Loan Originators

When you work with 1st Securities Mortgage for your next mortgage or home loan, you aren’t just signing on to a big company. Every application we receive is assigned to a licensed loan originator, who handles the file from start to finish. Because we see your loan application as a partnership, we want you to know the loan originator you are working with.

Executive Team

With the exception of our Director of Marketing & Business Development, Tom Oslund, each member of our executive team is a licensed Loan Originator. You can learn more about our executive team on their biographical pages:

  • Keith Mackey – President/Loan Originator – NMLS ID #121568
  • Scott Isner – Vice President/Loan Originator – NMLS ID #121551
  • Angela Kakos – Vice President/Loan Originator- NMLS ID #166374
Jeff Berlin
Loan Originator
 Send email |  Call Jeff

Jeff Berlin is a licensed Mortgage Loan Originator with 1st Securities with over 10 years of experience. After leaving the industry for a short period, he is back in full force. Jeff graduated from Michigan State University, with a bachelors degree in Marketing and is a resident of Royal Oak, MI.  In his spare time he enjoys seeing live music.

"I enjoy helping people along with the biggest transaction of their lives. Whether it is a new home purchase, or helping a customer save a considerable amount of money through refinancing"

NMLS ID #1693676
Todd Caldwell
Loan Originator
 Send email |  Call Todd

Todd Caldwell is a licensed Mortgage Broker with 1st Securities Mortgage. He has been working as a broker since 2004 with experience in Michigan and Illinois. He has a bachelor’s degree from Purdue University. He has a wife, a teenage daughter, and an Australian Shepherd who doubles as a therapy dog in his wife’s psychotherapy office.

NMLS ID #172941
Karen Cooper-Green
Loan Originator
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Karen Cooper Green has been a licensed Mortgage Loan Originator with 1st Securities Mortgage for over 8 years. She is a certified loan instructor for the State of Michigan and a resident of Davidson, Michigan. Karen says:

“My goal is to find the right product for a client, whether it be a refinance or purchase. Understanding not only their wants but also their needs & to make the very complicated process as easy as it can be.”

NMLS ID #134827
Kelly Cortese
Loan Originator
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Kelly Cortese has been a Residential Mortgage Loan Officer with 1st Securities Mortgage since 2016. She has a bachelor’s degree in business management from Michigan State University. Kelly helps her clients set realistic expectations so they know what to expect at every step of the mortgage process. She is a resident of Waterford who enjoys gardening, cooking, reading and travel.  Kelly says:

“I love helping customers buy new homes, and work with a lot of first time home buyers. I enjoy making their mortgage transaction as easy as possible, which can be challenging in today’s government-regulated environment.”

NMLS ID #584524
Andy Elder
Sr. Loan Originator
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Andy Elder is a Senior Mortgage Loan Originator at 1st Securities Mortgage with almost 20 years of mortgage experience. Andy specializes in conventional, FHA, VA, USDA, new construction, as well as a suite of portfolio financing options, helping people secure the right mortgage loan to satisfy their specific needs everyday. Andy says:

“My robust experience and access to a wider array of mortgage programs than any bank in the region make me the clear choice for anyone interested in financing their home mortgage.”

NMLS ID #166456
David Epstein
Vice President of New Construction
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David Epstein is the Vice President of New Construction at 1st Securities Mortgage, licensed in Michigan and Florida. He has 23 years of mortgage industry experience, along with a bachelor’s degree in accounting from Michigan State University. He is a resident of West Bloomfield, and an avid golfer who enjoys the outdoors, and playing basketball with his two boys. David says:

“I love meeting and helping new clients obtain their new home mortgage or being able to save them considerably on their monthly house payment by refinancing a personal interest in every one of my clients.”

NMLS ID #131259
Sarah Green
Loan Originator
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Sarah N. Green has been a Loan Officer with 1st Securities Mortgage since 2010. She has been licensed as a loan officer with the State of Michigan for over 16 years. She has a bachelor’s degree in criminal justice from the University of Michigan. She is a resident of Grand Blanc and an avid U of M alumni. She likes nothing better than a little fan favorite bantering to connect with a client. Sarah says:

“I love helping borrowers buy a home that may have never thought was possible. Getting them pre-approved and ready for home ownership is a very fulfilling.”

NMLS ID #134395
Paulette Kieffer
Loan Originator
 Send email |  Call Paulette

Paulette is a Loan Originator with 1st Securities Mortgage. She has many years of experience. She prides herself on the fact that her primary source of new business is referrals by satisfied clients. Paulette says:

“Whether you want to refinance to a lower mortgage rate, need some cash or financing your first home, you'll discover that my goal is not to only satisfy your needs but also exceed your expectations. With my focus on customer service, I have built my business in an effort to create raving fans.”

NMLS ID #170025
John Larabell
Loan Originator
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NMLS ID #203785
Kenneth Locke
Loan Originator
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Kenneth Locke joined 1st Securities Mortgage in 2016 as a Loan Originator on Team Wright. He has a bachelor’s degree in political science from Eastern Michigan University. He resides in Canton and enjoys travelling, biking, and watching Michigan football. Kenneth says:

“The best part of my job is being able to help someone purchase their first home.”

NMLS ID #87627
Michelle Markoz
Loan Partner - Team Angela Kakos
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Michelle has been a loan processor for 1st Securities Mortgage for 1 ½ years and has recently been promoted to loan partner. Michelle has been in the Real Estate and Mortgage business since 1995. She enjoys helping the client understand and feel at ease with the home buying process, while providing agents and clients with timely and periodic updates to assure all files are complete and in compliance. She is a resident of West Bloomfield, Michigan.

“I really enjoy being a part of helping others”.

Fawzi Nona
Loan Originator
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Fawzi Nona joined 1st Securities Mortgage in 2015 as a Loan Originator on Team Wright. He has a bachelor’s degree in accounting from Wayne State University. He resides in Farmington and enjoys cooking, espresso, and spending time with his family. Fawzi says:

“The best part of my job is providing excellent customer service and collaborating with potential borrowers to prioritize mortgage goals and decide the loan options that best fit their needs.”

NMLS ID #1376802
Tracey Okonski
Loan Originator
 Send email |  Call Tracey

Tracey Okonski has been with 1st Securities Mortgage since 2016.  With over 20 years of mortgage industry experience, Tracey knows the business well.  Not only is she a Loan Originator for 1st Securities Mortgage, she also provides strong support to the mortgage operation department assistant with the processing, underwriting, closing and funding of loans.  “I really enjoy being able to help people with their financial needs, especially educating first time home buyers.”  A resident of Clawson, Tracey enjoys kayaking, biking, camping, traveling, bowling, socializing by the  campfire and playing all sort of outdoor games and board games with her friends for good times and good laughs. 

NMLS ID #308934
Brian Sable
Loan Originator
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Brian Sable is a licensed mortgage loan originator with over 10 years’ experience in the industry. Brian has a bachelor’s degree from Walsh College and has lived in suburban Detroit his entire life.

“The biggest hurdle in the mortgage industry is the fear a client has of making a mistake. My greatest strength is making sure my clients understand the entire mortgage process, while providing peace of mind every step of the way.  Once a client understands the mortgage process, the fear and uncertainty are removed, allowing clients to make good decisions.”

NMLS ID #1696290
Adrienne Sain
Loan Originator
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Adrienne Sain has been working with 1st Securities Mortgage as a Loan Originator since the start and has been in the Real Estate and Mortgage industry since 1997. Adrienne has a vast knowledge of the loan process and works closely with her clients regarding the different loan programs available to them. Adrienne prides herself on customer service and keeps in direct contact with her clients to continually educate and discuss their needs.

“I love working with people to assist them with their dreams and goals for their different Real Estate projects. Dream big – we help make your dreams come true”.

NMLS ID #171840
Ann Salmo
Loan Originator - Team Angela Kakos
 Send email |  Call Ann

Ann has been in the mortgage industry for over 13 years. She started at First Securities Mortgage in 2012 and joined Angela Kakos’ team in 2013. She currently holds a bachelor’s degree in Finance from Walsh College. She is very passionate about the lending industry. It is her goal to make sure the client is happy and experiences a smooth process. 

NMLS ID #1591399
George Shaheen
Loan Originator
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George Shaheen joined 1st Securities Mortgage in 2013 as a Licensed Loan Originator. He is also a Licensed Realtor. With over 20 years experience in the residential home real estate market, he is well suited to help families achieve home ownership. He is a resident of Macomb Township who enjoys golfing and tennis. George says:

“I enjoy the satisfaction of being able to help my clients achieve their dreams by assisting them through the loan process. I am able to interact with them on both sides of the transaction, because of my experience understanding the home buying process on the real estate side, I am able to provide a level of service to my clients from beginning to end. I also attend all of my closings, so I get to see how happy they are when they are handed the keys to their new home.”

NMLS ID #113994
Diana Toma
Loan Originator
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My name is Diana Toma and I am a licensed loan officer. My business is based on building relationships and educating my clients on the mortgage process and wide range of loan programs. From the first-time home buyer to the seasoned homeowner, everyone’s scenario is unique and together I will work closely to meet your needs. My mission is to get you the right loan and nothing will change that!

NMLS ID #208155
Jennifer Walker
Loan Originator
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Jennifer Walker joined 1st Securities Mortgage in 2015 as a Loan Originator on Team Wright. She has a bachelor’s degree from the University of Michigan in psychology, and master’s degree in social work. She resides in Ferndale and enjoys Netflix, chicken shawarmas from Bucharest Grill, and too much coffee! Jennifer says:

“The best part of my job is helping borrowers navigate the storm of emotions the home buying experience can represent.”

NMLS ID #1347418
Anthony Wright
Sr. Loan Originator
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Anthony Wright joined 1st Securities Mortgage in 2011 as a Senior Loan Originator. He leads a team of loan originators, and processors. He earned a bachelor’s degree in business management and a master’s degree in business administration in finance. He collaborates with potential borrowers to prioritize mortgage goals and decide the loan options that best fit their needs. He resides in Royal Oak and enjoys spending time with his family, and tailgating. Anthony says:

As a senior loan originator, it’s my job to make sure my team members offer unparalleled customer service and support borrowers during each stage of the loan process. I strive for ultimate accessibility using various methods of communication and utilizes technology to ensure an outstanding customer experience. The best part of my job is exceeding the expectations of my clients on every level—products, pricing, and availability.”

NMLS ID #889823