Our Originating Team
Choose an originator below to connect with them.
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- Karen Black
- NMLS: 134327
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- Jesse Butts
- NMLS: 2056154
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- Tyler Cartmel
- NMLS: 7540
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- Travis Cartmel
- NMLS: 652395
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- Nick Claghorn
- NMLS: 1540430
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- Kristi Porter
- NMLS: 105799
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- Nicolas Ulrich
- NMLS: 2625579
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- Josh Waddell
- NMLS: 2145657
Borrower Testimonials
Excellent communication, prompt and courteous service
The products. The work Josh put in.
Tyler was responsive, informative, and answered any questions i had as a first time home buyer. no question was a dumb question and he guided me through the process easily!
Travis did an amazing job! He was very communicative throughout the whole process and replied almost immediately to every inquiry . My buyers found him helpful and informative. Definitely will be referring my future clients here!
Clear concise communication. Ease of document uploading. Friendly and responsive team.
Travis is very personable, patient, knowledgeable and thorough. There is SO much that goes into buying a house and getting a loan... it was extremely helpful to have someone you can trust.
As always, I can refer my clients to Jesse and know they will receive the highest level of service.
Tyler is always just a phone call away. His knowledge and guidance with his clients is something they rave about after speaking with him regarding lending on their new home. I know when I refer clients to him they will be directed in the best way to make the lending process one of ease and they always know he does his best to make things work in...
Jesse and the team went above and beyond when this client's credit history & capital threw us some curveballs.... But a plan was created and they guided us all successfully to the closing table once again!
Tyler was able to help push my clients toward homeownership by giving them a detailed game plan of what to do. While under contract Tyler and his team worked diligently to ensure my clients had a smooth transaction and lending experienc.
Tyler, Stephanie, and their team have been a pleasure to work with. This was our second time working with Tyler, and he never disappoints. He is always available to answer questions andhelp at every stage of the process. If you’re looking for a professional team that listens, is responsive, and truly understands your concerns about security in to...
Quick and professional communication and strong advice.
Amazing communication and support at all stages of the process. There were some hiccups that came up last minute on my side, and the team was incredible in adjusting and doing all that was needed to make sure the purchase still went ahead succcessfully. Amazing team!
Tyler and his staff were very informative through our loan process .
Everything moved along smoothly with constant updates on the progression of the transaction.
Nick and his team were very prompt when replying and helped me secure a loan for my investment property at a great rate. They made the home buying experience about as stress free as buying a home can be.
Tyler was fantastic throughout the entire loan process for our new home! He communicated clearly, answered all of our questions, and was incredibly helpful every step of the way. He made the process feel smooth and stress-free, and we always felt supported. We would highly recommend Annie Mac to anyone!
Fantastic communication and overall smooth process.
Tyler made it a super easy process. He was very helpful for first time homebuyers like myself and my wife!
the easiest people to work with, very informational
Working with Jesse is a great experience because he understands that lending is about much more than getting a buyer approved. He takes the time to explain the numbers clearly, helps buyers understand their options, and stays focused on finding the loan structure that best supports their goals. As a buyer’s agent, I especially appreciate his comm...
Travis helped explain details about my loan and the process and was great in communicating and being available when needed.
Nick and the team were on it. They informed me on everything they needed every step of the way. It was very seamless and made sure I understood everything they informed me on.
Tyler's communication was excellent!
I truly can’t say enough great things about our experience. Travis took the time to understand our needs, worked with us throughout the entire process, and made sure we were comfortable and informed every step of the way. I would absolutely recommend AnnieMac and his team to any friends or family looking to purchase a home. They are an incredible...
Had a great experience with Travis! He helped us through the process and was always always very quick to respond.
I always appreciate how responsive you are, and how you make yourself available for our clients! Thank you for all of your help through this one!
Tyler and Heather are very prompt and professional and explain things in a very concise way so that the borrow understands what is happening.
Tyler's communication was great, between us AND he and my buyers. Everything went smoothly. Thanks
Tyler is very responsive, competitive rates
responses, and good at explaining The process
Tyler was very knowledgeable and helpful the full time in the loan process
Incredible team, incredible communication. Made under writing not feel terrible like everyone talks about. Very communicative.
Everyone was very assistive and was always able to answer our questions. Also appreciated the fact that we did not have to leave messages. Always available when our calls were made to assist us with. Whatever we needed done or answered really appreciated the quick response. We received from everyone during our financing. Enclosure, thanks for every...
every step of the process was well explained and easy to follow. i loved how any question we had was answered in a timely manner and in a way we could understand. thank you for taking the time to be patient and diligent.
The individual we worked with "Jesse, Tyler and Stephanie" made the process easy for us. They explained in detail as we went thru each step and was there to answer any and all our questions in a timely manner. We were pleased with the process and appreciate them always being there for us during this time. Thanks!
Everyone was professional and helpful through the whole process.
Everything was great!
Karen is always fantastic to work with. She's a hustler and answers questions at any hour of the day. She works hard to get my clients to closing as quickly and smoothly as possible and has the kindest heart while doing so. She doesn't make it about a paycheck, she truly cares about her clients and business partners.
Karen is the one and only
Karen did an amazing job getting us to the finish line of our refi!
I remained in the loop about everything. Even when I was frustrated, Kristy and Stephanie reassured me that they would handle it and they did. They were very professional and extremely knowledgable. And this was what i needed because I was clueless. Everyone must mirror Kristy and Stephanie customer service. It was superb.
Kristie is great to work with. She is very friendly and customer focused. I was walked thru all documents and everything was explained to me in easy way to understand. I know she went above and beyond to make sure I understood everything! I enjoyed working with her. She is fabulous in my book!!!
They were super helpful and friendly
Communication and explaining everything
Great communication and made the process easy
entire process was smooth from start to finish
Jesse and Tyler were fantastic to work with and made the process so easy!
Nick was responsive to our buyer's needs of gaining a preapproval quickly and easily, he helped us all the way through the process answering our questions and providing valuable information that helped my buyers make their decision.
Great communicaton and insight.
We love working with Nick! He is easy to reach, patient with questions, and does a great job educating clients throughout the process. I know he'll always take great care of my people.
Nick communicates well and makes sure everyone is on the same page!
Nick was very responsive and helpful throughout the whole process. There was never a time taht we didn't feel that we could reach out to Nick for any questions whatsoever.
We had an amazing experience and Jesse is very knowledgeable and amazing at his job
Nick was an amazing person to work with. He made the entire process easy and answered all of our questions in a very timely manner. I would highly recommend anyone I know to work with him!
Nick and Lori were super helpful during the process! Always updating me on next steps and would respond in a timely manner. They helped the loan process move through quickly and on time.
Nick is a great communicator! Thankful for his partnershi!
The process and resending lots of paperwork work Was a headache. Kristi was very helpful along the way which is very much appreciated
I like how Jesse takes his time with his clients to make sure they understand their options. He has wonderful customer service.
Not our first time through the process, but everything was still explained and made easy to understan!
Karen did a fantastic job walking us through the process of the financial side of buying our first home! She also was always available for all of our questions and made this process so easy!
Great communication and explanations for first time home buying.
Consistant, clear, and kind communication made it easy for me to understand and complete my part of the loan process. Thank you!
Kristi and team were ery responsive to questions and explained everything in great detail.
Kristi is always great to work with, she takes care of my clients and that make my job easier.
Our closing was delayed multiple times. Kristi and team remained patient with us and the entire process. When we were cleares to close, it needed to happen very quickly and the team was prepared. Overall, Kristi And team were great to work with!
I truly value working with Jesse—he makes the lending side of the process smooth and stress-free for my clients. On a recent transaction, he was able to close in just 21 days, which helped position our offer as one of the strongest. His responsiveness, clear communication, and commitment to getting the job done make him someone I trust and recomm...
Excellent communication & timely responses with my client!! I very much appreciate Jesse's partnership and will continue sending busines to he and his AnnieMac team!
The communication was incredible. At no point did I feel out of the loop. Everything was explained to me incredibly as a first time homebuyer.
Jesse was incredibly responsive, clear throughout the process, and made everything smooth and stress-free!! He was supportive and always answering our many questions! Highly recommend!
Communication was outstanding! Thanks to Jesse and team for their guidance and support during this refinance experience.
Excellent communication throughout the process. All steps were explained well and everything was done in a timey manner.
Communication is bar None- Karen Black was amazing to work with and I can't wait to do it again! Highly recommend!!
Thank you, Jesse (and team) for walking us step by step through the refinance of our home. You and your team were awesome to work with.
Kristi is always quick to respond and help out my clients with their home purchase. She provides all the information and helps my buyers throughout the entire home buyer process. I will always recommend! Thanks so much!!
Everyone was great, and very helpful !
Nick was SO helpful. He is incredibly knowledgeable about the loan process and explained it in an easily understandable way for someone new to the mortgage world. He was always present to answer any questions (regardless of time of day). I could not recommend him enough!
I have worked with Kristi at Annie Mac before and she is by far the best at providing everything I need for informed decisions and communicating consistently through the entire process. Choosing to work with her again for a refinance was a no brainer!
Next patience expertise and attention to detail as what makes the experience great working with him
Super friendly, quick and easy!
Kristi has helped us multiple times on purchasing a new home. She is always very helpful and ensures that things are done in a professional and timely manner!
Kristi, is absolutely amazing. She is responsive, very communicative, and handles all requests with empathy. I would never go to anyone
Nick has worked with me twice now, and him and his team have done an incredible job with my mortgage and refinance . Highly recommend!
First off, Nick was extremely professional. Much more so that the two other mortgage people I worked with prior to being referred to Nick. He went out of his way and communication with he and his team was very smooth. An all around 10/10 experience. 🤙🏼
Nick and his team walked out the perfect balance of attentive customer care and sharp, professional expertise. I was empowered through each step of the process to do the things I needed to do and could rely on them to take care of the pieces only they could do. Everything went so smoothly. I never felt stuck, or unsure. Every question I had was ans...
Nick was super responsive to my client. He was thorough, knowledgeable and highly professional! The transaction was made VERY smooth, thanks to Nick's efforts!
Nick was great to work with as usual. We had a few things to work through on this one, but he kept the communication lines open and made sure we got through things at the end for a smooth, on-time closing! Thank you, Nick & Stephanie!
While we had some snags in the process early on - the lines of communication were always open and we had success in the end
You made it very easy!
Easy communication & fast responses to our questions.
Excellent communication. Got everything done in a timely manner.
Nick and his team were beyond great! Communicative, easy to talk to, got everything done quickly and well, it was stellar!
Nick was fantastic to work with! He was always available, extremely communicative, and made the loan process easy to understand. We truly appreciated his patience and the time he took to guide us through securing our home loan.
Nicks experience, profesionalism and patience makes this a great experience for my buyer clients and I know I can count one him for guidance and advice whenever I am in need.
Very smooth and seamless process, Nick is a consummate professional and is very knowledgeable.
I honestly did not know what to expect as we began this process. From our first call with Nick, we knew we were in great hands! He put us at ease and provided all the information we needed and was there to answer questions along the way. He started to feel more like someone we had known for a while vs someone only advising us on our home buying jou...
Nick was on top of it as usual! Always a pleasure to work with him!
I've had the pleasure of working with Kristi on numerous home purchases, and she has consistently proven to be an invaluable resource to my clients. Her commitment to going above and beyond is unmatched—she's stepped in to save transactions that were at risk and has been instrumental in keeping deals on track. Kristi's communication is clear and ...
Great communication theoughout the entire process.
Communication, effort, everything was on time, the professionalism was outstanding. Thank you Nick
Karen went above and beyond to make sure we were aware of everything that was happening and that we had everything we needed. She was very thoughtful and always professional . She made the process so much easier!
Kristi is thorough and fun to work with! She always takes amazing care of my clients!!
Great communication!
Great communication. Kristi even worked on her time off/vacation. Not many people would be willing to do that. Very thankful to have found her.
My experience with Kristi was beyond my expectations. She not only helped me through the process she literally taught me the process. Being a first time home buyer it was vital to have someone who wants you to have it just as much as you. As I’m crying typing this… this process was easy because of her however the homework assignments were quite...
Kristi was pleasant to work with and I would recommend her to clients in the future.
Kristi and the team are incredibly responsive and helpful. Communication is clear and consistent throughout the process. Great experience!
Quick to inform, process paperwork, and communicate needs. Super fast and thorough - appreciated from both the seller side and the buyer side.
Buying/ Selling houses can be stressful. I felt so at ease and taken care of. The level of communication was amazing. Everything explained. Multiple option considered at all times. This was by far the easiest and most enjoyable experience buying a home we have ever had! You guys are a huge reason why!
Kristi did a great job of keeping Kristen and I in the loop on any updates with the loan process. She was quick with communication and that helped ensure a seamless loan process. I would highly recommend Kristi!
Kristi was WONDERFUL to work with. She is clearly amazing at her job.
Kristi is brilliant!!!
It is always a pleasure to work with Kristi. She is top tier and always professional. Thank you
Kristi is amazing to work with! She would respond back to me through email within an hour. The process could not have gone smoother and I tell all my friends looking for a house to talk with Kristi.
Tyler was great to work with! I’ve already recommended him to a friend. He was timely, kind, honest, and answered all of my questions. I work nights too and he worked around my schedule which was very appreciated.
I had a great experience. He guided me expertly through the whole process from start to finish. I would recommend him very highly and with no reservations.
Travis Cartmel does a great job of communicating all needed information and answering questions. We would use him again, but hopefully we never move.
Tyler was great to work with from the start. He spent some time with me on the phone giving me all the options I had available and was very punctual. We threw a few curve balls on him and his team by adjusting the closing date and he was very accommodating.
Tyler was amazing helping us. We will never use another lender again. He’s our guy! His team has outstanding communication and the are the definition of teamwork. The process was so fast, easy, and pain free. Also who doesn’t like to save a huge chunk of money. Thank you Tyler! The Bensheimer’s
Tyler was very communicative. I had no surprises at closing, and he made the entire process so easy for me. Even with a hiccup on the seller's side, he kept a positive attitude and was very reassuring.
Our mortgage experience was incredibly easy and enjoyable. The Cartmel Team helped us understand the process and guided us through everything. Communication was great, we always felt comfortable with the team. They quickly and thoroughly answered any questions we had and were always available when we needed. We highly recommend working with The Car...
Tyler, made the process go by smoothly. Always kept us updated and answered questions right away. Highly recommend! If you want to be stress free throughout the loan process... Tyler is your guy!
Tyler and his coworkers were always very kind and polite. They were there to help and make things easy, especially for a first time buyer like myself. Tyler would take time out of his evenings to help explain things when I didn’t understand. Great guy, great team, great experience.
Tyler was tirelessly available when it came to securing a loan for our home! In a time of stress and insecurity he was there to ease our worries and to get every little detail squared away!!! I will be recommending Tyler to everyone I know who needs a mortgage!!
Tyler worked extremely hard to make sure i understood everything i needed to do before and after closing. I would recommend Tyler to anyone: friend, family, or associate. Great work Tyler
We worked with Travis and the Cartmel team in buying our first home and we are so glad we did. Travis was professional, kind, and informative. He understands the stress that comes along with being new homeowners and guided us along the way. He is very easy to connect with and he made us feel so welcome when we would meet in his office. He was very ...
A friend referred me to Tyler/AnnieMac because of the excellent service she received. I am happy to say I received the same and will also refer others to him. I appreciated the fast and clear communication, ongoing education on the mortgage process and friendliness from everyone on the team.
Tyler and Alex were so helpful while buying my first home. They were so knowledgeable and always available every step of the way. I would definitely use them again!
I relocated to the Indianapolis area and Tyler took care of the loan for my new house. He was extremely helpful and knowledgeable. He took the extra time to explain to me how things work in Indiana and the options I had. Tyler was always available and was very timely in his responses. I loved working with him!!
Tyler made my husband and I's first home buying experience so simple! He was always available to call and he always had an answer for every question I had. He is honest, has your best interest in mind, and assures you that no question is a dumb one. I LOVED working with him, and absolutely plan to for our future home purchasing needs!
My husband and I were first time home buyers and we looked at a few lender options, including our bank who we’ve been with forever. We decided to go with the Cartmel team because Tyler was the only lender we spoke with who made our experience feel personal and like he had our best interest at heart. Because of Tyler and his team we could not have...
This was my wife and I's first home and their customer service was exception. They answered all of our questions and were there throughout the entire process. We were also on a time crunch to be out of our apartment on time and they closed on the loan in 30 days without ANY delays or setbacks. They know what they are doing and I have already recomm...
The Cartmel Team made my first time home purchasing experience very manageable. They were able to secure and lock a great rate for my loan, and were even present at closing. The Cartmel Team was very knowledgeable, responsive, and provided great communications.
Tyler was GREAT! He took tons of time to explain the homebuying process and the loan application process. I cant say how many times I called and texted with questions, and every time Tyler was willing to help and made sure I understood the process and felt comfortable.
Tyler made purchasing my first home incredibly easy and walked me through every step of the process. Home buying can be confusing, but not with Tyler!
The Cartmel Team is my "A" Team when it comes to Mortgage assistance. Travis and his team were a blessing to work with. They were very punctual, knowledgeable, and displayed moral intergrity. Travis was there every step all the way to the closing, even with the birth of his daughter 3 days before. To me knowing that I had Travis working behind ...
Tyler and Alex were on top of everything. When I had questions, they responded quickly and I never felt lost in the process. I appreciate their kindness. It certainly made buying my first home less stressful. Thanks a bunch to the both of you.
This was a wonderful experience. I was dreading buying a house and having to go through endless amount of paperwork and signing things I had no idea what they were. The Cartmel team made it a walk in the park!! Everything was explained in easy to understand terms and they made it so easy to go an affordable loan with a GREAT interest rate. I look f...
My husband and I are first time home buyers and after going through several dud Lenders, we were introduced to the Cartmel team with Annie Mac. We had been working with them from summer 2017 up until our recent purchase here in 2019. They were patient with us and ready to help with any of our concerns. The knowledge, speed, and care they shown for ...
Realtors! Announcing Our: Real Estate Realities Masterminds
On 10/21/2026 at 2:00 pm
In a crowded market, doing great work is not always enough. People also need to understand what makes working with you different. Join me for Real Estate Realities: Jumpstart Your 2027 with Lance Pendleton on October 21 at 2 p.m. ET. Lance will share how to: - Create messaging that cuts through industry noise - Build a business around what clients truly need - Deliver an experience people remember and want to refer See you there!