James Caskey celebrates over 30 years of mortgage origination experience, assisting over 5,000 buyers with homeownership.
His client experiences transparency, tailor loan solution with exceptional pricing on a wide range of products.
His expertise helped develop the industry standard of “Fast Closing – resulting in the “The 12 Days or Less Closing ” reflecting his philosophy:
We Make Home Loans Easy!
YourBrokerJoseph.com is a top 1% loan originator, bringing a high-performance, proactive approach to every home loan. Since entering the mortgage industry in 2016, Joseph has built his reputation by staying ahead of the process, communicating clearly, and actively finding the right financing strategy for each client—not simply waiting for opportunities to come together. Whether you're buying your first home, investing in real estate, or refinancing, Joseph is focused on making the process fast, strategic, and straightforward while building relationships that last well beyond closing.
A Phoenix native, Noah Shurtliff entered the mortgage industry in 2020 and has built his business around helping homebuyers, homeowners, and investors navigate the lending process. When he’s not working on mortgages, Noah enjoys traveling, meeting new people, and staying involved in the local community.
Ramon Francis, known as RamonLoans, is a mortgage broker serving Arizona and Utah who believes the right home loan starts with understanding you, not just your numbers. He listens first, explains your options clearly, and builds a financing strategy around your goals and a payment that fits your life, so you feel supported and confident about your next move.
Dillon Howell holds degrees in Finance and Management from Northern Arizona University and has been a licensed mortgage professional since 2020.
As a first-time homebuyer specialist, Dillon focuses on finding smart financing solutions; including grants, down payment assistance, and $0-down options,
while working to minimize closing costs and keep more money in his clients’ pockets.
His goal is simple: make buying your first home easier, more affordable, and less intimidating.
Born and raised in Scottsdale, Alex Albanese is a Mortgage Loan Officer who takes the time to listen, understand his clients’ goals, and make financing easier to understand.
With a commitment to clear communication, integrity, and honesty, Alex guides buyers through every step of the mortgage process so they can make confident decisions.
Outside of lending, Alex enjoys spending his time on the golf course and following his passion for motorsports.
Mary Gilbert is a standout mortgage professional known for her expertise, enthusiasm, and dedication to helping Realtors navigate unique financing challenges. A familiar face on Mesa Realtor Tours, Scottsdale Luxury Home Tours, and other Valley property tours, Mary excels at finding creative financing solutions and simplifying even the most complex mortgage scenarios. Her passion for helping Realtors and homebuyers makes the home financing process smooth, stress-free, and successful.
Andrew Gurnsey is an experienced Mortgage Loan Officer in Tempe, Arizona, dedicated to making the home financing process simple, smooth, and stress-free. Specializing in Conventional, FHA, VA, USDA, and Jumbo loans, Andrew prides himself with finding creative financing solutions tailored to each client's unique needs and financial goals. Whether you're a first-time homebuyer, purchasing your dream home, or refinancing, Andrew is committed to providing exceptional service, competitive financing options, and a seamless mortgage experience from application to closing.
Syed Huq is a dedicated Loan Officer and who speak Farsi serving the Phoenix community surrounding areas. Since 2019 Syed has extensive experience in the mortgage industry and expertly guides clients through the complexities of home financing. He is committed to providing personalized solutions and helping individuals achieve their dreams of homeownership in the Tempe area.
Allen Caskey is a graduate of Northern Arizona University with a degree in Finance and a passion for the mortgage industry, having passed his Mortgage Loan Originator (MLO) exam at the remarkable age of just 16. Growing alongside Legacy Lending U.S.A., Allen has developed an impressive range of skills in video production, social media, artificial intelligence (AI), regulatory audits, and compliance. He also plays a key role in expanding Legacy’s Appraisal Management Company (AMC), demonstrating his versatility, innovative thinking, and commitment to the company's continued growth and success.
Emily Ramirez recently celebrated two years with Legacy Lending USA; she has become an invaluable part of the team. Emily has hands-on experience throughout the entire mortgage process, from processing, preparing loan documents to coordinating closings, post-closing, and funding. Her attention to detail, communication skills, and commitment to getting the job done makes her an essential part of the Legacy Lending USA team.
John Tretina enjoys staying active, spending time outdoors, and exploring new places whenever he gets the chance. Outside of work, you can often find him traveling, catching live music, or spending quality time with friends and family.
Dylan Provenzano earned his Master’s degree in Marketing from the University of Arizona in 2025. As Marketing Manager at Legacy Lending USA, he focuses on strengthening the company’s brand, creating engaging marketing campaigns, supporting loan officers, and improving the systems and communication that help connect clients with the Legacy Lending team.
