Meet The Team

If you are looking to start your home buying journey, have questions about loan options or need help with your account, our team of experts are here to support you.

Loan Officers

Kevin Heffernan

Branch Manager
(619) 900-1818
NMLS# 1049299

Kevin currently serves as a Branch Manager for Military Home Spot Lending. Originally from St. Louis, he has lived in Southern California since 2012. With more than 8 years of experience helping Active Duty, Veterans, and their families use their VA Loan, he takes great pride in delivering world class customer service. Since 2014, Kevin has helped over 400 families buy or refinance their home using the VA home loan. His passion for educating others on the benefits of the VA loan ensures his clients are informed, empowered, and prepared when it comes time to purchase their new home. Kevin turns what most believe to be a stressful process into a positive experience that they will remember for years to come. In his free time, Kevin enjoys spending time with friends and family, playing golf, and watching Pittsburgh Steelers football!


Caleb Whisman

Production Manager / Army Veteran
(619) 900-1819
NMLS# 1293292

Caleb Whisman, Army Veteran, and former Deep Sea Diver, has made it his mission to aggressively serve his fellow brother, and sisters in arms on their journey to home ownership. He is well known for his ‘brotherly’ attitude, and step-by-step guidance through the escrow process. He fully believes that the home buying process can be stress free, and completely enjoyable, and he strives to make every purchase or refinance successful in this way. During his free time, Caleb enjoys all water activities and playing baseball. Boomer Sooner!


Merry Cristiani

Loan Officer
(619) 272-2293
NMLS# 1717999

Merry is an experienced & dedicated loan officer who is committed to providing her clients top notch customer service. With a background in finance and non-profit work, Merry is uniquely positioned to help each of her clients reach their home loan goals. Always going the extra mile, Merry serves her clients with integrity, warmth & consistent communication. As a VA home loan specialist, she loves working directly with her community members, in particular active duty members, veterans, and their families.


Joshua Deleon

Loan Officer
(808) 895-4343
NMLS# 1540815

Josh is from Kona, Hawaii but has called San Diego home for the past 8 years. With over 5 years of experience, Josh is dedicated to helping veterans achieve their dream of homeownership by providing outstanding customer service while ensuring the home buying process is easy from start to finish. He enjoys working with veterans because it is a privilege and honor to help those who sacrifice so much for everyone else. In his free time, Josh loves going to the beach, playing volleyball, basketball, and spending time with his wife and 1-year-old son.


Jessica Palmer

Loan Officer
(210) 742-7474
NMLS# 527704

With over a decade of experience in the South Texas mortgage industry, Jessica has a well documented track record of ensuring her clients receive the best mortgage to fit their specific needs. Jessica, along side her team, are committed to delivering a stress-less mortgage experience with no surprises. She specializes in VA loans, VA jumbo loans and ensuring Veterans are able to use their hard earned VA benefits. As a Gold Star Family member it was a simple decision to dedicate herself to serving the needs of other military families through the home loan process. Jessica is committed to going the extra mile for each of her clients, because she knows the meaning of service. Jessica is a native Texan and currently lives in New Braunfels with her husband and furry dog kids. She loves spending time with friends and family, relaxing at the lake, staying involved in her community and is always excited for football season!


Mariano Dowgaluk

Loan Officer
(831) 325-1249
NMLS# 1104979

Mariano has worked in mortgage lending since 2003 – initially as a Processor, and currently as a Loan Officer. He is knowledgeable, friendly, humble, and always available. When he’s not busy at work making homeownership dreams come true, Mariano spends his time at home with his two boys, Enzo & Luca (ages 5 and 1), and his gorgeous wife, Maria Teresa.


Sabrina Barella

Loan Officer
(619) 729-3990
NMLS# 2122096

Sabrina was born and raised in San Diego CA. She comes from a background in Marketing, Customer Service and PR. She is passionate about the work and volunteering she has done in helping Military and Veterans since 2004, including traveling the country on a Salute Across America tour in 2019. Sabrina volunteered with the USMC Wounded Warrior battalion and USO San Diego for over a decade helping with numerous events and teaching classes on relationships and communication. She is passionate about bringing authentic, clear communication, compassion, integrity, fun, clarity and ease to the home buying process for her Military family. In her free time, she enjoys volunteering with select non-profits which serve Military and Veteran causes, especially around suicide prevention. She finds joy in and recharges by having fun with friends and family, horses, movies, camping and hiking. Sabrina's favorite saying: "To be yourself in a world that is constantly trying to make you something else is the greatest accomplishment." - Ralph Waldo Emerson


Jason Gibson

Loan Officer
NMLS# 1311102

Jason has over 12 years of experience in the mortgage industry. He has been fortunate to have many roles allowing him to understand the process from start to finish. He has a passion for helping others fulfill their dreams of homeownership. Originally from Iowa, he was stationed in San Diego during his time in the Marine Corps, and has been here ever since. During his free time he enjoys running, the beach, watching The Office, and spending time with his wife, Madie, and two daughters, Lucy and Winnie.


Reggie Bickford

Loan Officer
(858) 349-9164
NMLS# 1897301

Reggie Bickford is a mortgage specialist with the expertise, patience, and drive to find the right loan for his borrower’s current and future financial needs. Reggie holds a B.S. in Real Estate Finance from the University of Southern California and a J.D. from California Western School of Law.

Reggie built his career as a realtor and property manager in the Coachella Valley, where he brokered the sale of 101 rental units and two dozen owner-occupied homes. With his real estate background, Reggie entered the mortgage industry part-time in 2019 while attending law school. He enjoyed the mortgage industry so much that he continued originating mortgages full-time after obtaining his degree. Reggie understands that building equity through homeownership is achievable sooner than many realize.

Recreationally, Reggie is a basketball enthusiast. He played basketball at Torrey Pines High School and later coached at Desert Hot Springs High School. He currently lives in Scripps Ranch with his wife Anayeli and his dog Woody.


Caitlin White

Loan Officer
(573) 826-0450
NMLS# 2035156

Caitlin is a skilled customer service professional with over 12 years of experience. Originally a Missouri native, she relocated to Las Vegas for work in 2016 before settling in San Diego last year. She comes from a background in Medical Aesthetics and brings a passion for learning and providing the utmost support for everyone she works with. Her goal is to make sure her clients feel comfortable and confident in every step of the home buying process. In her free time, she enjoys spending time with family and friends, yoga, baking and playing tennis.

Tom Lanen

Tom Lanen

Loan Officer
(858) 405-0682
NMLS# 1536828

Tom has been helping borrowers with their lending needs for over 5 years and prides himself on delivering the highest level of customer service by always being available to his clients. He is a specialist in VA loans and has helped well over 500 families with their mortgage needs. His primary focus is to make the buying or refinancing process as seamless as possible and makes sure that the experience is stress free for all of his clients. In his free time, he loves to travel with his beautiful wife Sara, head down to the beach with his Boston Terrier, Pepper or you’ll find him on the golf course any given weekend.


Nick Price

Loan Officer
(619) 859-6095
NMLS# 1336512

Nick was born and raised in Alabama. In 2001 he joined the United States Navy and served eleven years as a Nuke Electrician in the submarine community. In 2011 he left active duty but continued to work for the Navy at Pearl Harbor Naval Shipyard as a civilian shift test engineer and a US Navy reservist. A move from Hawaii to San Diego in 2015 led Nick to the mortgage industry where he has served as a loan officer for over seven years. Nick has dedicated himself to providing word class customer service. Every client is treated like family with an appreciation for their circumstances to ensure they are choosing the right loan for their situation. When he’s not busy at work making homeownership dreams come true, Nick is spending time with his daughter Peyton(3), son Parker(1), his beautiful wife Shauna, and their two pups Rosco and Leila.


Kyle Melvin

Loan Officer
(619) 859-6094
NMLS# 1486450

Kyle has been in the home loan industry since 2016. Specializing in VA home loans and has helped over 400 families utilize their VA home loan benefit. Kyle prides himself on being relatable, knowledgeable, and easy to work with. He truly strives to make the home buying or refinance process as easy as possible for all his clients, while being very transparent and up front about potential bumps in the road. Kyle takes those extra steps to get to know the families he is serving on a personal level. He understands that purchasing a home for the first time can be overwhelming, which is why he makes it a point to stay in constant communication with his borrowers while making himself readily available at any time of the day.

Originally from Denver, Colorado, Kyle attended the University of Colorado at Boulder where he obtained his bachelor’s degree in Business and moved out to sunny San Diego in 2011. In his spare time, you can find Kyle at the beach, golf course or hanging out with his Aussie Labradoodle, Maverick.


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in over 609 reviews



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Support Team

Michael Lammers

NMLS# 1507461

Michael Lammers was born and raised in the Midwest, but took a job in San Diego four years ago. He enjoys outdoor activities like hiking, biking and just interacting with the community. The best part of interacting with the community is the honor of helping some community members buy homes, especially those who helped protect it.

Hong Nunns

(619) 728-7620
NMLS# 1870981

Hong joined the Military Home Spot Lending team in August, 2019. She has a diverse background in finance and IT, and is a Navy Veteran. Having used her VA home loan benefit to purchase multiple homes, she knows how to provide veterans with a smooth and stress-free home buying process. Hong lives with her husband and two sons in San Diego. When she is not busy chasing them around, she enjoys playing video games, reading or baking.

Gage Murphy


As a California native, born and raised in San Diego, Gage Murphy has a passion for helping his community achieve affordable home ownership. Joining the mortgage industry in 2018, Gage has excelled in assisting clients experience a smooth and seamless outcome throughout their mortgage process. As a member of the MHS Lending team, Gage is ecstatic to work alongside veterans and assist them in obtaining their dream home or refinancing an existing mortgage. In addition to his passion for helping his community, Gage is a sports fanatic. Some of his favorite activities include: watching baseball, basketball, and football, playing golf, hiking, or biking along the beach. Gage loves his community and looks forward to working with you!

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