Realty Executives Phoenix

Shelly S. Smith

REALTOR® (602) 616-3483

Shelly S. Smith


Realty Executives Phoenix

Mortgage Professionals



Financing Resources

Home financing can be a critical part of any real estate transaction.  Please recognize that there are web sites listed herein with valuable information regarding mortgages if you just take advantage of reading–thanks.


Credit Reporting Agencies

The following links are designed to assist you in understanding more about your financing.  Please call or email me with any questions.  It is best to initiate a conversation with one or more lenders to determine with whom you are comfortable and avoid having several different lending professionals all trying to pull your credit report/history. 


Susan Cossey                                                                                                                                                         

Senior Loan Officer

NMLS #237875

Summit Funding Inc.

623.210.4059 Mobile


Five-Star Review:  Summit Funding made my first home-buying experience a breeze! Everyone is helpful and nice. They really gave me personal service and took the time to answer all of my questions. I highly recommend them!  Samantha


I personally entrusted my own home loan to Susan Cossey in 2016 and my husband and I closed a VA home loan through Summit Funding; it was a breeze.  Summit Funding Inc. is streamlined with respect to technology and we found it to be a very smooth transaction.  We completed a refinance through them as well at a historically low rate.


Greg Geenen

NMLS #236948

City Wide Home Loans

17700 N. Pacesetter Way, #102

Scottsdale, Arizona 85255

602.742.3438 Office

602.363.6157 Mobile

480.822.6261 Fax

Licensed in Arizona and Washington


Christopher J. Gilbert

Mortgage Banker/Branch Manager

NMLS #180201

V.I.P. Mortgage Inc.

7747 W. Deer Valley Rd., Suite 240

Peoria, Arizona 85382

623.223.1805 Direct

602.540.7575 Mobile

623.218.9089 E-Fax


Chris has closed numerous loans for clients of mine and done so with complete professionalism and finness.  He closed a significant jumbo loan for one of my clients and secured that loan when it involved very complex business and tax information through which he needed to navigate.  He was a hero to all of us!  He comes highly recommended for complex and high-end lending. 


Joel Reikes

Mortgage Loan Officer

602.767.6002 Office

310.994.0074 Mobile/Cell

Spire Financial - The Freeman Team 


Joel was on the opposite side of a transaction I had in the summer of 2021.  I represented the sellers and we received weekly loan status updates with commentary in each email and an invitation to call or contact him at any time.  The transaction closed within 30 days of acceptance, was a luxury property, and the buyer was getting a jumbo loan!  The 'Rush' appraisal was completed with price determination within eight (8) days of acceptance!  


Kelly Zitlow, Head of Elite Branch Network at Keller Mortgage, Sr. Mortgage Advisor 


Direct: 480.725.0150 or 

NMLS 164330


Kelly is the 'teaching' Mortgage Professional with the team and knowledge for all types of loans from FHA, VA, and Conforming Conventional to Jumbo Loans!  Experience success.




















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