Do you see a new home in your future?
We do, too.
We aim to make the mortgage process as straightforward and seamless as possible. After all, this is one of the most significant financial decisions of a lifetime. Our highly qualified home loan originators are with you from the moment you begin exploring homeownership until after you close on your dream home. And we're still here when you're ready to purchase your next home or refinance your current mortgage.
We proudly serve clients in South Carolina, North Carolina, Georgia, Florida, Alabama, Tennessee, and Virginia.
Ready to Apply?
Know who you want to work with? Apply with one of our home loan originators or submit the form below.
BILLY HOWARD
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.
MEGAN MONROE
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.
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.
LAURA CRISCO
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.
COLE MCCOLLUM
MATTHEW WALKER
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.
SANDY ALBRIGHT
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!
BOBBIE KATHERINE LONG
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.
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.
BRIAN STEVENS
MIKE MIXON
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.
KATHLEEN BRADFORD
Committed To Finding Your Perfect Mortgage Regardless of Your Financial Situation
We offer a variety of mortgage products for you to get the mortgage that you need. We understand that everyone’s credit profile is different, so we offer products for borrowers with perfect credit as well as those with challenged credit.
Get Started Today
Contact our team today to learn how United Home Loan Services can help you.
GENERAL MORTGAGE INQUIRY