PRACTICALLY FAMILY

Josh is driven by connection. He spent 12+ years in the mortgage industry as a sales leader and account executive with a focus on loan officer development. Throughout the years, Josh has personally developed hundreds of mortgage professionals, prioritizing a sense of urgency everytime - no exceptions. Trust and integrity are at the core of Josh’s success. His approach is simple: lead from the heart with accuracy and transparency - everything else will follow. Josh@PracticalMTG.com

Neil is "YES" man“. He loves a challenge - but more importantly, finding a solution. Neil brings 25 years of experience to TPMS as a senior operations leader with a focus on underwriting and client experience. Neil is a servant leader, and his “why” is growth and development for his team and clients. He is determined to deliver a personal touch with every client, every time. Neil is a US Navy veteran who values absolute integrity and transparency.

Neil@PracticalMTG.com

Whether you're a first-time home buyer or a savvy investor, Kyle Mendenhall's solution-based mindset ensures the very best options for his clients. In his first two years in the mortgage industry, Kyle closed more than $50 million in business - a testament to his incredible work ethic and out-of-the-box thinking. Kyle is a former college and professional basketball player & coach. He and his wife, Grace, have 4 boys, and are expecting a new addition in July!

Kyle@PracticalMTG.com

Libby Love started in the mortgage industry a decade ago. She's passionate about working with first-time home buyers and veterans while educating her clients about the mortgage process. Libby builds lifelong relationships with her clients, empowering and teaching them to build net worth using that first home as a rental in the future. Her husband, Mike, is a Marine, and their blended family boasts 6 kids from 10 to 28! Libby@PracticalMTG.com

Katie Skaggs positions herself as an extension of the realtor/client team. As a client, you can count on Katie to be two steps ahead - ensuring you're informed throughout your journey. Realtors have a strategic partner in Katie, as she curates solutions to fit clients' specific goals. Katie is a former President’s Club Account Executive at Rocket Mortgage. She's a proud wife, and mother of two who loves running, yoga, reading, and baking! Katie@Practicalmtg.com

Giselle Gonzalez is a dedicated professional, recognized for her efficiency and dependability. Over the past 14 years, Giselle's focus has been aiding immigrants in their journey toward residency and citizenship. While her background is rooted in Charlotte, NC, Giselle is of Colombian, Dominican, and Ecuadorian heritage and speaks fluent spanish, french, and english. Giselle is married to her middle school sweetheart, Jason, with whom she has two children. Giselle@PracticalMTG.com

With more than 25 years in the Mortgage Industry as a Certified Mortgage Banker (CMB),  Amy Ramsey helps clients navigate home financing with expertise and integrity. Married to her husband, Allen, for 30 years, they are proud parents of a son who serves as a nurse. Beyond her career, Amy is an active volunteer, community ambassador, avid gardener, and keeps busy with her rescue dog, Molly! Amy@practicalmtg.com

Letty Mullis' parents immigrated to the U.S. in pursuit of the American Dream, giving her a unique perspective when it comes to helping clients achieve their dream of homeownership. When Letty's not working, you'll find her indulging her hobby of interior design - she loves uncovering a diamond in the rough! She's married with two adorable fur babies; loves traveling, trying new foods, and cruising around on a Harley for a little adventure. Letty@practicalmtg.com

Sabian Culbreth is a father to two beautiful girls and the son of military parents who served 20+ years in the Army. Sabian was born in Panama City, Panama and attended NC State University where he was a member of the track and field team and later graduated from Winston-Salem State University with a degree in Sports Business Management and a minor in Accounting. As a licensed realtor and mortgage loan officer, Sabian lends his incredible expertise to homeowners. Sabian@PracticalMTG.com

JoColby Harrell is a retired veteran with 23 years of distinguished military service, including three combat tours—twice to Iraq and once to Jordan and Syria. Following his military career, JoColby has built a respected reputation in the mortgage industry with over 14 years of experience. His extensive background combines the discipline and dedication forged through military service with comprehensive mortgage expertise for families' complex needs.

 JoColby@PracticalMTG.com

With 20+ years experience in the mortgage industry, Kris Donovan understands the importance of building and maintaining relationships.  Kris' knowledge spans FHA, VA, USDA & Conventional loans through the communication (processing), underwriting, title, and closing. Whether it's a new purchase, refinancing to lower payments, or a renovation loan - Kris' knowledge is invaluable. Kris is grateful for her hard-working husband and 3 amazing children. 

Kris@PracticalMTG.com

John Newlands joins the TPMS team with more than 15 years of leadership in sales and customer service. Since entering the mortgage industry two years ago, John has made a name for himself by creating a seamless client experience - specializing in first-time home buyers, VA, FHA, Conventional, & ARM loans. John and his wife, Julie, have three kids (AJ, Kamryn, & Avery) and recently relocated to South Carolina where they love to live the salt life!  

John@PracticalMTG.com

Say hello to Office Dog/Baby Dog, our furry Chief Happiness Officer! With a wag that could power a small city and a knack for scoring extra treats, this four-legged wonder spends the day supervising meetings from a cozy lap and perfecting the art of puppy dog eyes. Whether napping in the sun or causing mischief, Baby Dog ensures every workday is pawsitively delightful! We'd post his email but he's PAWsing his socials right now :)