AK NMLS# 851273

Joe has 18 plus years of banking, consumer lending and mortgage lending experience, and previously worked at Primary Residential Mortgage, Inc. and Alaska USA Mortgage Company.

Originally from San Antonio, TX, Joe has lived in Alaska since he was 13-years-old. He has two young adult children, a son and a daughter. In his free time, Joe enjoys music. He's a blues guitarist and he is also an enthusiast for jazz and classical guitar. He's also a public speaker/entertainer and has performed as a stand-up comic. Joe also enjoys cooking, grilling, BBQs and entertaining friends and family.

AK NMLS# 404173

With over 20 years as a seasoned loan originator in Alaska, Erma’s career in real estate is part of a family legacy rooted in investing. Specializing in HUD 184, renovation, and new construction loans, Erma navigates diverse products, including multi-family investments. As a loan originator, Erma leverages her background to guide clients through mortgages, emphasizing personalized service and lasting relationships. For Erma, her work is about merging extensive industry knowledge with a commitment to well-being and building homes and dreams that stand the test of time.

Beyond work, Erma is a proud mom and grandmother, finding joy in her granddaughter's basketball games at the US Air Force Academy.

AK NMLS# 1531734

Debbie has resided in Alaska since 1996 with her three children.

Debbie was born and raised in the northern part of Illinois, and although she studied dietetics in college, she found that mortgage banking was her calling. Debbie and her husband first arrived in Anchorage over two decades ago when he was stationed at Elmendorf AFB. Throughout her career, Debbie has held multiple positions: processor, originator, and underwriter. Before coming to Cook Inlet Lending Center, Debbie had worked with Wells Fargo as an underwriter who was responsible for underwriting Conventional, VA, FHA, HUD 184 loans for 23 years. She currently originates the Down Payment Assistance loans and enjoys the opportunity of helping people meet their home ownership dreams. Debbie loves dogs, is an avid walker and enjoys spending her free time with family.

AK NMLS# 1752101

Julia was born and raised on a homestead on the Kenai Peninsula, moving to Anchorage for college.

She took a job at Wells Fargo to help pay for college, but it quickly became a career. Julia spent 16 years in various departments, including the branch, mortgage assumptions, business banking, and mortgage origination. She quickly learned that helping people obtain their first home was a passion and is excited to bring that dedication to Cook Inlet Lending Center borrowers. She loves to be there for her clients as a calm, steady, knowledgeable presence, allowing the process to be easier and less stressful than it otherwise might have been.

In her free time, Julia loves to do typical Alaskan activities like hiking and camping, but she also enjoys curling up with a good book while cuddling her very fluffy cats.

Jennifer was born and raised in California and moved to Oklahoma in 2020 to pursue a career as a loan counselor for the Chickasaw Nation.

She has been in the home mortgage industry for about 30 years and was referred to CILC by our partner, Chickasaw Community Bank, to join the CILC team as a Mortgage Loan Processor. Jennifer has four children, eight grandchildren, and one great grandchild. She enjoys trail riding and hiking with a passion for dogs and horses.

AK NMLS# 1662179

Benjamin Reynolds is a born and raised Alaskan, growing up and attending high school in Anchorage.

After graduating from Northwest University in Kirkland, WA, with a Music Production degree, he returned to Alaska. He began a career in the banking and real estate lending industries. With experience in Residential Lending, Mortgage Education and Training, and Quality Control, Benjamin joined CILC in 2023 with a passion for helping underserved communities in the State of Alaska realize their dreams of homeownership in this fantastic community we call home. Along with his work at CILC, Benjamin is a husband and father, musician, and professional wedding and family photographer who enjoys spending time with friends and family.