Our Mortgage Team

Elizabeth Million - VP Mortgage Lending

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 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

Chris Milbrath - Mortgage Sales Manager

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.

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.

Dave Armstrong - Mortgage Loan Originator

Dave is a tenured Mortgage Banker who has been providing exceptional service to his customers for over 20 years. He has a proven history of working with conventional financing as well as VA, FHA, and Portfolio. He also has been a volunteer Board Member for housing charities such as Habitat for Humanity and Neighbor to Neighbor. Throughout his career, Dave has been a licensed Real Estate Appraiser, Branch Manager and Wholesale Account Manager.

Dave has enjoyed Colorado living most of his life. When he is not working, Dave spends time with family and friends and participates in numerous outdoor activities including golf, skiing, hunting, fishing, camping and boating.

Chris Cullen - Mortgage Loan Originator

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.

Stephanie Cramm - Mortgage Loan Originator

Stephanie has been in the mortgage finance industry for over 10 years, starting her career at a credit union. Her passion is helping people with one of the biggest purchases in their lives. Honesty and integrity are very important to Stephanie and in this business. She strives to provide members with the best customer service.

Stephanie grew up in Longmont and now lives in Denver. In Stephanie’s free time, she enjoys all that Colorado has to offer from camping to fly fishing. She also likes to read and spend time with her family.

Mark Fasnacht - Mortgage Loan Originator

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.

Ed Hermsen - Mortgage Loan Originator

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.
NMLS# 390005

Matthew Hill - Mortgage Loan Originator

Originally from Steamboat Springs CO, Matt moved to Boulder in 2011 after graduating from Western State University where lyhe 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 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 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.

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 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.

Randy Kelly - Mortgage Loan Originator

Randy graduated from CSU with a degree in Finance and Real Estate and has been providing top notch mortgage lending service in Boulder County for over 30 years. In his spare time he is an online instructor and author of the real estate finance course for Vaned, a local online real estate and appraisal school. Randy spends his winters skiing and his summers sailing and windsurfing.

Susie Kiesling - Mortgage Loan Originator

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

Lauri Larson - Mortgage Loan Originator

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 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.

Janet Lester - Mortgage Loan Originator

Janet moved to Colorado in 2004 after 26 years in Texas, and has been a professional lender since 1998. She is inspired by her strong belief in homeownership and a passion for helping others. Janet is supported by a local team that allows her to be responsive and focused on her members’ individual needs.

When she’s not helping others fulfill their dreams of homeownership, you can find her in the mountains with her husband and their yellow lab “Yaz.”

Chris Oxley - Mortgage Loan Originator

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 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.
NMLS# 698288

Tom Ray - Mortgage Loan Originator

Tom has an intimate knowledge of the entire loan process. He strives to help each individual achieve their goals, from first-time home buying to refinancing and investing. Tom strives to bring personalized solutions to each and every member.

A proud veteran of the US Army, Tom believes strongly in serving his community, including eight years on the Board of Directors for the Lafayette Chamber of Commerce and active participation in Rotary International. He enjoys travelling the world, but loves living in Colorado where he can spend time with his family and escape to the mountains for camping, hiking, skiing, and off-roading.

Greg Roller - Mortgage Loan Originator

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 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 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.

Trish Shaw - Mortgage Loan Originator

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

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.

Aaron Staufer - Mortgage Loan Originator

Aaron has been involved in real estate transactions since 2006, first on the real estate side and more recently on the home financing side. Aaron has seen both sides of the home-financing process and therefore is able to assist members in a unique way. He received his Bachelor’s degree in Philosophy with a Minor in Ecological and Evolutionary Biology from the University of Colorado Boulder in 2008. Aaron has lived in Colorado for over 19 years and is a volunteer diver at the Denver Aquarium on the weekends.

Mark Sööt - Mortgage Loan Originator

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.

Josh Williams - Mortgage Loan Originator

Josh started in Financial Services specializing in Real Estate in 1998. He has developed a wealth of knowledge over the past decade from his positions as an Area Sales Manager, a Title Company Account Executive and previous positions as a Loan Originator. With his background, Josh understands every step of both purchase and refinance processes and his goal is to make your experience as simple and straightforward as possible.

Josh was born and raised in Colorado and spends most of his free time on soccer fields across the state with his wife and four daughters.

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