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Consumer Direct Mortgage Team

Our Mortgage Experts are a Phone Call Away

Lucas Campbell

Lucas Campbell, Consumer Direct Mortgage Loan Officer

Office: 877-209-1626 ext. 3493
Cell: 352-650-0724
NMLS ID: #648830
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Lucas joined the mortgage industry in 2009, after graduating summa cum laude from the University of North Florida. While his degree in Political Science doesn't directly relate to home loans, Lucas found his experience, hard work, and dedication in college laid the groundwork for his professional life.

Since his start in 2009, Lucas has helped customers from all walks of life finance the home of their dreams. While each customer is unique, it's likely Lucas has worked with a situation similar to yours before and can find the mortgage solution that will best fit your life.

After getting married in May of 2016, Lucas and his wife Charlotte set down permanent roots in the Riverside area of Jacksonville, FL. He is here for the long-run, and won't approach any customer as a transaction. Instead, he sees working with his clients as an opportunity to build lasting relationships, even past the closing table. He looks forward to meeting new clients and becoming their go-to mortgage professional.

Lorenc Kovllari

Lorenc Kovllari, Consumer Direct Mortgage Loan Officer

Office: 904-398-7859 ext. 3427
Cell: 904-705-1739
NMLS ID: #1539771
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In 2013, Lorenc graduated from Florida State College at Jacksonville with an Associates degree in Business Administration. In 2015, he graduated from the University of North Florida with a Bachelor's degree in Finance with a concentration in Investments. His passion for finance and commitment to helping clients led him to start his career in the mortgage industry in 2016. He loves being able to help his clients achieve financial stability.

Lorenc recognizes that getting a mortgage can be quite an overwhelming process, especially for first-time buyers and people building their new home. But he also believes that financing your home shouldn't be overwhelming. It's important to understand every step of the process, and it's his job to guide you through every step of the way.

While Lorenc is not in the office, he enjoys reading financial literature, working out, and spending time with family and friends.

Chris Phethean

Chris Phethean, Consumer Direct Mortgage Loan Officer

Office: 877-209-1626 ext. 3257
Cell: 813-610-0374
NMLS ID: #1041035
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Chris has been in the mortgage industry since 2012 and has worked in the real estate field since 2009. Chris’ passion for the real estate and mortgages is evident in his work and dedication to his customers.

His degree in Public and Interpersonal Communication from the University of South Florida, and his years on the Savannah State University baseball team, laid the foundation for him to know how to connect with his customers on a special level. “As a baseball player in college, we were taught about competitiveness, sacrifice and teamwork and I quickly realized those same traits can be applied to the loan origination process. My goal is simple: never miss a closing date and ensure my customers are satisfied from start to finish through effective communication”.

When not in the office, Chris, along with his lovely wife Melissa, can usually be found on the water enjoying some fishing.

Harley Willhite, Consumer Direct Mortgage Loan Officer

Office: 904-398-7859 ext. 3614
Cell: 904-416-4774
NMLS ID: #1539760
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