Vanessa Cruz
Loan Officer Assistant
Serving Florida
Vanessa Cruz is our Loan Officer Assistant! Vanessa brings a fresh, focused, and dependable approach to the mortgage process.
What Vanessa enjoys most is seeing clients reach the closing table and knowing she played a part in helping them move one step closer to homeownership. With a mindset built around learning and growth, she is always looking for ways to improve, support the team, and create a smoother experience for every client.
Outside of work, Vanessa’s world revolves around being a mom. She loves spending time with her daughter, listening to music, and finding little ways to keep growing both personally and professionally.
Terry Mogle
Licensed Lending Coordinator
NMLS #2472313 | Lower Mortgage NMLS #1124061
Serving Florida
Terry Mogle brings over 42 years of experience in the mortgage industry. Born and raised in Florida and now residing in Northern Kentucky, Terry brings a lifetime of industry knowledge, care, and perspective to every client she serves.
As Melanie’s right arm, Terry plays an essential role in keeping the lending process moving with accuracy, communication, and confidence. With more than four decades of experience, she understands how meaningful homeownership can be and takes pride in helping clients move closer to a future they may have never thought was within reach.
Outside of work, Terry enjoys the simple things that make life rich... Spending time with family, hunting for treasures while thrifting, working in the garden, and finding yummy food wherever she goes.
Donna Kristine Hutchison
Licensed Loan Officer
NMLS #2464823 | Lower Mortgage NMLS #1124061
Serving Florida
Kristine Hutchison brings over 20 years of experience in the mortgage industry and a genuine passion for helping people through one of the biggest decisions of their lives. Born in Germany and having lived all over the United States, Kristine brings a well-rounded perspective, a steady approach, and a deep appreciation for the different paths that lead people home.
What Kristine enjoys most about her job is simple: helping people. Whether she is guiding clients through the mortgage process, answering questions, or helping them take the next step toward homeownership, Kristine takes pride in making the experience feel clear, supportive, and personal.
Outside of work, Kristine enjoys spending time with her grandkids and playing softball with them whenever she can. For her, it’s the perfect mix of family, fun, fresh air, and making memories together.
Karen Greenwood
Licensed Loan Officer
NMLS #2264157 | Lower Mortgage NMLS #1124061
Serving Florida
Karen Greenwood is a lifelong Florida native with over 6 years of experience in the mortgage industry. She brings a warm, determined, and client-focused approach to the lending process, always working hard to help each client feel confident and supported from start to finish.
What Karen enjoys most is helping clients get to that life-changing “yes.” Whether someone is buying their first home, moving into their next chapter, or working toward a goal they were not sure was possible, Karen takes pride in being part of the process that helps make it happen. Clients working with Karen can expect steady communication, genuine care, and someone who is committed to helping them move one step closer to home.
Outside of work, Karen enjoys gardening, spending time outdoors, and making memories with her grandkids.
Melanie Brown
Melanie Brown is a Florida native with over 27 years of experience in the mortgage industry. As an Originating Branch Manager, Melanie brings a deep understanding of the lending process and a steady, experienced approach to helping clients achieve their homeownership goals.
What Melanie enjoys most is helping make her clients’ dreams come true. With nearly three decades of industry knowledge, she is known for providing honest guidance, clear communication, fast timelines, strong problem-solving, and a high level of integrity from start to finish. Melanie takes pride in making the mortgage process feel as easy and stress-free as possible, guiding her clients step by step and making sure they feel supported, informed, and confident throughout the entire journey.
Outside of work, Melanie is all about family, good food, and home. She loves spending time with the people closest to her, cooking meals that bring everyone together, and soaking up the everyday chaos and love that comes with having four dogs and five grandchildren.
Branch Manager & Licensed Loan Officer
NMLS #325159 | Lower Mortgage NMLS #1124061
Serving FL, GA, KY, SC, & TN
Jacqualine B. Wolcott
Licensed Loan Officer
NMLS #1410572 | Lower Mortgage NMLS #1124061
Jacqualine B. Wolcott is a lifelong Florida native with over 25 years of experience in the mortgage industry. With decades of lending knowledge behind her, Jacqualine brings a focused, efficient, and professional approach to every client she serves.
Jacqualine takes pride in providing fast, reliable service and is relentless about helping her clients make it to the closing table. Her clients can expect clear communication, strong follow-through, and a streamlined process built around one major goal: getting them closed as quickly and smoothly as possible.
When she’s not helping clients get to the closing table, Jacqualine enjoys her favorite role of all, being a mom. She loves spending time with her family, relaxing by the pool, and enjoying the slower moments that bring balance to her busy professional life.