Our Originating Team
Choose an originator below to connect with them.
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- Jessica Beech
- NMLS: 2502233
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- Tommy Gainer
- NMLS: 208419
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- Colleen Murphy
- NMLS: 285734
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- Christian Plocica
- NMLS: 988542
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- Christian Rosado
- NMLS: 743278
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- Ricky Sowers
- NMLS: 1598158
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- Linda Thomas
- NMLS: 173886
Borrower Testimonials
Tommy and his team were great!
Customer service was exceptional. I was kept informed all along the way. Instructions and needs were clear and concise. Also any needed responses were very quick. I cannot recommend Ricky and the team more.
Tommy did a great job with helping us through our home buying process, I would highly recommend his services!
Easy to talk to, and very understanding. quick and responsive when answering questions .
Christian Rosado , made our lending & moving experience so stressless our anxiety diminished as we moved forward with every email Chri always let us know when to look for an email , what was good and what was a fraudulent email he always had our back from months before our move until and after we got to ...
Tommy made this process so easy and smooth for us, he was there to help and answer all and any questions we had! Super helpful, and super kind!
the Team at Annie Mac made things as thorough and easy as possible along with being being available and helpful along the entire way I couldn't have picked a better team
It was a pleasure working with Christian. He was very knowledgeable about the process and was able to answer all of my questions and address my concerns appropriately and professionally. I appreciate his assistance and look forward to continuing to work with Christian.
The professionalism and knowlede Christian brings to the table is like none other. And the customer service is amazing! Hope to continue to work with him again and again!!
They were extremely thorough and quick to respond . Christian was available anytime I had a question and genuinely seemed like he cared about taking care of us! I wouldn't use anyone else.
Christian Rosado made this entire process stress free and easy. He always answered the phone if I had any questions and explained each step of the loan process. I would recommend him to anyone looking for a loan.
Christian made the whole “Buy Now Sell Later” process straightforward and successful!
She make the process of both finance and refinance easy from start to completion and I recommend her to anyone who is buying or refinancing.
I couldn't have asked for a better experience working with Colleen Murphy with VIP Mortgage Group. Her expertise and experience allowed for such a seamless process from beginning to end. I had several outside factors that created several adjustments and she was able to navigate every issue quickly and effectively. She was truly invested in helping ...
Buying a home felt almost impossible after trying for over a year, and there were moments where I truly thought my dream would never happen. But with the help of Colleen and my realtor Maria, everything changed. What I thought would take forever was completed within a month. Colleen was beyond amazing throughout the entire process. She was patient...
Extremely helpful and was always there to help me. Felt like I can go to her with anything and she would be able to help and give me honest answers.
You went above and beyond for us and we are forever thankfu. thank you!!
Colleen is calm and organized ❤️
I wanted to take the time to thank Ms.Murphy for the second time to make our refinance as easy as the first time we bought the house. I have delt with many professionals in my years and Colleen make the process very easy.
Colleen is extremely communicative and was always there for me throughout the entire process.
Colleen is easy to work with and always available for any questions. Would not go any where else.
Clear communciation and easy app to upload documents on.
What made the experience so wonderful was how responsive, knowledgeable, and patient you were throughout the entire process. You explained everything clearly and made what could have been a very stressful experience feel manageable and straightforward. I always felt comfortable asking questions and never felt rushed or brushed off. Your communi...
Colleen made the process of refinancing a breeze! There's always and worry with something that's a big part of your life, but Colleen was never too busy to speak with us and put our minds at ease. I would use her again and again, as well as refer our friends and family to her!
Buying a home felt almost impossible after trying for over a year, and there were moments where I truly thought my dream would never happen. But with the help of Colleen and my realtor Maria, everything changed. What I thought would take forever was completed within a month. Colleen was beyond amazing throughout the entire process. She was patient...
Excellent experience, Knowledgeable, patient, great communication, and got us an amazing rate. Made the whole mortgage process stress-free. Highly recommend. Colleen is the best I would recommend her 100%. Colleen's also a Boone girl ! GO Braves
Everything went so smooth and Colleen was such a big help.
I am a first time home buyer with a crazy work schedule. Colleen made the whole process efficient, and easy to understand. I can’t thank her enough and recommend her to any home buyer!
Colleen you were the best about our entire process in getting our new home. Awesome in every aspect!!!
Amazing! Detailed, patient and thorough. Highly recommend!
Colleen jumped thru the hurdles to refinance my homes. I am self employed which makes everything so much harder. In the end, it all was perfect and my loans are lower and I’m paying much less. Thank you Colleen!
You won't find a better mortgage professional than Colleen Murphy. She has the sincere desire to make the process for the buyer as smooth as possible and as swift as it can be. You'll find her honest and trustworthy. Need a mortgage? Call her. I promise you will be glad you did.
We had great experience using Colleen and I would recommend her to all my friends.
We worked with Colleen back in 2010, when we initially bought our home. She did such a fabulous job at putting all of our worries to rest and answering all of our crazy questions then (since we were first time buyers) that we decided she had to help us with refinancing the same home this year, so we could do some remodeling and whatnot. Once again,...
I can not praise Christian Rosado, Christian Plocica and their team enough! I have had buyers work with them for many years and consistently they get them to the closing table with total ease!! They help get deals accepted because of how thorough they are. Listing agents and buyers agents are lucky to have them working with buyers. I have perso...
Christian has always been super communicative which is so important to me when referring business. I would highly recommend him for all your byyers
Everything was great! Thanks!
Tommy went above and beyond and really made the process seamless. We even closed early! I really appreciated Tommy's expertise and willingness to break everything down. No question too silly. Thanks Tommy!
Tommy is an exceptional lender and a true problem solver. He is knowledgeable, responsive, creative, and always willing to go the extra mile to keep a difficult transaction moving toward closing. When others say a deal cannot be done, Tommy finds a way. I highly recommend him to anyone looking for a dependable mortgage professional.
Christian was always available to answer our questions, no matter how big or small. He never made us feel uncomfortable asking for clarification and always took the time to exolain everything with patience and kindness. What could have been a very overwhelming and intimidating process felt much more manageable b...
Tommy is very knowledgeable about down payment assistance programs which is the reason I chose him. His skills far exceed anyone else I've encountered. I did what he said and had enough funds for closing. He put the deal together so well I actually brought no money to closing and ended up with 5% down on mortgage. It was amazing! I recommend Tommy ...
Ricky was like the BEST! Our conversations and meetings started with an aurora of peace. And we all realized we were all standing on the same Firm Foundation! With that security, the journey began. There was never a time, a question, or an answer he wasn't willing to provide. Us being first-time buyers, questions ran loose and free. Efficiently and...
Tommy is exceptional! Always quick to answer or return calls, even when he's not at his office. He's thorough, proactive, and calm - giving me and referred clients a reassuring feeling. I'd refer Tommy to any client.
Ricky and the whole team with Annnie Mac were sm to work with and made a the process simple with ex communicatio.
Insanely fast turnaround time for a jumbo loan. Honesty. Transparency. Care. Promptness.
Tommy made the experience great, the communicated within coming contact with us throughout the process.
Christian was constantly available to answer my questions, stayed on top of getting documents uploaded and tasks completed, and always had a great attitude.
Cood followup follow-up and communication. Answered all of my questions promptley .
Thank you for your help
Christian made the entire process smooth and efficient His communication was excelent .
Tommy was great. Easy to talk with, always made himself available and explained everything clearly. Thanks again!
Excellent communicator Kept us informed and advised on each phase. A pleasure to work with. Highly recommended
knows his stuff! He's been in the industry a very long time. He knows all the ins and outs and all the different steps like the back of his hand. Tommy had great communication throughout the process always kept everybody in the loop and had a great positive attitude that made the whole experience pleasant!
I’ve had the opportunity to work with Christian on several transactions with clients from all walks to include self-employment and standard employees. I’m always confident that he can get us to the closing table. He is an excellent communicator, extremely professional, and most importantly he’s honest. He placed my clients above anything else...
I've had an a journey similar to what people read about on the New York Best Seller's List; reminiscent of traveler's encounters at sea. 🌊 The good part is having a Loan Loan Officer (Christian Rosado) there, not just to delegate what to do, but THERE and present to answer phone calls concerning "how to," loan questions, or to clarify the impa...
Working with Tommy was a great experience! Communication was always quick, clear, and easy to understand—no guessing, no chasing updates. We made it to clear to close in under three weeks, which honestly felt kind of seamless. Everything was handled so smoothly. Looking forward to working with him again!
"Working with Christian Rosado and Christian Plocica was an absolute game-changer. As a single mom, I thought I could never buy a house on my own, but Christian reassured me that it could happen. Soooo As first-time HOME OWNER, the entire process felt incredibly overwhelming, but they were by our side at every single step. They took the time to exp...
I had the pleasure of working with Annie Mac as the buyer’s agent for my first time home buyer. Working mainly with Christian Plocica I cannot say enough good things. He was in constant contact, extremely helpful and went above and beyond for my buyer! This team is outstanding! From a Realtor’s point of view with family in the mortgage business...
Tommy and his team were fantastic. Always available for inquiries and they had a sense of urgency that I really appreciated. Tommy took the time to provide explanations for me as a 1st time home buyer that allowed me to fully understand each step of the way. I'm so pleased with how everything went, and would recommend them to friends and family any...
Everything was handled efficiently with a helpful friendly professional way. We were very pleased with our experience.
Tommy and his team were on top of it from the start. Friendly, knowledgeable, and always available. They handled every issue from start to finish like true professionals. Great experience!
Things were handled efficiently and always with a helpful through way.
keep up informed through the process
Tommy went beyond the basic customer service experience. He answered all of my questions, and responded to my phone calls and emails on time.
The way my clients were treated.
Tommy and his team were fantastic. Always available for inquiries and they had a sense of urgency that I really appreciated. Tommy took the time to provide explanations for me as a 1st time home buyer that allowed me to fully understand each step of the way. I'm so pleased with how everything went, and would recommend them to friends and family any...
Tom Gainer was awesome to deal with And knows how to get the deal done
Tommy Gainer is hands-down the lender I trust most—both for my own personal loans and for my clients. Unlike big-brand lenders who tend to offer a narrow set of cookie-cutter options, Tommy does all the standard mortgage products plus dozens of additional lending programs that can often be layered or combined creatively. That flexibility makes a ...
Tommy is wonderful to work with! I 100% recommend working with him!
Great attitude! Positive outlook! Professional and Honest! Highly recommend!
I've sent several people to Ricky, he's on top of things and the clients really like him. Would definitely recommend him again in the future.
He was absolutely amazing! Made the process so easy for me & explained everything in a way I could understand! would 100 percent recommend!
Ricky is a true professional who puts his client’s first. He was there for my family every step of the way, even when he was sick. I feel very lucky having worked with Ricky and I highly recommend him as a lender. If you want someone who will work hard, and create peace of mind along the way then look no further. Thank you Ricky for all your assi...
I have worked with Ricky Sowers on several transactions and he has been absolutely fantastic to work with! Not only is he professional, but knowledgeable, friendly, and always available to help. Ricky makes the lending process as easy and stress free as possible. I highly recommend him to anyone looking to buy or refinance their home!
Ricky and the team at Land Home Financial Services are awesome! As a Realtor, I can rest assured that any of my buyers who use this team will be treated professionally and that they will get the job done! Great communication & always a pleasure to work with!
When it comes to getting someone approved and making their dream of purchasing a home come true, Ricky Sowers is the one I will always recommend. 5 stars all day.
Ricky is an excellent communicator and does an amazing job keeping everyone on the same page.
⭐️⭐️⭐️⭐️⭐️ Working with Ricky Sowers at Annie Mac was truly a great experience. From the very beginning, he made the lending process clear, smooth, and stress-free. Ricky was always available to answer questions, explain details in a way that made sense, and made us feel confident every step of the way. What stood out most was ...
Ricky was prompt, professional, informative and friendly throughout the entire process. He actually delivered ahead of schedule and made the entire process seamless and stress-free. Highly recommend him to anyone looking for a loan officer! 10 out of 10!
Ricky went above and beyond to get this deal to the closing table. He was always available to answer any questions and made sure the borrower understood the process.
Working with Ricky was an excellent experience. We had a mutual client and were able to close on time without any issues. He always maintained great communication throughout the process. Highly recommend!
Communication was great and always answered all our questions. Very helpful
Ricky is amazing -- he helped me so quickly and he was VERY communicative, knowledgable and helped provide a great deal of guidance. Ricky was also able to help me get a great rate and made this experience smooth! Thank you, Ricky!
Ricky is a great loan officer, I have worked with him professionally. He goes above and beyond for his clients, answering their questions no matter how many, answering calls and is transparent with clients. Highly recommend!
Ricky was incredibly helpful and thorough with every step of the process. He was readily available, answered every question and concern we had, and went above and beyond to get us our loan ahead of schedule. He was extremely professional and kind, a true joy to work with. Would recommend to anyone and ev...
Ricky never disappoints! We feel so confident referring him to our clients. We know he will go above and beyond. Communication is most important in any transaction and Ricky nails that every time!
Ricky and the team made the entire process seamless. From start to finish there was open communication and a commitment to excellence. Truly unmatched work ethic, I will be recommending to everyone I know looking for a loan
Ricky and worked together for many years. He's always professional on time has great follow through and follow up. I will continue to use him to support my clients with their financial needs.
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!