Our Team
Our team of licensed mortgage professionals are always eager to help you achieve your dream.
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- Kimberly Dudley
- NMLS: 1118220
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- Karrie Holman
- NMLS: 414407
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- Betsy Hucks
- NMLS: 867327
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- Emilie Oakes
- NMLS: 1682248
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- Ricky Peacock
- NMLS: 388654
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- Brian Zimmerman
- NMLS: 1614482
Our Branches
Our team can be found in the following branches:
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- NMLS#: 338923
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1445 East Main Street
Bartow, FL 33830
Bartow, FL - HSL
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- NMLS#: 338923
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120 E Pine Street
Lakeland, FL 33801
Lakeland, FL - HSL
Borrower Testimonials
You were there to help us through the long and difficult process to make this VA loan happen.
I’m so grateful for all the help and support throughout the process of purchasing my home. Everything was smooth and easy, and the team was always there to help. Thank you for making this such a wonderful experience! 🙏🏼🏡
Friendly and resolved concerns
Communication was excellent
Overall, communication was great. I appreciated the updates that were given through every step of the way
Thank you for your outstanding support and communication!
Emilie, Yanet and the rest of team made my first time home buying experience a very smooth one and I appreciate them for that.
FROM THE WARM WELCOME FROM THE SALES OFFICE TO THE PATIENCE AND UNDERSTANDING FROM THE MANAGERS AND LENDERS. THIS IS MY FIRST HOUSE PURCHASE AND IT WAS A LITTLE MUCH BUT EVEYONE WAS VERY POSITIVE THROUGHOUT THE PROCESS. THANK YOU SO MUCH!! :)
Simple, upto date information in all steps of process helps to understand what is next
The communication really helped us a lot, it was a long process but they made it less stressful.
Amazing experience! Our Mortgage Loan Originator was professional, knowledgeable, and incredibly helpful throughout the entire process. She kept us informed, answered all of our questions, and made everything as smooth and stress-free as possible. We truly appreciate her excellent service and highly recommend her.
Gina was fantastic throughout our entire first-home buying experience. We really appreciated her guidance and couldn’t have asked for a better person to help us through this process. Thank you Gina!
Gina made purchasing our first home such an easy and enjoyable experience! As first-time homebuyers, my husband and I had a lot of questions throughout the process, and Gina was always there to guide us and make sure we understood every step. She was incredibly knowledgeable, responsive, and genuinely a pleasure to work with. She helped make what c...
everything was made easy for us and smooth!
Very responsive!
What a blessing it was to work with every one on our journey. The support and knowledge and personalized care was absolutely phenomenal. Each step of our process was made so very easy that we were extremely grateful to have wonderful professional and the most kind, caring and loving attention shown to us every step of the way through our proces...
We were very very blessed to have been treated so very very well. The entire process was made so easy thanks to Tina Nehr, Karrie Holman and Marissa Fawcett. You all are the best of the best. I could not have done this process without each of you being so thoughtful, caring, knowledgeable and there for me every step of the way. What a great team wo...
Straight forward, seemless, attentive and expeditiously efficient.
Going above and beyond to make the loan work.
Communication and explanation
Regular and thorough communication, explanations, setting expectations.
Great communication!!
Gina was able to identify the right program for a very unique borrower and guide them successfully to the closing table. She consistently goes above and beyond what a typical lender would do. After 10 years of working with her, I can honestly say that choosing Gina has been one of the best decisions I have made in my real estate career.
Thank you for all your help with our project! you made the process easy and kept us right on schedule.We really appreciate everthing you did.
The reality check and lapse of communication once our loan hit underwriting. We didnt know what was going on for over a month. A weekly check in and status and explanation of whats going on wouldve been nice. Instead, once we got to underwriting everything we were told flipped sideways. It became survival to closing at that point. As first time hom...
Was able to connect with Karrie when needed
We got a challenging deal closed
Easy communication during the entre process although some of the requests seemed to be redundant.
Needed more communication and explanations to each step in the process. Key awareness of items included and not included. I found out at my first walk through that the fridge wasn't included which was a surprise to us. The second walk through didn't have things completed as discussed and we needed to wait till closing day to complete. And I would h...
Always responded to our questions and concerns within 24 hours of the ask. We appreciate your prompt responses, considering everything was being done remotely. Can sometimes seem a little scary.
Emilie has been wonderful to deal with she has been able to answer all or questions and has mad herself available for contact any day of the week
Everyone so far has been great Emilee has always been there . She is readily available to help and to answer any questions
The communication from the team was outstanding and we appreciated the quick response from the team when we had any questions or concerns. The staff was also very friendly.
Great communication. Kept us informed.
Everyone was very responsive and very clear in explaining everything throughout the process.
Treatments and knowledgment of process
The entire team was very responsive, knowledgeable, and professional thus allowing for a smooth and seamless process.
Communications were great everyone we talked with did a great job and are great people to deal with. Thank You Ricky Reynolds
Made the process very simple, great communication from the team.
Very Professional. No questions left unanswered. The best
Our experience with the loan process was excellent from start to finish. The entire team was professional, knowledgeable, and always willing to answer our questions. They kept us informed throughout every step of the process, making what could have been a stressful experience feel smooth and manageable. We truly appreciated their responsiveness, pa...
Got it done quickly.
It was a frustrating experience but the quick followup from your made it great.
GREAT EXPERIENCE!! THANKS Ms. WALKER TO HELP US.
Easy explanation of what needed to be done quick response back for messages website easy to maneuver im not very tech savey and it was easy for me to use friendly professionals to work with thank you
Communication. It is very nice to be able to communicate immediately with someone, especially when a problem arises.
Karrie Holman made what can often be a stressful process feel smooth, organized, and worry-free from start to finish. She was always professional, responsive, and willing to take the time to answer every question we had. Her communication was outstanding, and she kept us informed every step of the way so there were never any surprises. What impress...
From start to finish Gina was fantastic. Whenever I would get nervous about something she would reassure me that everything was going to work out. In the end all of our deadlines were met and the communication was fantastic. There is so much behind the scenes things that I don't think many people realize. I'm so grateful...
Absolutely the most friendly and helpful guide through the process. Making it so smooth getting us approved. Everyone of my calls was answered immediately and my questions got answered thoroughly.
The process was very easy and straightforward. Team was professional and available to answer any questions.
Gina helped us understand the process as first time home buyers and took a lot of the stress out the process!
Emilie made the transaction very smooth. She answered all my questions and was available to speak anytime I needed
Working with Emilie was great she took her time to explain each process
HSL provided a great experience from start to finish. The team was professional, helpful, and made the mortgage process feel smooth and easy to understand. I truly appreciate their guidance, communication, and support throughout the entire process. Highly recommend Emilie Oakes and the staff!
Always so responsive and answered all of my many questions along the way.
Gina communicates every detail and provides updates as they come in. She also provided excellent information and explanations. Couldn't be happier.
Gina is the best, I can’t recommend her enough she goes above and beyond to help you get approved. She’s always there when needed, responds fast and is just awesome !!
Everything was smooth and quick!
Gina and her team were great, start to finish! Communication was outstanding and it was a very smooth transaction.
My loan officer Gina went above and beyond to help me get my loan approved and she is super efficient , she responded super fast every time and was always there when I needed her . I couldn't recomend her enough
Gina and nancy along with amber were the best team any homeowner can ask for ! espically gina casue being a new home owner for the first time it was flustering but gina made it a smooth and great experience i I highly recommend.
Awesome service.
I have an excellent experience working on my loan with Gina. Respect, vast experience, communication, great attitude, knowledge and great service. She is a valuable helper in the process of getting a loan.
If you're unsure of who to use as a mortgage broker, stop looking and call Gina. Gina and her team are amazing, and do what they say they'll do and are available when needed. 100% positive experience. Thank you!
Gina and her team were amazing. They met and exceeded my expectations every step of the way during the loan process. From the first conversation I had with Gina, she was very professional, and throughout very responsive all the way to a quick and seamless CTC! Highly recommend Gina and her team they Will use their skills and expertise to get the tr...
Gina and Nancy were amazing through the whole loan process. They kept communication open, any time I asked a question they were quick with responses. Highly recommend using Gina!
Gina communicates every detail and provides updates as they come in. She also provided excellent information and explanations. Couldn't be happier.
Emilie Oakes went above and beyond to assist us with our loan process. She is very professional, pleasant, and extremely understanding. Our closing process was delayed due to issues with our builder however, Emilie kept us posted every step of the way! We were so fortunate to have worked with her. She is absolutely the BEST!
The ease of access to the information and people eliminated questions for me
Efficient ,professional
Emilie was a delight to work with
Ellie was very kind and understanding thru this ordeal we had with Highland homes. Thanks
Great team player and communication with the buyer to bring him to the closing table with no unpleasant surprises.