in being flexible enough to meet clients where they are—from first-time homebuyers learning the process to seasoned investors growing their portfolios. Jerome’s goal is simple: listen to his clients, understand what they are trying to accomplish, educate them on their options, and help find a path that fits their needs.

Languages
English

Licensed in FL, GA

Whether you are a seasoned real estate investor or a first-time homebuyer, we know what it is like to apply for a mortgage and we strive hard never to forget that feeling. We’re excited for the opportunity to earn your trust by offering the right mortgage for your unique financial scenario, providing competitive & fair pricing, and by making sure you are properly communicated to so you have the information you need to know.

Languages
English

Licensed in FL

Hello, I’m Martha Villanueva, a bilingual Loan Officer with years of experience in the mortgage industry and a Master’s Degree in Business. I truly believe that buying a home is more than a financial decision—it’s the beginning of a new chapter and an important step toward your dreams. My goal is to make the mortgage process feel simple, comfortable, and stress-free by being there for you every step of the way. I take the time to listen to your goals, understand your unique financial situation, and help you find a loan solution that fits your needs. With honesty, transparency, and personalized service, I’m committed to making sure you feel informed and confident in your decisions. Whether you’re a first-time homebuyer, purchasing your next home, or refinancing, I’m here to guide you with the knowledge and care you deserve. I would be honored to be part of your homeownership journey and help turn your dreams into a place you can call home.

Languages
English, Spanish

Licensed in TX

David Walker Jr is a licensed mortgage broker and 20-year United States military veteran dedicated to helping families achieve homeownership in Florida. With a network of lenders, David offers conventional, FHA, VA, and non-conventional loan options — meaning no borrower gets turned away without exploring every possible path. He shops every loan across multiple lenders simultaneously to find the best rate and the right product for each individual situation. His background in the military shaped everything about how he works. Clear communication. Zero delay. No runaround. Clients always know exactly where they stand and what comes next. His clients consistently describe him as patient, available, and genuinely invested in their success — someone who walks every mile of the journey with them and doesn’t stop until they have their keys. Whether you are a first-time buyer, a veteran, self-employed, or simply tired of getting the runaround from big banks — David Walker Jr is in your corner.

Languages
English

Licensed in FL

I am a Personal Loan Advisor specializing in residential home financing. My goal is to give my customers top-notch customer service with an emphasis on communication and education. I understand that choosing the right lender for your home financing needs can not only be a stressful process but can also be one of the most important decisions in the home-buying or refinancing process. That is why my team and I at Elio Mortgage, an award-winning mortgage lender, make it our goal to treat each and every customer like our own family.

Languages
English

Licensed in FL

Nicohle Wildman is a licensed Mortgage Loan Originator in Florida with years of expertise in finance, residential construction, and leasing. She specializes in guiding individuals and families through the home financing process with integrity, clarity, and care. Known for her transparent communication and personalized approach, Nicohle ensures each step, from pre-approval to closing is smooth and stress-free. Grounded by her faith and shaped by her perspective as a mother, she brings both professionalism and compassion to every client relationship.

Languages
English

Licensed in FL

Eric Willner is a South Florida real estate investor, coach, licensed broker, and financial strategist with over 40 years of industry experience. He holds multiple professional designations — including Certified Mortgage Consultant, Registered Financial Consultant, and Certified Senior Advisor — and speaks four languages. He is best known as "The Voice of Real Estate" — host and founder of The Real Estate Show, America's longest-running daily real estate radio show, airing weekdays on Florida's Money Talk Radio Network and available on iHeart Radio, TuneIn, and Facebook. His mission is simple: teach everyday Americans how to use real estate to build wealth, eliminate debt, and achieve financial independence. He created the Automatic Landlord System — a proven framework for owning cash-flowing real estate profitably and hassle-free — and runs several platforms including AutomaticLandlord.com and TimeToFixMyCredit.com. Beyond broadcasting, Eric serves as President of the Florida Landlords Association, is a consistent top real estate producer, and has appeared in numerous seminars, TV segments, and publications in both English and Portuguese. Bottom line: Eric Willner is not just a radio host — he is a full-service real estate educator, investor, and advocate who has spent decades turning financial complexity into actionable strategy for his listeners, clients, and students.

Languages
English

Licensed in FL

Susan R. Yoder brings a client-focused approach to every mortgage transaction. As a Loan Officer at Elio Mortgage, she is passionate about guiding homebuyers and homeowners through every step of the loan process. Susan is known for her attention to detail and her commitment to helping clients secure the best possible loan options.

Languages
English

Licensed in FL