Our Mortgage Team

Elizabeth Million - VP Mortgage Lending

Elizabeth Million
Elizabeth grew up in Boulder CO, attended the University of Colorado, and graduated from Metro State College. She worked as a Real Estate Appraiser owning and managing her own appraisal company before starting her career as a Mortgage Loan Officer. With great attention to detail and meeting clients’ needs, Elizabeth strives to ensure that her clients receive the highest level of customer service. She is continuously learning how to be greener in her professional and personal life.

She is a member of State of Colorado GEO Working Retrofit Group Finance & Appraisal/Greening the MLS committees, a retired member of CHFA State Lender Advisory Board, BARA Government Affairs Board and the City of Boulder Housing Authority Council.

Chris Basford - Mortgage Sales Manager

Chris Basford
Chris Basford has been providing exceptional service to her clients for over 25 years in Northern Colorado. With great attention to detail and meeting clients’ needs, Chris strives to ensure that her clients receive the highest level of customer service.

Chris has lived in Fort Collins for over 30 years, and is a graduate from Colorado State University. She is a member of the CSU alumni organization, involved in United Way through Women Give and the Colorado Women’s Foundation and an affiliate member of the local Fort Collins Board of Realtors®.
NMLS# 408744
Apply Online Request an Appointment | 970.267.7689 | Windsor Mortgage Office

Chris Milbrath - Mortgage Sales Manager

Chris Milbrath
Chris Milbrath has built a career marked by ethics, integrity, backed by experience and based on a total commitment to customer service. With more than a decade of experience in the mortgage industry, commitment to provide the best customer service available have earned Chris loyal customer support as well as a strong referral base within the Real Estate Community. His Realtors know that Chris will put the best interests of their clients first.He is able to provide in-house loans along with in-house underwriting. This gives his clients options for out of the box circumstances.

Chris prides himself on his ability to analyze long and short term goals to make sure the mortgage program he designs for each person will be beneficial in every aspect. Chris enjoys running, mountain biking and skiing with his family and two dogs.
NMLS# 306002
Apply Online Request an Appointment | 720.652.7109 | Longmont Mortgage Office

Cameron White-Ford - Mortgage Sales Manager

Since graduating from Colgate University in 2001, Cameron has been involved in all aspects of the mortgage industry including processing, underwriting and originating home loans. In 2003 he relocated to Boulder so his wife could attend the University of Colorado. Cameron has helped hundreds of people buy a home, lower their monthly payment or consolidate debt.

Integrity is the cornerstone of Cameron's business. He believes a mortgage should be about building relationships and helping members find the home loan that is right for them. Cameron and his assistant will do everything they can to ensure that you get the best loan for your situation and will guide you through the entire process.

Anabel Allman - Mortgage Loan Originator

Anabel was raised in Longmont Colorado. She spent the last few years in the Midwest with her family but is very glad to be back on the Front Range. Anabel has been in the banking industry for 18 years and has valuable experience to get through even the most complex lending scenarios.

Allman prides herself in creating long lasting relationships with each borrower. Her Spanish speaking abilities enable her to provide excellent service to the Spanish speaking community.

In her free time, Anabel loves being outdoors, reading, and spending time with her husband and two fur kids.

Dave Armstrong - Mortgage Loan Originator

Dave was raised in a small town just a few miles from Colorado. He maintains those “small town values” of hard work and high ethics to this day. He has been providing exceptional service to his customers since 1993 and has a proven history of working with Conventional, VA, FHA, USDA and Portfolio loans.

He prides himself on being a part of his community; as a volunteer Board Member for Habitat for Humanity, Rotary International, Neighbor to Neighbor and the Affiliate Advisory Council for the Fort Collins Board of Realtors®. Throughout his career, Dave has enjoyed working as a licensed Real Estate Appraiser, Branch Manager and Wholesale Account Manager. He finds his greatest satisfaction working with homebuyers to build long and lasting relationships. Dave has enjoyed Colorado living most of his life. When he is not working, Dave spends time with family and friends participating in numerous outdoor activities including golf, skiing, scuba diving, fishing, camping and boating.

Barka Atsemet - Mortgage Loan Originator

Barka Atsemet has worked in the financial industry since 2004 and at Elevations since 2014. He earned a bachelor’s degree with a minor in business management from Colorado State University. Inspired by the credit union philosophy of “people helping people,” Barka’s goal is to help you navigate through the mortgage financing process from application to closing. Barka will be your personal advocate and help you find a loan that best fits your needs, whether you're a first-time homebuyer, a homeowner thinking of refinancing your existing mortgage or a seasoned homeowner looking to upgrade, downsize or purchase a vacation home or investment property.

Barka and his family came to the United States as refugees in 1990 and quickly felt at home due to compassionate, caring people like his family’s sponsors, who helped them assimilate to the U.S. and made them feel welcome. After this experience, Barka knew he wanted to serve his community and pay it forward. In his free time, Barka coaches his son’s basketball team, watches all their sports games and enjoys spending time with his wife, two sons and dog.

Ian Bennett - Mortgage Loan Originator

The first thing you will notice about Ian Bennett is his genuine and personable demeanor. A mortgage professional since 2006, Ian uses a consultative approach to determine which loan program will help you achieve your overall goals. He values integrity and transparency above all else and believes that the loan process should be about building relationships with his clients. With his vast experience, Ian is able to help a broad spectrum of home buyers, from first-time homebuyers to seasoned investors.

Ian is originally from southern Vermont and has lived in Colorado since 1999. Prior to working in home finance, Ian managed several small businesses, including a contracting company, and he studied construction management at CSU Denver. Ian and his wife Jill (a Colorado Native) live in Boulder with their daughter and son, and enjoy hiking, fly fishing and camping.
NMLS# 300599
Apply Online Request an Appointment | 303.443.2050 | Broomfield Mortgage Office

Chris Coley - Mortgage Loan Originator

Originally from Northern Virginia, Chris has been in the mortgage industry in Northern Colorado since 2001. He uses a consultative approach to finding the right loan for each client and their needs. He values integrity and honesty and believes the loan process is about building relationships with his clients. Chris is actively involved in the community, lending his time to the Boy Scouts, President of the Foothills Rotary Club, Youth Softball Coach, LBAR Rookie Club Chair and Colorado Youth Outdoors. Chris and his wife Karen live in Fort Collins, have 3 daughters and enjoy spending time outdoors hunting, fishing, running and camping.

Trevor Cook - Mortgage Loan Originator

Trevor Cook
Trevor is a Colorado native from Arvada. He studied finance and played hockey at Western Michigan University. Since graduating in 2005, he has enjoyed a well-rounded banking career. With his history in Northwest Colorado and knowledge of mortgages, his customers feel welcome to the neighborhood, get their questions answered, and find the right mortgage for any situation. In his free time, Trevor likes running, hockey, live music, and spending time with his wife and daughter.

Melissa Cotton - Mortgage Loan Originator

Melissa Cotton
A native of the Boulder area, Melissa has vast knowledge of mortgage loan programs and guidelines with more than 20 years of experience in the mortgage and real estate industries. She prides herself on paying close attention to the details to ensure your experience is seamless and stress-free. She works hard to understand your financial goals to help you select the mortgage loan that best meets your needs.

When she’s not working, Melissa can be found enjoying the outdoors on a trail or spending time with her family.

Chris Cullen - Mortgage Loan Originator

Chris Cullen
Chris has been assisting clients purchase and finance real estate in Boulder County for over 20 years. He recently joined Elevations Credit Union to give his clients the best products, rates and customer service the industry has to offer and is thrilled to be part of an organization that has similar business philosophies to his own.

Chris grew up in Northern Virginia about 20 minutes from Washington D.C. Now in Boulder, he and his wife, Kristi, and daughter, RyAnna, enjoy spending time together doing outdoor activities such as mountain biking and hiking.

Rick DeMario - Mortgage Loan Originator

Rick DeMario
Born and raised in Wisconsin, Rick DeMario is proud to now call Colorado home. With over 20 years of experience in the mortgage industry, Rick’s career has been built on doing what's best for his clients and acting with integrity and compassion. His vast experience as both a mortgage lender and manager allows him to provide his clients with the best service no matter their situation. An avid outdoor enthusiast, Rick loves the Colorado lifestyle; he can be found running a local trail or hiking a fourteener.

Derek Erickson - Mortgage Loan Originator

Derek Erickson
Derek began his career in the banking and financial services industry after earning his MBA in Finance from Colorado State University in 1998. With over 20 years of experience, he knows the importance of listening and understanding a client’s situation to help develop a unique solution to reach their financial goals. He prides himself on helping clients understand a mortgage loan and guiding them through the home buying process. As a Marine Corps Veteran, he specializes in VA loans and understands the unique challenges and situations common to Active Duty and Veterans alike.

Derek grew up in Boulder and now lives in Loveland with his wife Jamie and two daughters. In his spare time he can be found outside bicycling, training for a triathlon or skiing with his daughter.

Mark Fasnacht - Mortgage Loan Originator

Mark Fasnacht
Mark graduated from the University of Nebraska Lincoln, with a major in accounting and economics and has been helping people with mortgage solutions since 1997. Just as Mark applied his competitive spirit to the world of skiing and cycling, he takes pride in helping people create competitive and appropriate solutions for their mortgage needs.

Mark has been a Boulder resident for 25 years where he lives with his wife and two children.

John Gilfedder - Mortgage Loan Originator

John Gildfedder

John has over 20 years of financial industry experience to help his clients realize and achieve their dream of home ownership. He understands the importance of taking a holistic view of every client and finding the most appropriate loan program to fit their needs. He joined Elevations Credit Union so that he can offer the best products and exceptional service to his clients to make the mortgage experience a great one.

Born and raised in New York, John moved to Colorado in 1990, where he currently lives in Broomfield with his wife and two children. He spends his free time with his family, golfing, watching sports and playing with his two toy Australian Shepherds.

Jill Hartman - Mortgage Loan Originator

Jill is dedicated to exceeding her clients’ expectations and providing them with a truly exceptional home loan experience. Her commitment to this goal often takes her above and beyond what is necessary. She believes success is achieved through hard work and reliability and strives to develop lasting relationships based on trust. Her balanced combination of knowledge, integrity, patience and attention to detail ensure a stress-free experience and a smooth loan process for her clients.

Jill’s 15+ years in the industry, as well as her background in loan processing/closing, gives her a unique perspective on all aspects of the loan transaction. She particularly enjoys solving problems and provides individualized service to help every client find the right program for them.

A native of Colorado, Jill attended the University of Northern Colorado and received a bachelor’s degree in Business Administration with an emphasis in Finance. She is happily married to Josh, a financial services representative, and the greatest joys in her life are her daughters Aliya and Elianna.
NMLS# 481108
Apply Online Request an Appointment | 970.310.7005  | Windsor Mortgage Office

Ed Hermsen - Mortgage Loan Originator

Ed Hermsen
Ed has been in the mortgage industry for over 14 years and prides himself on being able to form long-lasting relationships with his clients. That passion has helped Ed provide service that keeps his clients coming back and referring their friends and families. He is a graduate of Chadron State College, where he earned a bachelor’s degree in real estate finance.

Ed enjoys spending time with his family and you can usually find him coaching one of his three sons’ many sports teams on the weekends. He is also an instructor for Neighbor to Neighbor, providing resources for first time home buyers.

Matthew Hill - Mortgage Loan Originator

Originally from Steamboat Springs CO, Matt moved to Boulder in 2011 after graduating from Western State University where he ran Track and Cross Country. Matthew graduated with a degree in Exercise Science and Physiology. Matt has worked in sales and customer service for over 4 years and understands that everyone’s needs are different. He provides the best options and information he can, so that his members can make the best decision possible for their mortgage needs.

Sam Hoaster - Mortgage Loan Originator

Sam Hoaster
Sam Hoaster began originating mortgage loans in Atlanta in 1990 after earning his MBA in Finance and Real Estate from the University of Georgia. He moved to Boulder in 1997 and has called it home ever since. Sam’s passion in business is service and ethics. Listening to clients, analyzing their situation, and designing mortgage solutions that serve their best interest is what guides him every day. In his free time, Sam enjoys cycling and trail running.

Lacey Hoenshell - Mortgage Loan Originator

Lacey Hoenshell
Lacey Hoenshell has been in the Banking and Finance industry since 2001. She studied Banking and Financial Economics at the University of North Dakota. Since joining the Elevations team in 2012, Lacey has successfully closed over 1,000 loans making her a valuable resource to her peers and members. Lacey’s energy and excitement is refreshing to the first time homebuyer and seasoned investor alike.

Coming from a military family, Lacey has moved more than 20 times and understands the importance of making the home buying process a smooth transition. Lacey currently lives in Westminster with her husband and four children.
NMLS# 573158
Apply Online Request an Appointment | 720.562.4612 | Broomfield Mortgage Office

Sara Ibarra - Mortgage Loan Originator

Sara Ibarra is a second generation Boulder native. She attended Boulder High School and graduated from the University of Colorado Boulder. Sara began working at Elevations Credit Union in 2007, and found her passion educating members and providing financial guidance. As a mortgage loan officer, Sara strives to make the home-buying experience positive, seamless and stress-free.

When not in the office, Sara can be found spending time with her family and enjoying the Colorado sunshine.

Anita Kelly - Mortgage Loan Originator

Anita Kelly
Anita has been a resident of Fort Collins and a committed lender in Northern Colorado since 1979. As an experienced and dedicated lending professional, she focuses on helping her customers understand Elevations' home financing options. Anita is an alumni of the University of Denver and a lifelong learner. She enjoys writing, volunteering, gardening, traveling and spending time with her family.

Susie Kiesling - Mortgage Loan Originator

Susie Kiesling
Originally from Central Illinois, Susie moved to Northern Colorado in 1979 and has been working in the mortgage industry for over 35 years. She started her career with a finance company processing, underwriting and collecting personal loans. From there, she moved into residential mortgage loans with a national savings and loan company. After working in many different areas of mortgage lending, Susie has been able to move back to her first real passion – the origination of loans and working one on one with her clients. She strives to treat every mortgage loan as if it were her own.
NMLS# 121598
Apply Online Request an Appointment | 970.217.4950 | Windsor Mortgage Office

Peggy Kramer - Mortgage Loan Originator

Peggy Kramer
Peggy Kramer has been in the banking and mortgage industry since 2005. During this time customer service has always been her priority. She is always an advocate for her clients and takes great pride in finding mortgage solutions for each of her customers, especially those with complex lending needs.

Peggy grew up in Fort Collins and enjoys family time, bicycling, scuba diving and traveling with her husband, Chuck. She is also a member of the Loveland-Berthoud Association of REALTORS® and actively supports community charities; one of her favorites is Food Bank for Larimer County.

Peggy is excited to work with Elevations, a local Credit Union with such a passion for giving back to the community.

Lauri Larson - Mortgage Loan Originator

Lauri Larson
Described by her clients as “great at finding solutions” and “looks out for my interests," Lauri Larson navigates the complex lending process with the same diligence and approachability for first time home buyers, and real estate investors alike. With over 25 years of financial experience, Lauri’s familiarity with the loan system translates into a simpler, less daunting challenge for you.

When she gets a breath from the demands of lending, Lauri enjoys the many outdoor activities that Colorado offers. Her emphasis on listening and her personable demeanor, result in timely communication, value-added advice, and a loan that is designed for you.

Sabrina Lee - Mortgage Loan Originator

Sabrina Lee
Sabrina has been in the mortgage business in the Longmont area since 1985. She is very active with the Longmont Association of Realtors, serving on the Affiliate Committee, Community Services Committee, and the Governmental Affairs Committee. She also has volunteered at the Longmont Humane Society, OUR Center, Habitat for Humanity, and the Inn Between. Sabrina has lived in Colorado since 1971. In her free time, she enjoys golfing, her motorcycle, gardening and traveling with her husband.

Laurie Mead - Mortgage Loan Originator

Laurie Mead
Laurie moved from Florida to Boulder in 1992 for the area’s beauty and how nice the people are. As a loan officer, she understands what her clients need in a transaction, and she uses her knowledge from past roles as a mortgage banker, a Real Estate Associate Broker, a real estate investor, a landlord and a securities trader. She enjoys working with clients purchasing first homes to dream homes to income properties.

Laurie is detailed oriented, fun to work with and builds lifetime relationships with her clients and partners. Laurie’s clients love her evening and weekend availability, and her consistent and professional representation of them. When she isn’t helping borrowers on the weekend, she enjoys hiking with her dog and taking pictures of beautiful places.
NMLS# 482986
Apply Online Request an Appointment | 303.519.2617 | Broomfield Mortgage Office

Chris Oxley - Mortgage Loan Originator

Chris Oxley
Originally hailing from British Isles, Chris relocated to Colorado in 1999. Shortly thereafter, he began working for local mortgage brokers, and then ran his own mortgage company for six years. Chris is a customer service advocate. He strives to offer world class service and communication to all parties involved in a home mortgage transaction, ensuring new and existing home owners make informed decisions to help them in their home financing goals.

A member of the Longmont Association of Realtors Affiliate Committee, Chris enjoys being part of the local Real Estate Community. When he is not working, Chris loves spending time with his wife and son.

Jim Perkins - Mortgage Loan Originator

Jim Perkins
Jim has been in the mortgage industry for over 20 years and is a graduate of Colorado State University, where he developed a passion for banking. Since then, his mission has been to help as many people as he can, in a way that significantly improves their lives through appropriately financed home ownership. Jim has achieved President Club status for 13 years, an award that goes to the top 10% of loan officers in recognition of their mortgage production and high customer service standards.

Jim prides himself on being a part of the community and has had the honor of working with Habitat for Humanity and Sertoma Club, as well as serving on the Board of Directors for Suncoast School of Innovation Studies and Sunovia Energy Technologies. He and his wife Elizabeth live in Northern Colorado and have three children.

Bryant Pryor - Mortgage Loan Originator

Bryant is a seasoned mortgage loan officer. Having been in the mortgage industry for the better half of 15 years, he has weathered both the booms and busts of real estate. His tenure provides him with the insight to help make dreams of homeownership a reality, and his resourceful, collaborative style is apparent in the way he educates his clients about their options. He is dedicated to helping you make the most informed mortgage decision that blends your personal financial plan and other life goals like retirement and wealth accumulation.

Originally from Los Angeles, Bryant moved to Denver in 2010. He studied business marketing at San Jose State University, where he was a student athlete.
NMLS# 484157
Apply Online Request an Appointment | 720.879.2464 | Broomfield Mortgage Office

Greg Roller - Mortgage Loan Originator

Greg Roller
Greg Roller started working for Elevations Credit Union in 1999. He specializes in customizing mortgage solutions for his clients and working with first-time homebuyers. More than just quoting an interest rate, Greg takes the time to answer all of your questions. Whether purchasing or refinancing, his expertise and experience along with competitive rates and programs, help ensure members get the right mortgage to meet their needs. Greg has a Bachelor’s degree from Ball State University in Indiana. He lives in Northern Colorado with his wife and kids.

Michael Roth - Mortgage Loan Originator

Michael Roth
Michael has been in the mortgage industry since 2004 and a Mortgage Loan Officer with Elevations since 2008. Prior to that, he was a Mortgage Processor and Closer. Because of his experience he understands every aspect of the loan process, enabling him to close loans more efficiently. Michael’s goal is to bring excellent service and transparency to the ever changing world of real estate. Michael has a well-rounded knowledge of mortgage lending and is determined to provide the best service to our members.

Blake Schaefer - Mortgage Loan Originator

Blake Schaefer
Blake moved to Boulder in 2001 to pursue the active lifestyle that Colorado affords and has been involved in many different facets of the real estate transaction since arriving. Blake got his start in the Title Insurance industry and uses his closing, sales, and management background to bring a unique understanding of the intricacies of each transaction.

With a level headed and calm demeanor, he excels at connecting with buyers to help them feel comfortable and understand the process as they pursue their dreams of home ownership. In his free time, Blake enjoys snowboarding, hiking, and playing softball and soccer with his wife and two kids.
NMLS# 1163829
Apply Online Request an Appointment | 720.562.4614 | Broomfield Mortgage Office

Trish Shaw - Mortgage Loan Originator

Trish Shaw
Trish has been in the lending business since 1980. She is proficient in assisting members, from first-time homebuyers to high-end homeowners, with their mortgage needs. Trish is a member of the Boulder Area Board of Realtors Affiliate committee and the Longmont Area Board of Realtors Affiliate committee where she enjoys helping and sponsoring events in her community.

Trish brings exceptional customer service to our members. She is always available to answer your questions. Because of Trish’s mortgage lending experience, she has Realtors and past clients statewide that continue to call on her for guidance and advice.

Ken Schmidt - Mortgage Loan Originator

Ken Schmidt
Born and raised in Colorado, Ken Schmidt grew up in a rural farming community and attended the University of Northern Colorado in Greeley as well as the University of Colorado Boulder. He has been in the mortgage industry since 1999 and is committed to providing his clients with the highest quality financial services combined with the most competitive financial solutions tailored specifically to meet their mortgage needs.

Ken has experience with Conventional, FHA, VA, Jumbo, Construction, and Development Loans. In his free time, Ken spends time with his wife and three children, taking family camping trips, traveling, and watching any and all Colorado sports.

Sandra Soehngen - Mortgage Loan Originator

Sandra Soehngen has a solid foundation in the real estate industry as both a mortgage loan officer and a real estate broker. Over the course of her 14 year career she has helped countless families achieve their dreams of homeownership. Her extensive experience with a variety of home-buyers – from first-time buyers to investors to those looking for jumbo portfolio loans—gives her a deep understanding of the mortgage process.

Sandra is a former business owner and an investment property owner with an accounting background. She has the knowledge, resources, tools and credit acumen to provide expert guidance to meet the unique and often complex income and asset profiles of her customers. She is also a member of the Denver Metro Association of Realtors, Rotary Club of Denver and the Asian Real Estate Association of America.

A resident of Denver, Colorado she was born and raised in New Jersey and lived in Manhattan for many years. She enjoys metalsmithing and exploring the beautiful state of Colorado.
NMLS# 1031145
Apply Online Request an Appointment | 720.584.5288 | Broomfield Mortgage Office

Kelley Spight - Mortgage Loan Originator

Kelley Spight
Kelley has lived in Fort Collins since 1971, where she has enjoyed growing up in this wonderful community and watching it grow. She believes Northern Colorado is one of the best places to raise a family and the perfect place to invest your hard earned dollars in real estate. Kelley has been in the financial industry for 38 years, with the last 20 specifically in mortgage lending. Her goal has always been to build life-long trust and respect with her clients, and she truly enjoys helping families with their home financing needs.

Kelley and her husband, Steve, have two sons that were born, raised and attended college here. She enjoys spending as much time as possible with her sons and their families, including her two grandchildren.
NMLS# 420438
Apply Online Request an Appointment | 970.617.4034 | Windsor Mortgage Office

Aaron Staufer - Mortgage Loan Originator

Aaron Staufer

Aaron has been involved in real estate since 2006, first as a licensed Real Estate Agent and for the last 10 years on the mortgage side. Aaron is consistently ranked among the top producing loan officers not only in Colorado but also nationally. His passion lies in the education of our membership, and with his vast experience in real estate, he is uniquely qualified to assist our members with every kind of purchase and refinance transaction.

Aaron received his bachelor’s degree in philosophy with a minor in ecological and evolutionary biology from CU Boulder in 2008. He has been in Colorado for over 30 years and a volunteer diver at the Denver Aquarium on the weekends.

Mark Sööt - Mortgage Loan Originator

Mark Soot
With over 20 years of mortgage lending experience, Mark prides himself in delivering "top of class" service to help his clients realize their home financing needs. Mark earned a bachelor's in marketing and a master's of business administration in finance from the University of Colorado and has lived in Boulder since 1981, building deep roots and lasting relationships in our local community.

A proud grandfather, Mark enjoys spending time with his family, giving back to the community and pursuing his passion for mountain sports.

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