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

Angelo Ausi
Loan Originator
NLMS ID #2026295

Angelo Ausi – Loan Originator

After being in the finance sector for 8 years, I've developed a deep understanding of how to identify what my clients' goals are and how we can accomplish them together in a realistic and reasonable timeline. I utilize residential and commercial financing and refinancing to play a major role in my clients' investment strategies which allows them to accomplish their goal comfortably, and at their own pace. I've witnessed firsthand, people losing their savings and not being able to retire at their pace due to a lack of planning or simply working with the wrong person/company. This is the reason why I strive to speak to every client/family who is interested in seeking out ways to utilize their mortgage as an investment piece while also overlooking their entire plan to ensure that it is aligned with their goals

Jeff Berlin
Loan Originator
NLMS ID #1693676

Jeff Berlin – Loan Originator

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"

Nick Bratton
Loan Originator
NLMS ID #2071851

Nick Bratton – Loan Originator

Nick has been a licensed Mortgage Loan Originator since 2021. He has spent over 16 years in Operations Management and was seeking something new. After a great customer experience at 1st Securities Mortgage, it motivated him to help people with obtaining a mortgage in the same way that he was helped out. Nick is married with one son and a resident of Macomb MI. He enjoys BBQ, sports, and spending time with my family.

"I enjoy helping people. It gives me great satisfaction to save someone money on a refinance, helping a first-time home buyer with a purchase, and advising clients on what's best for them"

Todd Caldwell
Loan Originator
NLMS ID #172941

Todd Caldwell – Loan Originator

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 two dogs, an Australian Shepherd and border collier. He has been scuba diver since he was 16 and tries to vacation each year in Cancun.

What keeps me motivated is that the job is interesting.  I probably do more renovation loans than anyone else in the company

Karen Cooper-Green
Loan Originator
NLMS ID #134827

Karen Cooper-Green – Loan Originator

I have been a mortgage originator for over 20 years. I am so grateful and blessed to have the help of my team. I pride myself on always being available to take care of your needs! I am committed that each client receives the ultimate home buying or refinancing experience with no added pressure. Whether you are relocating, buying your first home or need to find ways to lower your monthly payments, I am happy to help. Don't hesitate to call me. I look forward to exceeding your expectations!

Kelly Cortese
Loan Originator
NLMS ID #584524

Kelly Cortese – Loan Originator

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.”

Andy Elder
Sr. Loan Originator
NLMS ID #166456

Andy Elder – Sr. Loan Originator

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 every day.

 

For decades, being in the mortgage arena has given me a strong understanding of the housing and mortgage industry. Navigating the ups and downs of its most challenging periods has allowed me to build the agent and lender relationships needed to help my clients achieve their dream of buying a new home.

I'm privileged to originate your American dream...My goal is to provide a personalized experience securing a quality, low-rate mortgage that will set you up for a successful and comfortable future. Let me help you find your way home."

David Epstein
Sr. Loan Originator
NLMS ID #131259

David Epstein – Sr. Loan Originator

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.”

Dennis Glover
Loan Originator
NLMS ID #168042

Dennis Glover – Loan Originator

Dennis Glover has been in the mortgage business since 2003 and has been affiliated with 1st Securities Mortgage as a Loan Originator since 2008.  Dennis holds both a BS and MBA degrees in finance and an MST degree in taxation. Dennis has been a residential home developer and manages real estate investments, along with his family farm. 

With clients in both Michigan and Florida and with extensive knowledge of a wide range of mortgage products, Dennis knows how to get you into the home of your dreams with the best possible financing arrangements.  

Tony Johnston
Loan Originator
NLMS ID #165515

Tony Johnston – Loan Originator

With career spanning over 17 years, Tony has been assisting home buyers in achieving the American dream. Focused primarily on residential mortgages, Tony has been able to secure financing for home buyers, with a wide array of financing options, including FHA, VA, CONVENTIONAL and JUMBO mortgages. In addition to the multiple programs Tony is able to offer, he can in many cases offer LOW or NO COST mortgages with extremely competitive rates.

Tony is married to Tracie and resides in Livonia, MI with their three beautiful children. They enjoy traveling, camping, and sharing good food and wine with friends. Tony is an avid golfer and downhill skier, and continues to race downhill in local leagues.

 

Tracey Okonski
Loan Originator
NLMS ID #308934

Tracey Okonski – Loan Originator

Tracey Okonski has been with 1st Securities Mortgage since 2016.  She began her mortgage career as a mortgage processor in 1998. Throughout her career Tracey advanced from processing into becoming an Area Sales Manager for a large mortgage lender.  After the 2008 mortgage crash she returned to retail and opened her own successful mortgage processing company.  She eventually sold her business and advanced into Underwriting at large bank for a few years until a division shutdown that brought her to 1st Securities as a mortgage loan officer.  – With her strong mortgage background and knowledge, Tracey not only originators loans but also provides strong support to the mortgage operation department with processing, closing and funding loans.

Tracey went above and beyond!

Danielle K from Pinckney, MI

Working with Tracey was great! We had a tight deadline and Tracey went above and beyond to make sure we closed on time. She was an excellent communicator and walked us through the whole process. She would respond to questions quickly via email (even after hours). She also always answered my calls right away and had amazing patience for all my questions. Even as she was going on vacation, after we were approved to close, she reached out to see if we needed anything else. I would highly recommend Tracey to anyone that needs help.

Total Pro

Jim from Royal Oak, MI

Tracey is the best! I don't think I would have been able to get my new home without her. She's a total pro & knows the business like no other lender out there. If you're self employed look no further. From one business owner to another, you want Tracey. You need Tracey. She'll get it done!

I really enjoy being able to help clients with their financial needs. I strongly believe my processing and underwriting background sets me apart from other loan officers in the industry.  I pride myself in always being available to a client after hours and weekends when it is most important and I really enjoy the education I bring to first-time home buyers.

Brian Sable
Loan Originator
NLMS ID #1696290

Brian Sable – Loan Originator

Brian Sable is a licensed mortgage loan originator with over 15 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 a client's fear 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.

Ann Salmo
Loan Originator
NLMS ID #1591399

Ann Salmo – Loan Originator

It is my goal to make sure the entire mortgage process is handled in a smooth, professional and easy way. Advice and guidance are given to help and educate our clients. With over 18 years’ experience in the residential home real estate market, helping families achieve home ownership is my passion. I currently hold a bachelor’s degree in Finance from Walsh College. I love to spend time with my family and most importantly make memories with my girls.

Michael White
Sr. Loan Originator
NLMS ID #188329

Michael White – 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”.