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

Tom Oslund
Loan Originator
NMLS ID #1960673

Tom Oslund – Loan Originator

Tom has been part of the 1st Securities Mortgage team since February 2016. His priority has been to develop strategic business relationships with builders, realtors, management companies and other service partners. These partnerships benefit all of our customers by providing easy access to services across the industry.

Tom has a degree from University of California, Los Angeles, with training in business, management, marketing, and support services. With over 20 years’ experience in marketing and business development within the real estate industry, he has a lot to offer to 1st Securities Mortgage business partners. He has received a number of awards including:

  • MMHC Professional Housing Consultant Certification
  • Pinnacle Homes Developer of the Year 2012
  • Pinnacle Homes Builder of the Year 2010, 2014
  • Village Green “Outstanding Performance” 2008 & 2009
  • Village Green “Top 20” from 2006 through 2010

When he isn’t working, Tom enjoys spending time with his daughters Alexa and Allison, as well as surfing, fishing, golfing, and playing football. He is also a volunteer with Forgotten Harvest, a poverty alleviation organization.

When it comes to business development and marketing, Tom is the one to go to. Jeffrey Quinn, Account Executive with WDIV-TV Local 4/ClickOnDetroit.com says:

“Tom possesses a vast knowledge of sales and marketing and he truly understands the value of advertising. He is constantly tracking his campaigns to measure results and he is always looking for new ways to deliver his message. Tom is very professional in his approach to business and he is absolutely a pleasure to work with.”

Let 1st Securities Mortgage help you build your business. Contact Tom Oslund to become a preferred partner and get the marketing support you need to take your real estate company to the next level.

Angelo Ausi
Loan Originator
NMLS 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

Nick Bratton
Loan Originator
NMLS 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"

Kyle Brooks
Loan Originator
NMLS ID #2607238

Kyle Brooks – Loan Originator

Kyle Brooks became a licensed Mortgage loan officer in 2024. He is ready to hit the ground running. He plans to achieve this by delivering the gold standard of customer care. He is committed to provide unparalleled attention to detail and cater dedicated service to those who are in need of someone they can trust. After all, purchasing a home is one of life’s heftier decisions. After being involved in the real estate/insurance industry Kyle decided he wanted to find a career helping others to achieve their dreams for themselves and their loved ones. Kyle was brought onto our team to help develop business in the Jackson County Area and meet the needs of those in his community and surrounding areas. Kyle lives in Jackson, Michigan with his fiance and two wonderful children.

“The effort you make and the prize that you take are one and the same so always do your best.”

Todd Caldwell
Loan Originator
NMLS 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
NMLS 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
NMLS 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.”

Sean Cragg
Sr. Loan Originator
NMLS ID #144411

Sean Cragg – Sr. Loan Originator

Sean Cragg is a senior Loan Officer with his company 1st Securities Mortgages in Bingham Farms, MI. Sean has ranked as one of the Top Mortgage Originators in the nation. He is an exceptional professional, having in excess of twenty five years in mortgage banking and having provided over 6,300 families and individuals the mortgage that was specific to their needs.. A wealth of experience and an attitude based on "customer service first" has achieved him the reputation of getting it done and getting it done right.

Andy Elder
Sr. Loan Originator
NMLS 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
Vice President
NMLS ID #131259

David Epstein – Vice President

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.”

David Gardner
Loan Originator
NMLS ID #2457447

David Gardner – Loan Originator

Dave was recruited to expand the 1st Securities Mortgage presence in the southeast region, with his focus on providing service in Alabama. Dave grew up in Detroit, MI, and graduated from Marine City High School. After high school, Dave joined the U.S. Army, where he served for 20 years, both as an enlisted Military Policeman and a Warrant Officer flying UH-60 Blackhawks. Dave has lived and worked throughout Central America and the Middle East and is fluent in Spanish. Dave currently lives in Chancellor Alabama with his wife, 3 children and 5 grandchildren.

“Helping people to understand the mortgage process and ensure they are positioned for success is important. My focus is to provide superior service, fair prices and align like-minded professionals”

Dennis Glover
Loan Originator
NMLS 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.  

Eric Gutman
Loan Originator
NMLS ID # 2010164

Eric Gutman – Loan Originator

Eric has been a licensed mortgage loan originator since 2020, and very excited to be helping individuals and families through 1st Securities for their mortgage needs. Prior to joining 1st Securities, Eric was with a large lender where he was awarded "Circle of Champions” for the entirety of 2021 signifying top 10% of loans funded company wide in portfolio refinance division. He also funded over $165M in refinance loans in 2021, again making him one of the top producers company-wide. When he’s not originating loans, Eric can be seen performing on stage at regional theatres across the country. He is married with two beautiful daughters and enjoys playing his guitar, watching his girls play volleyball and running around with their two Beagle-mix dogs.

“It’s not necessarily about finding the loan officer with the most experience. I think it’s more important to find the loan officer who cares about your needs and builds a rapport of trust, transparency and gets the job done!"

Fouzia Haque
Loan Originator
NMLS ID #1211864

Fouzia Haque – Loan Originator

Fouzia (Fo) is a highly respected loan originator working closely with homebuyers and their realtors. She is able to shop multiple wholesale lenders to find the best loan program that fits the client's goals. Clients feel knowledgeable and confident about the mortgage process when working with Fo. 

Call or text directly for a free quote

Tracey Okonski
Loan Originator
NMLS 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.

Margie Patel
Loan Originator
NMLS ID #2460302

Margie Patel – Loan Originator

I received my Masters degree in Occupational Therapy from Wayne State University, then I pursued a Doctorate degree from Chatham University. With my medical background I believe in a client-centered focus and providing individualized care. I intend to carry over my values and beliefs as a mortgage loan officer. My goal is to simplify the mortgage process for homeowners and make it less stressful along with providing honest and personable services.
Lester Ruiz
Loan Originator
NMLS ID #1475081

Lester Ruiz – Loan Originator

Lester is a passionate, experienced mortgage professional, residing in Tampa, FL. He has a bachelor’s degree from the University of South Florida. Having started in the mortgage industry almost a decade ago, Lester has worked in multiple aspects of the mortgage process; from origination to processing and closing. He uses his extensive knowledge from the various parts of the loan process to provide customers with the best experience possible, ensuring they're comfortable and confident along each step of the way. He enjoys sports, music and spending time with friends and family.
Brian Sable
Loan Originator
NMLS 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
NMLS 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.

Shawn Sohal
Loan Originator
NMLS ID #2244378

Shawn Sohal – Loan Originator

As a mortgage professional with over a decade of experience providing exceptional, customized services to my clients, you can count on me to deliver a smooth, stress-free lending experience tailored to your unique situation. Because this is one of the biggest purchases you will make in your lifetime, your comfort and satisfaction is of the utmost importance to me. That is why from application to the closing table, you will receive the knowledge and red-carpet service you deserve to confidently choose the right home loan for you and your family.

My passion for the mortgage and real estate industries began almost 20 years ago after watching my parents thrive in their home construction careers. Since then, it has been my ultimate goal to pursue a career in loan originating. I guess you could say that helping clients achieve their dreams of homeownership is in my blood!

I offer home loan programs that cut through the clutter and noise of the mortgage marketplace, meaning my services are not only convenient, but competitive. During our consultation, I will set realistic expectations, so you know exactly what to expect at every stage of the mortgage process. No unexpected surprises here!

Feel free to contact me by phone, text, or email for a personalized response and expert advice.

I look forward to exceeding your expectations!

Shertina Spencer
Loan Originator
NMLS ID #304869

Shertina Spencer – Loan Originator

As a senior mortgage loan originator, Shertina Spencer works with her clients and realtors to find the best possible loan program and product to suit their needs.  Whether you’re  a first-time homebuyer or an experienced investor, Shertina has the knowledge and experience to get what you need.  Her in-depth knowledge of mortgage products and services, combined with her passion for customer satisfaction, makes a her a perfect choice to provide your financing needs.

“I understand that every client’s situation is different, and I will work hard to get you the best possible mortgage solution for your needs! Thank you for considering me as your mortgage loan originator! I look forward to helping you Finance Your Dream!"

Diana Toma
Loan Originator
NMLS ID # 208155

Diana Toma – Loan Originator

Diana Toma has been a residential loan officer with 1st Securities since 2010. She has empowered thousands of people to become homeowners and is greatly respected in the mortgage community as an industry expert. Diana is a proud mother of four and takes great pride in servicing the greater metro Detroit community.

“I love what I do. Helping families brings me joy. I love helping people become homeowners”