Elsa has been in the lending business for over 25 years in resale and new construction. She consistently stays up to speed with all the current programs and guidelines to remain competitive in this dynamic industry. Her expertise is in analyzing complex tax returns, business tax returns, and structuring loans. She works with each of her clients to provide precise mortgage information and help families become more innovative and responsible homeowners. In her spare time, she likes to spend time with her family, go on bike rides, and attend her kids’ gymnastic competitions and baseball games.

With over six years in the mortgage industry and ten years as a high-net-worth financial advisor, Jeremy brings a well-rounded, strategic approach to home financing. His background in wealth management allows him to view each mortgage through a broader financial lens, helping clients align their home financing decisions with long-term goals. Prior to entering the mortgage space, Jeremy advised high-net-worth individuals on investment strategies, risk management, and financial planning.

Kelsey Marquardt, an Arizona native and Arizona State University graduate, began her real estate career as a New Home Sales Representative, gaining a strong understanding of the homebuilding process. With experience in both sales and lending, she provides clients and builder partners with a seamless, informed experience. Based in Phoenix and a proud mother of four, Kelsey takes a client-first approach—helping each borrower find the right loan for their goals. She offers a full range of financing options, including Conventional, FHA, VA, USDA, Jumbo, Non-QM, and first-time buyer programs, and is known for her accessibility and genuine care.