Making Homeownership Your Reality
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Buying Your First Home?
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The Mortgage Process: What To Expect
Buying a home is one of your life's most important financial decisions.
We’re here to make the process as easy, enjoyable, and exciting for you as possible — because it’s more than a mortgage, it’s the key to your future! Here’s a road map of the journey you’ll likely take during the process.
Meet Our Team
Billy Howard
President
Loan Officer
Billy Howard Loan Officer NMLS #78891
Billy Howard, a native of Tarboro, North Carolina, graduated from UNC-Chapel Hill with a bachelor’s in economics. After buying, running, and selling a business, Billy joined a friend in the mortgage industry. He quickly decided it was the industry for him. After working for Green States Financial and King Financial until 2006, he started his first business, Carolina Choice Mortgage.
After Carolina Choice Mortgage expanded services to include North and South Carolina, Virginia, Georgia, and Florida, the company became United Home Loan Services, Inc.
In his free time, Billy enjoys watching Tarheel sports, volunteering with the Big Brothers Big Sisters of the Upstate, and spending time with his wife and two daughters.
Joanne Morgan
COO
Megan Monroe
Loan Officer
Megan Monroe Loan Officer NMLS #1703764
Megan joined United Home Loan Services, Inc. in 2016 as a loan processor and became a licensed loan originator in 2018. Before joining United, she worked in the hospitality industry for 25 years; she spent this time planning and executing high-end private events and weddings for The Cliffs.
Megan prides herself on helping her clients and agents work through the loan process with the utmost care, honesty, and compassion. She is passionate about working with all types of borrowers and enjoys the challenge of problem-solving for borrowers to achieve homeownership.
Megan is originally from Florida and has been a Greenville, South Carolina, resident for thirty years. Outside the office, she enjoys spending time with her daughter and Great Dane, Luka.
Matthew Walker
Loan Officer
Matthew Walker Loan Officer NMLS #1781448
Matthew joined United Home Loan Services, Inc., in 2018. He is a native of North Augusta, South Carolina, and holds a bachelor’s in Exercise Science from Lander University and a master’s of public health in Physical Activity from the University of South Carolina, Columbia. Matthew joined the mortgage industry and UHLS team after a successful career in community and public health.
Matthew enjoys watching basketball, collecting bourbon, and hosting family and friends in his free time.
Matthew resides in Columbia, South Carolina, with his wife and their two children.
Bobbie Katherine Long
Loan Officer
Bobbie Katherine Long
Home Loan Originator
NMLS #2225350
Bobbie Katherine joined the United Home Loan Services, Inc. team in 2020 as an Account Executive. In 2021, she became a licensed home loan originator.
Bobbie Katherine earned her Juris Doctor from Charlotte Law School, where she excelled in property law. Her experience in the housing industry includes property management, which led to her interest in becoming a home loan originator.
In addition to wanting a new challenge, she decided to become a loan officer to have a more direct role in helping clients make their homeownership dreams a reality.
Originally from Greenville, South Carolina, Bobbie Katherine enjoys traveling, spending time with friends and family, and cheering on her Clemson Tigers.
Sandy Albright
Loan Officer
Sandy Albright Loan Officer NMLS #2017090
Sandy knows that buying a home can be the most rewarding, yet stressful time in one’s life. She can speak from personal experience that having someone listen to you, answer your questions, and communicate with you can make the process much smoother. As a single mom of three, she wanted to give her children a home with room enough to “live” and make those special memories in life. It took some perseverance, but when the time came, she had a wonderful loan officer that was by her side and answered what seemed like the silliest questions along the way.
Sandy worked most of her career as a pharmacist, so she’s always had the desire to help others. Soon after buying her home, she decided to help others in a different way and felt mortgage lending was her next calling. Sandy now finds seeing people get the keys to their new home at closing the most rewarding experience.
Outside work, you can either find her providing Uber service for one of her three girls or running with her very energetic Goldendoodle, Penny. She’s a graduate of the University of South Carolina and loves her Gamecocks through it all! She is passionate about staying active and working out, so you can usually catch her at a noon class during the day. She feels blessed with a wonderful family and friends and loves to spend time with them whenever possible.
Whether you’re buying your first or tenth home, want to refinance, or anything in between, Sandy would love the opportunity to help you with that process. She will communicate with you and do everything possible to make it as smooth a process as possible!
Brian Stevens
Loan Officer
Brian Stevens Loan Officer NMLS #1983606
Brian Stevens grew up in Florida before joining the United States Air Force. While in the Air Force, Brian deployed three times overseas while finishing his bachelor’s degree in Accounting. After the Air Force, Brian joined the United States Marine Corps to fly Harriers. Four deployments later and after 20 years of service, Brian Retired from the Marine Corps.
As a Veteran, Brian understands the challenges and stressors involved in relocating and purchasing a new home. Brian is licensed in Florida and North Carolina.
Laura Crisco
Loan Officer
Laura Crisco Loan Officer NMLS #290100
Laura started in the mortgage industry in 1997 and joined the United Home Loan Services team in 2006. Laura has gained in-depth knowledge of loans of all types: first-time home buyer programs with little to no money down, USDA, VA, FHA, conventional, jumbo, and more! Knowing no two clients are the same, Laura prides herself on creating individualized plans and finding the best solution for each client, no matter how unusual or complicated their situation is.
In her 23+ year spanning career in the mortgage industry, she has earned a reputation as a caring mortgage professional who goes above and beyond to meet and exceed client expectations.
COLE MCCOLLUM
Loan Officer
COLE MCCOLLUM Loan Officer NMLS #2395838
Cole McCollum, born and raised in Belton, South Carolina, graduated from Clemson University with a Bachelor of Science. After a few years working as a Sales Representative in Southwest Florida, Cole moved back to South Carolina and found his new home at United Home Loan Services, Inc. as a loan originator.
Cole joined United Home Loan Services looking for the opportunity to work with a tight-knit team that encourages continuous learning and improvement.
His top priority is developing a one-on-one relationship with his clients to ensure they are confident in the loan and home buying process.
In Cole’s free time, he enjoys fishing, hiking, hunting, and spending time with his wife and daughter.
MIKE MIXON
Loan Officer
Kathleen Bradford
Loan Officer
Kathleen Bradford Loan Officer NMLS #2589566
Kathleen Bradford is transitioning from a career in education to mortgages because she had a fantastic experience buying her first home. Her real estate agent and lender answered hundreds of questions to help her navigate the process. Her agent cried when they met to do the final home inspection because she reminded her that it was the 1970s before a woman could sign up for a line of credit without someone else's signature. It's still one of her proudest moments.
Her goal is to be equally supportive and informative when her clients are trying to achieve their home-owning dreams. She wants to help them understand every piece of the process and to assuage their anxieties.
She wants everyone, even underpaid educators, to be able to own a home.
Terry Aloisio
Loan Officer
Allison Walsh
Senior Processor
Allison Walsh Senior Processor
Allison Walsh is a home loan processor who spent the better part of the last 20 years covering dream homes across the Upstate for local publications. Following a career change, she is thrilled to be a part of the UHLS team, helping clients achieve their own dreams of homeownership. Allison works as a lead processor, helping transactions run smoothly from contract to closing table.
Brenda Cooper-Pratt
Processor
Brenda Cooper-Pratt Processor
Brenda graduated from the University of South Carolina with a B.S in Business Administration and a minor in Accounting. Her first experience with lending was with personal loans in 1998 with Security Finance. In 2012, Brenda moved to the Greenville area, where she started with TD Bank with personal loans and moved to processing in late 2018.
In Brenda’s spare time, she loves to travel and spend time with her family and friends.
Brittian Gibson
Processor
BRITTIAN GIBSON Processor
Brittian Gibson was born and raised in Greenville, SC, and is an Easley High School Alumni (Go Green Waves!). She joined the mortgage industry directly after graduating, following in the footsteps of Senior Loan Originator, Laura Crisco. Brittian prides herself on assisting each client through their home loan process with individualized plans and patience. She is a dedicated member of the company, United Home Loan Services.
In her spare time, Brittian likes to spend time with her family and friends, cook/bake, and plan family events. From birthday parties and sleepovers to baby showers and gender reveals. Not only does she come from a big family with tons of events to plan, but her 16 nieces and nephews keep her on her toes as well!
Brittian lives in Greenville, SC with her soon-to-be husband, Daniel, and their 3 children Hayslee, Layklan, and Carmelo.
Cindy Cannon
Processor
CINDY CANNON Loan Processor
Cindy joined United Home Loan Services in February 2011 with more than twenty years of experience in the financial services industry. In her role as a Loan Processor, Cindy assists our loan originators in the processing and post-closing operations of mortgage loans.
Cindy finds helping clients fulfill their dreams of becoming homeowners the most satisfying part of her role at United. In addition, she is grateful for the lifelong friends and business acquaintances she has developed.
Cindy is originally from Lakeland, Florida and now resides with her husband in Greenville, South Carolina. She is very involved with her church and works alongside her husband, the Assistant Pastor, with the College & Career Ministry. She also enjoys spending time with her family and watching Florida Gator football and women’s college softball.
UNITED FOR OUR COMMUNITES
Our goal is to open the doors to opportunity through homeownership.
That’s why we work with local nonprofits that strengthen our community by providing financial education and stability, safe and decent housing, life-long skills and mentorship, and other services.
We pay it forward so others can create the foundation to a better life for now and for generations.
Community Partners
United News + Mortgage Resources
National Homeownership Month
Tips for the Mortgage Closing Process
Mortgage Loan Process Explained
Top 5 Mistakes When Buying a Home
The Do’s and Don’ts of the Loan Process
Mortgage Lender Services
We’ve got you covered.
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What our home loan clients say
We have been satisfying the needs of many home buyers for more than a decade. Read what our customers think about us and our services.
Ask Us About Your Home Loan Options Today
Let us work together in turning your dream home into a reality! Get in touch with us today for more information about what we can do for you. We offer our services throughout the Southeast.
SERVING THE SOUTHEAST FOR 15+ YEARS
United Home Loan Services, Inc. is a full-service mortgage company headquartered in Greenville, South Carolina. We provided a range of mortgage services from home loan solutions and refinancing for clients in Alabama, Georgia, North Carolina, South Carolina, Tennessee, and Virginia. And we’re still expanding.