Who Are You Working With?

When making a major financial decision, such as home financing, you want to know who you're dealing with. The 1st Securities Mortgage team, from our Executive Loan Originators to the receptionist, is dedicated to providing you with personalized service. That begins with understanding who we are.

You are not simply signing on with a large corporation when you work with 1st Securities Mortgage for your next mortgage or home loan. Every application we receive is assigned to a licensed loan originator, who oversees the file from beginning to end. Because we view your loan application as a collaboration, we want you to know the loan originator you will work with.

Strong support staff is essential for an efficient mortgage brokerage and lending office. This staff, in addition to the Loan Originator assigned to your application, works to ensure that you get the best mortgage program for your financial situation.

Meet Our Loan Officers

Keith Mackey
NMLS ID #121568

Keith Mackey – President

When you are making the big decision to get a mortgage or home loan, you want someone with the knowledge and experience to guide you through the process. Keith Mackey, the founder of 1st Securities Mortgage can help you understand your options and pick a mortgage program that works for you and your family.

Keith Mackey has been in the mortgage industry since 1993. When he left a big lender in 2001 and bought a broker’s license, it was with the goal of creating a mortgage brokerage that put clients’ needs over those of the lenders. By working with lenders big and small across the state, 1st Securities Mortgage became a client-centered company, able to deliver a variety of mortgage programs tailored to different customers’ situations and needs. Keith says:

A resident of Huntington Woods, Keith has an undergraduate degree in communications from Michigan State University. He is an avid golfer.

As part of his commitment to personal service, Keith makes himself available to his clients any day, any time. Whether customers come into the office, call on the phone, or access him through the Internet, they know he will be there to answer all their home-related questions.

If you want a mortgage broker and lender who is wholly committed to his customers’ needs, Keith Mackey is ready to help. Get started today by completing an online application. Keith and his team will help you understand the process and choose a plan that’s right for you.

I love to educate clients on what could be the biggest purchase of their lives. I enjoy making the dream of owning a home a reality and making a stressful process stress-free.

Scott Isner
Executive Vice President
NMLS ID #121551

Scott Isner – Executive Vice President

Getting a home loan is one of the biggest financial decisions you will ever make. With those stakes, you want a loan originator who knows the business inside out and is dedicated to keeping your interests at heart.

Scott Isner joined his cousin Keith Mackey as a co-owner of 1st Securities Mortgage in April 2001. He left his successful job at a competitor because he believed he could give his customers better service as a broker than tied to any one lender. With over 20 years of mortgage industry experience, Scott knows the business well. He understands that no one loan, or one lender, works for everyone. He is committed to providing personalized lending advice to help his clients through the mortgage process. He says:

Scott has life-long ties to West Bloomfield. He graduated from the local high school in 1992 and he still lives in the city. He attended Ferris State University. When he is away from the office, Scott enjoys traveling, hiking, skiing, playing hockey, and exploring the great State of Michigan.

As Executive Vice President, Scott Isner makes sure 1st Securities Mortgage lives up to its commitment to social responsibility. He sits on the Board of Directors for the Detroit Metropolitan Jewish Community Center, and is a regular supporter of the St. Louis Center, a residential community for disabled adults. Scott is also a member of the Michigan Home Builders Association and Business Networking International’s Greater Royal Oak chapter.

It’s one thing for a mortgage professional to tell you how great he is. But if you really want to know how he works, ask his clients.

Check out my 5-Star Zillow reviews

Brent C. says: “Scott was very thorough, on time, and very professional. Everything went as planned. Scott kept me posted throughout the whole process. I could not have asked for a better experience.”

If you are looking for a mortgage broker who will put your interests first, Scott Isner is ready to work with you. Get started today by completing an online application. Scott and his team are ready to help you find the mortgage program that works best for you.

I love being able to help people with the largest financial transaction they will likely ever have. To know they trust me and have confidence in me to get the job done is very rewarding. My clients’ needs always come first and I hope the first transaction we do together will be the start of a long-lasting mortgage relationship.

Joshua Rubin
Vice President/Loan Originator
NMLS ID #135902

Joshua Rubin – Vice President/Loan Originator

  • When looking to purchase or refinance your current home, you want a mortgage broker to be your advocate in the mortgage process.  Joshua Rubin fosters a relentless client-centric approach to help you match a mortgage program to meet your unique financing needs. 

Joshua Rubin, the founder of Horizon Financial Group Inc, has been a top 1% loan originator since entering the business in May of 1995.  1st Securities Mortgage acquired his company in 2018, a perfect fit for two long-time, successful mortgage companies with a similar approach to unparalleled customer service and responsible lending.   Joshua is committed to making the loan process as simple and clear as possible and ensuring that his client’s unique needs are met at the lowest costs and rates.  Joshua says

Joshua has lived in Michigan his entire life.  He has a degree in Finance and attended Michigan State and Eastern Michigan University.  When away from the office, he loves to spend time with his family and his beloved Australian Labradoodles, Gibby and Vinnie.  He is an avid golfer, a baseball nut who loves to travel, and is very involved in numerous other endeavors to give back to his community. 


Joshua and his team are efficient, incredibly responsive, and honest.  Joshua is available any time, day, night, or weekend to answer any questions or concerns or to give an update on your loan process.  His core belief is in doing things a bit differently, he returns phone call, and emails promptly, believes in providing his clients every potential loan option up front, and most importantly, he follows through with his promises and exceeds your expectations.  His personalized service separates him from other lenders and makes the process hassle-free and seamless.


Joshua has over 700 5 Star reviews on Zillow, making him among the highest rated in Metro Detroit.   Check out my 5-Star reviews on Zillow to see what others have said about their mortgage experience.  One of his most recent testimonials is below:

“Josh went above and beyond to make himself available anytime we needed assistance with the mortgage process. Not only did he take the time to answer all of our questions and address our unique situation's intricacies, but he also had the quickest response time of any professional I have ever worked with. Josh was professional, friendly, and a true joy to work with. In the future, I will strongly recommend Josh to any friend or family member looking to buy a new home.”  R.Cahill


If you want a mortgage broker who creates the expectation and delivers upon it every time, get started today by completing an online application. Joshua and his team are ready to help you meet all of your unique financing needs.

I have a passion for what I do, I aim to make to make my clients feel like they are my only client.  I take tremendous pride in educating my borrowers which leads to a smooth and seamless mortgage process.

Michael White
Business Development Recruiter/Sr. Loan Originator
NMLS ID #188329

Michael White – Business Development Recruiter/Sr. Loan Originator

An honorably discharged military veteran, Michael graduated from Ferris State University in 1996 with a B.S. in Criminal justice.  After a brief stint in law enforcement, he began his mortgage industry career in 1998.  A licensed loan originator, Michael brings a wealth of experience to any mortgage loan scenario.  Michael lives in Macomb Michigan with his wife Kelly and their sports-loving son Nicklas.

"My focus has always been on helping people to achieve their goals.  For me, building lifelong relationships is important.  I strive to exceed expectations and be a valuable asset to people in my sphere of influence”.