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.

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.

Tori has over 25 years of experience helping buyers achieve their dream of homeownership with the best financing options available. Skilled in all loan programs and committed to every detail, she has earned the trust of her clients by going above and beyond to meet their unique needs. Tori takes pride in guiding buyers through the mortgage process with clarity and care, ensuring they feel confident every step of the way.