Eric Kilstrom

Eric started his career in banking as a bank teller while in college and knew he loved numbers and helping people with their money. Born in upstate New York, he came to Arizona in 1975 and has never left. Eric is founder and President of the Chamber of Commerce at Anthem, (www.chamberatanthem.org) founder and director of a non-profit organization that helps children with life threating illlness  (www.imagesaz.com/wecare) Along with being the director of the Anthem Realtor Tour, a certified instructor with two mortgage schools, he also coaches youth basketball and soccer. On Friday nights he can often be found as the stadium annoucer for the Boulder Creek Jaguars High School Football team. Eric has received many awards including most recently the 2007 Deer Valley Business Partner Award for his work with high school seniors. For more information on Eric visit www.erickilstrom.com or e-mail him directly at eric@gosfm.com

Ryan Halldorson

Ryan brings over 6 years of experience to Smart Financial Mortgage.  Originally from Omaha, Nebraska, Ryan moved to Arizona after graduating from Iowa State University with a degree in Industrial Engineering.  As a proud husband and father, Ryan understands the importance of your home and personal finances. Whether buying or refinancing, your home and your real estate are the cornerstone to your financial future and helping you find the best mortgage is his number one goal.   Ryan is also a certified instructor with the Arizona Association of Realtors to help educate and improve Realtors knowledge of the mortgage and financing side of the Real Estate business. E-mail Ryan directly at ryan@gosfm.com 

Fred Rauch

Fred, known better by his friends and past clients as Fast Freddy has over 28 years of experience as a professional mortgage banker and broker. At Smart Financial, Fast Freddy works with over 30 lenders from coast to coast to find you the best possible deal on the best loan product that fits your need. Knowing where to find that mortgage is about EXPERIENCE. Getting the loan closed and funded on time is about SERVICE. Contact Fred directly at fred@gosfm.com

Richard Blair

Richard Blair brings 25 years of experience in lending and real estate to help you understand financing options whether you are purchasing a home or refinancing. Richard takes a financial consulting approach with his clients, listening to their needs to formulate a financing plan that will meet their short and long term investment goals. Each client receives a customized Loan Planning Analysis to assist them in choosing the best financing option. Richard has served as a Director for the Arizona Association of Mortgage Brokers and is a member of the National Association of Mortgage Brokers. In addition, Richard is the former Chief Administrative Law Judge for the Arizona Department of Real Estate and is an active faculty member for the Arizona School of Real Estate. Richard brings experience, honesty and integrity to the lending process. 

Ron Bulliegh 

Ron Bulleigh brings over 30 years experience in mortgage lending. The purchase of your home is one of the most important financial events in your life. Ron's team of mortgage professionals assures you of a positive experience. Ron has tremendous knowledge of the Arizona mortgage and real estate environment. Ron and his family have lived in the north valley for 35 years. Ron can be reached days and evenings at (602)619-4952.

Cheryl Deluca 

Cheryl has been in the mortgage industry for over 11 years and was previously in the escrow / title industry for 20 years.  Because of her background, she has extensive experience and knowledge of the entire transaction, from loan application to funding.  She is extremely detail oriented, which means you'll be provided with accurate information from the beginning of the transaction.  As a mortgage specialist, she believes her role is to guide you through the loan process - whether you're a first time buyer or a seasoned veteran - taking the time to make sure you understand every step of the transaction.  Contact Cheryl directly at (928) 442-2128 or email her directly at cheryl@gosfm.com