October Connections

Spotlight: Castle Cares Page 12 Oh my gourd, it’s Halloween fun! Page 16 Employee & Team Highlights Page 20 OCTOBER 2022

Table of Contents 03 Birthdays, Anniversaries, New Hires Castle & Cooke Mortgage 04 Executive Insights Executive Team 05 September By the Number$ 06 Employee Recognition Rick Cardillo | President/CEO 08 Q3 HOME Value Recognition Jim Modrycki | SVP Production 10 HOME Value of Focus Danny Jasper | EVP Capital Markets Perris Bullard | SVP Credit Risk Colleen Fisher | SVP Operations Samantha Bateman | SVP Compliance Scott Gonzalez | Chief Financial Officer Katie Evans | SVP Human Resources Connections Production Staff Ali Carver | Editor & Employee Engagment Manager Brittnee Talley | Designer 11 HR Message: Open Enrollment 12 Castle Cares 16 Halloween Fun 20 Employee & Team Highlights 13751 South Wadsworth Park Drive, Suite 101, Draper UT 84020 Copyright 2022 | Castle & Cooke Mortgage, LLC | NMLS #1251 Equal Housing Lender | All Rights Reserved

Birthdays Anniversaries Welcome TJ Diagne, Nov. 2 Colleen Bruening, 14 years Matt Cumming | Loan Officer Thomas Martin, Nov. 13 Jennifer Gokool, 14 years Sam Owens Hess | Loan Lisa Ainge, Nov. 17 Randy Whitaker, 14 years Officer Tammy Berg, Nov. 19 Brenda Harris, 10 years Araceli Cardenas, Nov. 20 Angie Vega, 7 years Anthony Vaughan, Nov. 22 Charlene Sharp, 7 years Philip Wheeler, Nov. 22 Katie Evans, 7 years Brian Rose, Nov. 24 Carrie Serbousek, 3 years Jessica McCormick, Nov. 25 Abbigail Clawson, 2 years Stephen Butler, Nov. 29 Doug Baron, 2 years Liam Hasbrook, 2 years Ryan Green, 2 years Doug McGregor, 1 year Fernanda Guzman, 1 year Luz Encarnacion, 1 year Tim Lewis, 1 year

executive insights After a very rough 3rd quarter for CCM and • Our support teams in Draper need to provide the entire mortgage industry, we enter the fall excellent service day in and day out to our months with some hope of stabilization in the salespeople. We need to out-service our market. It’s been a tough 90 days, but I am very competition in this market. proud of the effort we have had at all levels. We enter the fourth quarter knowing that rates are In a recent review of data provided by an in the mid to high 6% range which is the highest independent source that tracts Mortgage Banker rates Americans have seen since 2008. But and Bank performance, I found two things very inventory is increasing, house prices are dropping interesting: in all regions, builders are back to offering realtors bonus commissions to sell homes in their • Average days from application to fund tracked on developments and seller concessions are back. over 35 big mortgage bankers was 47 days over the last 60 days … CCM is at 37 days. What are we doing to rev the engines back up. • Average days from lock to fund tracked on over 35 • We see an opportunity to get aggressive in Govie big mortgage bankers was 42 days over the last pricing. Danny and Scott having been working 60 days … CCM is at 32 days. on a pricing project as the highest priority and branches and CD should see some big moves this We close deals faster (by 10 days!!!) and that is what week. In addition to the 37.5bps drop of the VA borrowers and realtors want in this market. LLPA we did last month. So please focus on the above, keep fighting the head • We will continue to be extremely diligent in our winds and communicate any ideas, issues, and expense control concerns to senior management. • We need to train everyone up on sharpening your marketing skills and efforts. The key in this market is to be in front of all your current and past relationships (both borrowers and referral partners) and to get in front of new borrowers on a consistent basis • Homebot—I just met with Homebot and although we have been using for over 6 months 80% of our originators DO NOT use it effectively. This needs to change and we will be offering more training to get you all up to speed. • Social media– We need to be out there all the time –Marketing has the tools for you. We need to use all resources. • Moving back to Total Expert- We believe Total Expert offers more tools to work with realtors than our current CRM. This should happen by year end. Marketing will update you all. • Our Finance team has done an excellent job to make sure CCM is financially stable thru this down cycle.

SEPTEMBER by the NUMBER$ September was another rough month here at Castle & Cooke as well as industry wide with both having one of their worst lending months on recent record. “So many things that effect our business were in play in September” said Rick on his Coffee with Cardillo call. “Rates continue to inch up. Inflation continues to grow. Housing prices are declining but not at a pace that has brought many buyers off the sidelines” he continued to explain, “and as result, there is simply less loan production out there to grab.” He also explained that interest rates are the highest they have been in over 20 years. Castle & Cooke funded just over $41 million in production which is the lowest we have seen in a very long time. We did have some bright spots as we saw a greater percentage of government business which Rick explained is a higher revenue product that conventional. We also saw a sharp increase in our second mortgage products that were introduced a few months back which is a great way to offset the loss of refinance business. Also, our purchase transactions continue to be our main source of production which is what we are known to be best in class at. More positive news is that we do expect to see some breaks in the coming months. There is speculation that rates may rally by the end of the year, and we expect to see more purchase activity as property values continue to drop making it more affordable to buy with the higher rates. “As we have discussed on previous calls, we are doing everything we can to continue adding products that can reach more borrowers to help our producers make more loans in this tight production environment,” said Rick. “We are attending the MBA Conference next week and will be meeting with many investors partners with the goal of quickly developing better options on our adjustable-rate and temporary buy down products to help buyers afford homes today”. Rick once again commended the entire team for all the hard work and commitment to success they have shown through the adversity. “Great companies don’t fail when the going get’s difficult, but rather they find ways to succeed…and we are a great company”. He further explained that we are built to weather the storm and grow strategically with the financial position we are in. “Simply put, we will make it through this period together.”

EMPLOYEE RECOGNITION What is it? Who should be nominated? Our Peak Performer and Rookie of the Month • If you have a coworker who’s gone above programs are your chance to show fellow employees how much you appreciate their and beyond on a recent project, hard work. These programs highlight the best nominate them! of the best on both the corporate and branch level, and they’re a great way to embrace our • If someone from another department company culture. helps your team, nominate them! Rookie of the Month • If your manager or colleague taught you a If you’ve been with Castle & Cooke Mortgage for less than a year, you can be nominated skill that makes your job easier, as a Rookie of the Month! We recognize two nominate them! employees each month during Coffee with Cardillo, regardless of location. Peak Performers If you’re selected, you’ll get movie ticket To be nominated as a Peak Performer, you must vouchers and a sweet hat! have been with Castle & Cooke Mortgage for at least one year. Each month, we recognize two VOTE HERE! Peak Performers during Coffee with Cardillo: one voted on by branches and one voted on ROOKIE OF THE MONTH by corporate. If you’re chosen, you’ll also get a $250 bonus and be entered into a drawing to attend the annual Summit Club awards trip! Did you know Castle & Cooke Mortgage is one of few mortgage companies that invites non- originators to the annual awards trip? VOTE HERE! PEAK PERFORMER

WINNERS PEAK PERFORMERS! RICCI LEA LOREN WAHLQUIST LAVENDER Post Closing Specialist II Licensing Specialist OCTOBER 2022 Corporate Vote Corporate Vote Loren Lavender is over every single mortgage license and business license that CCM holds and Ricci Lea Wahlquist is dedicated to her position. handles it with ease. She is polite, helpful, easy to But not only that, she helps with other projects, work with, quick to respond, and someone said, assists in training, and is quick to offer help to “I know I can always count on Loren”. Way to go anyone. Ricci is bubbly and positive and always a Loren! go getter. Someone said, “her smile is infectious, and her positivity lights up the whole post-closing dept.” Keep it up Ricci! PEAK PERFORMERS! ALI FELICIA CARVER GUNN Employee Engagement Finance & HR Generalist Manager Branch Vote OCTOBER 2022 Felicia Gunn is being recognized as one of this Branch Vote months Rookie’s of the month. She is always on the ball, quick to respond, and is super helpful. Ali is being recognized as one of this month’s peak Thanks for all you do Felicia! performers! She has a great attitude, is a pleasure to work with and very team oriented. Someone said, “she’s got a cheerful exuberance”. Great job Ali!

Q3 HOME Value Kudos of HOME Recognition—Q3 What if you see someone embodying a value that In January, we announced a new Employee is not the value of the quarter? Give a Kudos card! Recognition program. This department-based Kudos cards are available to give to anyone, by program was created because of your feedback, anyone, for on-the-spot recognition. and it’s centered around our values of HOME. Click for your printable or digital version. Managers, vice presidents, and senior vice presidents at corporate and managers at Award participating branches can recognize one employee each quarter for their exemplary ability For winning the HOME Value Recognition of the to embody the value of the quarter. quarter the employee receives: Values of the Quarter • Lunch with their manager or DoorDash • An afternoon off (paid) Even though it’s important to practice each value • A treat throughout the year, this recognition program awards employees in connection with the value of the quarter. Q1 = Have Trust Q2 = Openly Communicate Q3 = Motivate Everyone Q4 = Explore Possibilities

Q3 HOME Value Recognition Winners Carly Anderson | Compliance/Licensing Dan Taylor | HR Dani Dougal | Accounting/Finance Giselle Hatch | Funding Jenny Lowe | Corporate OPS McKayla Christenson | Closing Nichole Borkowski | Denver, CO Pam McDonald | Underwriting ss a werewolf and a vampire? … A fur coat that fangs TJ Diagne | Post Closing reat chemistry with your partner? … By dressing as a pair bar? … For the Boos.

Q4 What does Explore Possibilities look Explore Possibilities like? We grow and innovate by taking action and taking When the new values were announced in January, chances. we asked you to send in the chat what Exploring possibilities looks like to you. To remind us all, here Each month in Connections we are focusing on is a little bit of what was shared: the value of the quarter so we can learn more about it, practice it, and embody it! Q4 is Explore • Share your goals Possibilities. • Have someone or a team who is pushing you • Nothing is impossible Define it • Mentorship • Finding room for growth Castle & Cooke’s explanation of Explore Possibilities • Brainstorm ideas for solutions is: We grow and innovate by taking action • Looking for possibilities and taking chances. These words were chosen • My boss and department recognize my because of the power behind each of them. Let’s break it down together and define it. potential and allow me to learn to support the department and company. We: It’s you, it’s me, it’s each of us. We’re in it together. We can help each other reach our • Setting goals to help explore new possibilities. potentials. Learn something new! Try a new hobby. Figure out a Grow: expanding or increasing; undergoing natural new way of completing one of your daily tasks. Take development. As a company we work to increase a chance on something you’ve been thinking about. production of loans. But also we can work to better Then let us know how it goes. Email ccm-culture@ ourselves and better those around us. castlecookemortgage.com and share how you “explored possibilities” by December 30th and be entered to win Innovate: making changes; introducing new some free branded swag. methods, ideas, or products. This year we’ve rolled out new systems that increase production. Same goes with our lives, sometimes all you need is a new system to help change a habit. Taking Action: act; do something; proceed. Without this step of taking action the rest falls short. We need to actually walk the talk. Move forward and take action, in all aspects of our lives. Taking Chances: doing something that is risky or not easy. The best thing may not always be the easiest. Learning to take chances will let each of us step out of a comfort zone, where ultimate growth happens.



Quality Control Our QC team divided and conquered this year for their castle care projects. Kori: went and volunteered at the Salt Lake area Best Friends Animal Sanctuary. She checked in donations, did laundry, cleaned kennels, and restocked. She says, “I forgot to take photos while I was there however, I did come home with two new friends…yep I’m a sucker. Meet Oona (the little white boy), and his sister Onyx (little female). I lost a couple kitties two years ago and in a moment of weakness and complete happiness brought these two home.” JeNean: is receiving care from the castle as she recovers from shoulder surgery. Get better soon JeNean! Leslie: supported a local program, Backpack Buddies, whose mission is to relieve hunger for local children. They send food home to children who are dependent on the free and reduced lunch program so that they have food over the weekends and holidays. Thanks, QC, for sharing that the Castle cares!

Underwriting When your team is spread out across the country, serving together looks a little different. The underwriting team went and served their communities by giving of time and donations to their local food banks in addition to those impacted by the recent hurricane in Florida. Kristi Fuller, Sr Underwriter, shared of her experience, “I actually did 2 donations: 1 for NA Food Bank – I gave enough to cover almost 350 meals! & then a donation to Florida for aid to the peeps for Hurricane Ian. Living in Alabama, Florida is my neighbor & I have been to many of the places that no longer exist or have been majorly impacted by this storm -just so heartbreaking.” Thanks, underwriting, for caring for those impacted by hunger and the storm!

Compliance & Licensing With the rising numbers of homelessness along the Wasatch Front, the Compliance team wanted to help make a difference for those who are trying to better their lives. The Rescue Mission of Salt Lake offers help to the homeless by getting them back on their feet. They are a non-profit organization that does not receive any government help. All assistance is from donations by people like us in the community. So, we decided to do a donation drive for the items that are needed most. We received tons of toiletries, socks, clothing, and just over $145 in online donations! Thanks so much to everyone who donated! Learn more about the Rescue Mission of Salt Lake online, or on their Facebook or Instagram.

Las Vegas One of the ways that the Las Vegas team shows they care for their community is by participating in the annual Superhero 5k race. This race supports local superheroes, the children and their families who battle childhood cancer. The event is organized by the Candlelighters Childhood Cancer Foundation of Nevada, which provides emotional support, improving the quality of life, and offers financial assistance to families in need. Their goal is to allow families to focus on the journey and on loving their child. This year, Amy French, Tanya Cobler, Linda Douglas, Ricky Montanez, and Greg Price were able attend and cross the finish line.

Need pumpkin to talk about until Howl-oween? Don’t be a jerk-o-lantern, I dare you to play this Halloween trivia. It’s errie-sistible! How much do you knooooo? Try not to sheet your pants with these fa-boo-lous jokes. You’ll be saying, “witch, please”. Honestly, zombies think it’s the best thing since sliced head. There won’t be any resting witch face from you. Bone appetit! Let’s have some skele-fun!

Which first lady was the first to decorate the White House for Halloween? In 1958, Mamie Eisenhower decorated the White House for a Halloween luncheon with wives of staff members. What item is banned in Can you name the colors of California on Halloween? candy corn from the top to the bottom? Silly String. white, yellow, then orange Which U.S. state produces Where does “Double, It’s illegal to dress like a the most pumpkins? double toil and trouble” nun or priest for come from? Halloween in which US Illinois state? William Shakespeare's “Macbeth” Where was ‘Hocus Pocus’ Alabama. According to Section filmed? Complete this lyric from 13A-14-4, impersonating the the hit Halloween song clergy is a misdemeanor with a Though there were multiple The Monster Mash: “I was fine up to $500 or up to a year in shooting locations, the most working in the lab, late jail. famous \"Hocus Pocus\" scenes one night…” were filmed on location in Before jack-o’-lanterns Salem, Massachusetts. “When my eyes beheld, an eerie were carved as pumpkins, sight.” what other food was When was ‘Monster Mash’ commonly used? released? Which goddess is honored by the traditional Turnips. 1962 Halloween game, bobbing for apples? On average, how many cups of sugar from Bobbing for apples was part of a Halloween candy do kids Roman harvest festival honoring consume each year? Pomona, the goddess of fruit trees. 3 cups

I visited a real graveyard What is the fear of fear What do you get when you yesterday called? cross a werewolf and a vampire? I logged back into Myspace Phobophobia A fur coat that fangs around your What do you call Ryan Why do demons and ghouls neck. Gosling in a mummy hang out together? costume? How can you show you Because demons are a ghoul's have great chemistry with Ryan Gauzeling best friend! your partner? Why do skeletons have low What did Dracula say By dressing as a pair of test tubes self-esteem? when the witch and the for Halloween. warlock started kissing? They have no body to love. Why did the ghost go into Get a broom! the bar? What do skeletons order at a restaurant? Why don’t mummies take For the boos. time off? Spare ribs. What is the witch’s They’re afraid to unwind. favorite crime show?... What's a witch's favorite makeup? Who was the first actor to America’s Most Haunted play Frankenstein’s Ma-scare-a monster in the movies? What should you give a pumpkin who can’t quit Boris Karloff smoking? A pumpkin patch



EMPLOYEE HIGHLIGHT Lori Kodama Loan Processor, Boise ID Lori Kodama has been a Loan Processor in the Boise, Idaho branch for the last 3 years. She enjoys their small office of 3 people, Suzi Boyle (Branch Manager) & Brian Rose. They have a very close relationship and all work very well together. She has been in the Mortgage Industry for 20 + years experiencing management and processing. I grew up in a small town of Ontario Oregon and then moved to Meridian Idaho. I first got into the business with Key Bank Loan Center and then moved on to an actual mortgage company. I worked at Academy Mortgage for 11+ years and then Eagle Home Mortgage for 6 years. I am hoping Castle & Cooke is my last home. I really enjoy this company and have made a lot of special relationships. Lori enjoys spending time with her cat “Koda” and her niece’s. I also enjoy shopping and of course eating good food! I am a total “Foodie”! My favorite food is Mexican food. I spend a lot of time with family and friends. My favorite place to vacation is the Oregon Coast. FASCINATING FACT: One fun fact about me is that I love to go clam digging on the Washington/Oregon Coast!

EMPLOYEE HIGHLIGHT Siera Gomez HR Coordinator Hello, my name is Siera! I’m one of the HR Coordinators and have been in this field since fall of last year. I come from a big family (7 siblings) and adopted a little dog named Alfie last summer. He and I live in Kansas now (cue the Dorothy and Toto jokes) and are very slowly putting together our little apartment. Along with working with the Castle and Cooke Team, I am pursuing a master’s in human resource management. My passions include books, crafts, and buying rugs I don’t need and can’t afford. And of course, buying tiny sweaters for my tiny dog. FASCINATING FACT: One fun fact about me is that I am deeply entrenched in pop culture and regularly go down long rabbit holes to make sure I have every update on every scandal that ever occurs. So, if you’re ever looking for an opinion on Khloe having another baby, Nicki Minaj vs. Meg the Stallion or Taylor Swift’s easter eggs and upcoming album, hit me up.

UNDERWRITINGTeam highlight: Our Underwriters are like superheroes, who continually go over and above. Always looking to lend a hand. Treating each file as a family. One call, email, or instant message away. This team finds ways to make the tough ones work. Takes ownership & accountability for seeing each one through. Meet your friendly Underwriting Team. perris bullard Industry Experience: I have been in the mortgage industry for 22 years starting in Las Vegas and moving to SLC in that SVP–Credit Risk time. I enjoy helping others excel by sharing the experience and education I have received. I also enjoy the problem-solving and balance of risk and probability that come into play on more intricate transactions. As I’ve grown in the industry, it is rewarding to put those same principles into action on a broader spectrum needed for guidelines and higher-level decision-making. The best thing about the industry to me is the relationships I’ve made and maintained with friends, colleagues, mentors, and all those who have supported me throughout the years. As we all know, the stress of the industry can take its toll, so I’ve learned to always have an outlet. Though this has varied over time, one of my favorite pastimes has been to participate in triathlon races. Life motto: Words I strive live by: “…lean not on your own understanding.” It’s amazing what you can learn simply by being open-minded and knowing there’s always more than meets the eye.

Why I love what I do: I love the opportunity to share knowledge and help the team grow and develop. One of my favorite quotes is: “Leadership is not about titles, positions, or flowcharts. It is about one life influencing another.” John Maxwell. ������Get to know Seth: Love me some football seth d’amato Underwriting Manager Industry Experience: I’ve been a Mtg Underwriter for 19 yrs. I was a loan processor 12 years prior to UW both retail and wholesale (but I love retail more). I am able to UW all loan programs, except Non-QM. Government, FHA, VA, and USDA are my favorite loans. I’m happy to help the homeowner or returning borrowers achieve homeownership and love to look outside the box to help in any way I can. I love working at CCM and I am starting my 10th year here. pam mcdonald Get to know Pam: I’ve been happily married for 42 years to my husband, Bill. We have 4 grown children (1 of them is Assistant Underwriting Manager married) and 2 grandchildren (ages 5 and 15). They keep me very busy. Love being a Grammy. No pets. I am from Pennsylvania and have lived in CA, Chicago, Indiana, and here in Utah for 31 years. I love to cook and bake (ask anyone @ CCM). I make great Peanut butter bon bons, taco salad, and chicken corn chowder, and many others. Love spending time with my family. I love High school and MLB Baseball and college football. (Go BYU and Chicago Cubs!) kristi fuller Industry Experience: I have been in the mortgage industry for 25+ years on all sides, from selling/listing real estate Sr. Underwriter (real estate licensee), title, closing and UW. I am a fully designated UW; I also underwrite several different DPA/Bond programs. The thing I really like the most about UW is digging through the guidelines to find a way or thinking outside the box on SE income to get the borrower approved & to the finish line. At the end of the day knowing you helped a 1st time homebuyer meet their dream of homeownership or a repeat borrower moving up, is a great feeling. Prior to coming on board with Castle and Cooke, I worked for a large privately owned wholesale lender who was licensed in 21 states. Get to know Kristi: I am an Alabama girl (WAR EAGLE), married 23 years, currently I have 2 beautiful fur-babies (German shepherds). I am a huge animal lover (all kinds) and usually have a house full, my spare time is spent watching college football, DIY projects, playing with my dogs & ignoring my chores so I can enjoy my pool.

solomon shunnara Industry Experience: I’ve been in the mortgage industry for 15+ years and have been an underwriter for the past 10 years. One of my biggest beliefs in underwriting is having my internal clients understand the “why” behind my deci- sions. Building strong relationships w/ sales, processing, and closing is a critical part of having a good business relationship. Trusting each other is a major factor that enables us to do things in business that sets us apart from other companies. Lastly finding the common ground to get to the “yes” we all seek and get that final approval to close the loan. Senior Underwriter I truly love working here at CCM! Over the past 3 years, I’ve built some amazing relationships with co-workers. When I first walked into this place, I had people come up and say “welcome to the family” I was a bit taken aback by this and didn’t quite buy into it right away. Soon after, I real- ized that this company does, in fact, operate like a family (dysfunctional at times) but in the end, there’s a lot of love and respect. We all have a common goal, of getting the borrower closed ethically & being the best in the business, which I truly believe we are. Get to know Solomon: I reside in Mesa, AZ. I’ve lived out here for 23 years and moved from IA in 2000. People always ask me what brought me to AZ, and I always say to get out of IA. I’m a father to 3 beautiful girls, ages 20,11, & 8, of which I share 50/50 custody with their mom. I absolutely love being a girl Dad to these 3. Raising little humans is a true chal- lenge today, but very fulfilling. In my free time, I love to fish! Does not matter if from the banks of a lake or river, on my boat, or being out on the ocean. Fishing is one of my favorite past-times. Teaches me patients and is very rewarding when u get that big ol’lunker reeled in. I’m a huge Min- nesota Vikings Fan. I choose this team at a young age growing up in IA and have been cursed w/ heartache my whole adult life. Industry Experience: I’ve been in the mortgage industry for 10 years. I spent 8 years processing and underwriting for my previous employer, and I’ve been underwriting with CCM for 2 years. I am a very detail-oriented person and love to jump in and analyze numbers. That’s why I enjoy underwriting. I work remotely from my hometown Newark, OH which is 30 miles east of Columbus (GO BUCKS!!!). steve spain Get to know Steve: I have been happily married to my wife for 14 years (been together for almost 19 years) and we Senior Underwriter have four beautiful children ranging from 2 to 12. We also have one dog, two cats and two rabbits. My hobbies (if I ever have extra time, lol) include watching football, playing video games and hanging out with my family.

Industry Experience: Ryan got into mortgages in the height of the market back in Nov 2020, he is based out of South Salt Lake. Homes are one of the biggest financial decisions a person can make and to help be part of that experience is gratifying. Get to know Ryan: When I am not working though you can find me indulging in reality TV game shows, or playing with my dog, Boots! ryan green Jr. Underwriter II Industry Experience: I have been in the mortgage industry for over 20 years, I’ve worn many hats, from being in the broker world to wholesale to retail…from processing, underwriting, servicing to sales to even hard money lending, back to processing and now becoming a DE underwriter. What a journey! Get to know Angie: Going on 34 years (25 married) with my husband. I am a proud mom of two grown sons (fun fact – the youngest, Daniel works for the CCM, also). I have a 4 yr. angelica vega old grandson who lives in Des Moines, Iowa & he facetimes me every night…I love being a grandma! Oh – I am avid baseball fan – L.A. Dodgers being my Underwriter favorite team as I was born & raised literally a couple of miles from the stadium…my family & I moved to Southaven MS in 2019, which has been a huge but welcomed change. Industry Experience: I have been with Castle for over 4 years. I have been in the mortgage business since 1985 and I love this business. I wouldn’t want to do anything else. I have held several positions, but Underwriting is my favorite. No borrower is the same and every loan has a different scenario. No such thing as cookie cutter and that is what makes it exciting. We can make a difference in a family’s life and that is truly a great feeling. Get to know Sandra: I live in the great state of Utah with my sandra carlson (gerrard) husband. I have 2 children, my son lives in Logan, UT with his wife and my two grandchildren. My daughter lives in Sr. Underwriter Florida with her husband who is in the Air Force with my granddaughter. Being Grandma is the best!! My husband and I spend a lot of time in the mountains camping and fishing. We love to be outdoors and there are so many adventures that we planned. There are 5 National parks here is Utah and I have only been to one (Capital Reef). One down 4 to go.

HAPPY