About Us

We are Versatile Mortgage

We are what we repeatedly do.  Excellence, therefore, is not an act but a habit. ~Aristotle


Randy BrownRandy Brown - 231.933.0900 direct
NMLS # 179424


Randy Brown is the type of Mortgage Professional you're going to want in your corner when it comes to getting the best mortgage.  Randy combines almost 2 decades of mortgage experience along with  a deep passion to deliver an amazing experience for his clients. Randy's creative approach to financing has made him one of the top wholesale lenders in all of Michigan.



Dave CraterDave Crater - 231.218.7545 direct
NMLS # 1450363


Dave is a veteran in the mortgage industry with over 18 years’ experience.  Dave has the ability of guiding you through the entire mortgage process from A to Z. "The mortgage process should be a fun and educational experience, I will go out of my way to make sure I find the right mortgage product to fit your budget at the best terms"



Jerry GacaJerry Gaca - 231.499.9849 direct
NMLS # 268863


Jerry became a mortgage loan originator in 2003. He is an easy guy to work with and will explain your mortgage process in terms you can understand. Professional, experienced and able to navigate the very complicated mortgage market with ease."



Meet Your Processor


Randy BrownNicki Klama - 231.946.2202 direct
NMLS # 1600896


Nicki is multi-talented making the loan process effortless.  Her attention to detail and knowledge of the entire mortgage process is second to none.  Nicki will make your mortgage experience a wonderful experience