"Good is the enemy of better." - Jonathan Ive

With an Economics degree from Rollins College and extensive experience in the finance industry, Joe oversees and directs several . Being involved in the loan process from start to finish means that he not only ensures the loans that come in are properly handled, but he makes sure that both client and realtor are satisfied with their experience.

Outside of Morgan Financial, Joe is a devoted family man and cherishes time spent with his wife and four children. Furthermore, he dedicates a great deal of time to charity and serves as a board member for Habitat for Humanity of Brevard. As far as his hobbies go, his passion for the water means that he has a knack for surfing and has even competed professionally in body-boarding.

NMLS ID: 322991

“In the end, it is not the years in your life that count. It is the life in your years.” – Abraham Lincoln

As Director of Operations here at Morgan Financial, Tia does it all. From maintaining operational standards, to strategic planning, coaching team members to be the best they can be, and so much more, Tia is the backbone of our company. She has been with Morgan Financial for 18 years, is the chairman of MF Cares, and leads by example through her loyal, tenacious, and giving personality.

Tia is is also a well-versed traveler! During her 25 years as a U.S. Air Force Spouse, Tia lived all over the world; in places like Turkey, Italy, and several U.S. states. Tia’s passion for photography helps her see the world from many different perspectives, and she values her family and her community dearly.

“Wisdom is not a product of schooling but of the lifelong attempt to acquire it.” – Albert Einstein

Ashley brings her loyal, careful, and rational work ethic to her role as Controller here at Morgan Financial. Ashley leads the Support Department, overseeing Accounting, HR, IT, and Maintenance. With her background in property management and short-term vacation rentals, Ashley has been a valuable member of the Morgan Financial team since 2015.

Ashley is as local as it gets, with most of her family both from, and still residing in, Brevard County. In her spare time, she enjoys painting, sewing, and crocheting. Ashley lives by her philosophy on life in that it’s not what you do, it’s what you learn along the way.

“Life is ten percent what happens to you and ninety percent how you respond to it.” – Lou Holtz

Scott brings the honor, discipline, and strength of a soldier to Morgan Financial and the industry. He uses his experience in the military and his Bachelor's degree in Technical Management to assist both veterans and civilians with achieving their dreams of owning a home.

One of Scott’s greatest prizes in life is his wonderful family. He is married to his wife of 18 years, and they have 4 adult children together who are all moving on to great things with their lives. When he is not spending time with his family, he is riding on his motorcycle and using that hobby to serve the community. As the Chairman of the American Legion Riders, he has helped to raise over $100,000 to help homeless veterans.

“Helping one person might not change the whole world, but it could change the world for one person.” – Author Unknown

Mary’s determined, dependable and welcoming personality, in addition to her 10 years in the industry, makes her a terrific Mortgage Loan Originator. Working with our clients to understand their needs and providing the best mortgage options is Mary’s main objective. She strives each day to provide the best service to every single client who comes to Morgan Financial and works hard to keep their mortgage on track.

Mary lives here in Brevard with her husband and three children. In her spare time, Mary enjoys quality time with her family by going to the beach, swimming, playing video games together, or watching movies. Her philosophy is to have fun, enjoy life, and help others.

“If your dreams don’t scare you, they aren’t big enough.” – Ellen Johnson

Shannon is one of our Loan Officers here at Morgan Financial, and has been in the mortgage industry for 15 years, 5 of those as an Underwriter. Shannon has also been a processor, closer, and marketing director for a title company in the past. Resourceful, trustworthy, and loyal, Shannon works with buyers and homeowners to be their resource of information, to guide and educate, and communicate with all parties involved throughout the loan process.

Shannon is the Co-Founder of Girl Gone CEO, and on her off days enjoys going to theme parks and spending time with her family, her rescue dog, and two red-footed tortoises. Her philosophy on life is to be a mentor, have a mentor, always try to improve yourself, be there for family and friends when they need you, and go for

“People have to be given the freedom to show the heart they possess. I think it’s a leader’s responsibility to provide that type of freedom. And I believe it can be done through relationships and family. Because if a team is a real family, its members want to show you their hearts.” Mike Krzyzewski

Rick brings his extensive background in the finance industry and over 19 years in financial services to his role here at Morgan Financial. As Mortgage Loan Originator, Rick spends his days assists his clients in choosing the right finance product for their mortgage needs and managing the process from start to finish, all while building meaningful and transparent relationships.

A true Brevard local, Rick has served as the Assistant Coach for Viera/Suntree Little League, Viera Regional Park Basketball League, and Coastal Man O War Travel Baseball!

“Attitude is a choice. Happiness is a choice. Optimism is a choice. Kindness is a choice. Giving is a choice. Respect is a choice. Whatever choice you make, makes you. Choose wisely.” – Roy T. Bennett

Johanna is one of our Loan Officers and brings both her extensive experience in customer service and 4 years in the financial industry to her role. She assists our clients through the mortgage loan process to determine the best loan programs and terms for their needs, and values providing the best possible mortgage experience.

When Johanna’s not at work, she enjoys going to the gym and spending time outdoors; kayaking, running, hiking, or just hitting the beach! Johanna also volunteers with the High Schoolers at Calvary Chapel Melbourne.

“Our lives begin to end the day we become silent about things that matter.” – Martin Luther King Jr.

As one of our Loan Officers, Nic ensures customers have the best Morgan Financial experience possible. While guiding clients through the mortgage loan process, Nic brings his kind, ambitious, and loyal approach to his role. When it comes to his work, Nic most enjoys meeting and communicating with new people daily.

In his spare time, Nic loves to golf, workout, watch sports, and spend time with family. Nic is also a Youth Soccer Coach at Space Coast United and lives by his philosophy to live today, learn from yesterday, and prepare for tomorrow.

"You miss 100% of the shots you don't take." - Wayne Gretzky

David brings his previous experience in management and in the mortgage industry to his role as one of our Mortgage Loan Originators here at Morgan Financial. Outgoing, reliable, and a team player, David spends his days working with business partners to ensure that our clients have an excellent mortgage experience. For David, success to him is having the people around him succeed!

When he's not at work, you can find David playing basketball or spending time by the pool with his family!

"Love what you do and do what you love."

Penny brings over 25 years of banking experience, 5 of which as a Mortgage Originator, to her role as one of our Loan Officers here at Morgan Financial! Day to day, you can find Penny assisting borrowers with their loan applications, gathering and verifying documents, and everything in between to help provide a streamlined and enjoyable mortgage experience.

In her free time, Penny enjoys spending time with her family, going to the beach, exploring the sunshine state, and hanging out with Buzz her Pomeranian!

“Life isn’t about waiting for the storm to pass. It’s about learning to dance in the rain.” – Vivian Greene

As our Loan Officer Assistant Team Lead, Jasmine spends her days overseeing the Loan Officer Assistants’ daily duties and responsibilities. Jasmine also assists our Sales Manager, lending a helping hand keeping his business in order. Jasmine brings 5 years of real estate market experience to her role, and most enjoys Morgan Financial’s family-oriented atmosphere where everyone is always willing to step up when needed.

When Jasmine’s not at work, she values spending time with her family, her two dogs, and her cat. They love being outdoors, going camping, and when it’s warm you can find them at the beach or by the pool.

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“Character can not be developed in ease and quiet. Only through experience of trial and suffering can the soul be strengthened, ambition inspired, and success achieved.”

As a previous business owner and entrepreneur, Lindsay brings a wealth of direct knowledge and experience to the table as one of our exceptional business development representatives. Lindsay enjoys spending her days working one-on-one with local real estate agents and their clients, constantly finding new ways to better serve their growing and changing needs.

Outside of Morgan Financial, Lindsay enjoys spending her free time with her family and two beautiful children, Tripp and Tess. Some of their favorite activities include riding bikes, swimming and playing or watching soccer. They love all things outdoors and ocean or water related. They're also FSU & Iowa fans, so during football season, they make sure to stay indoors to catch the game.

“And now these three remain: faith, hope, and love. But the greatest of these is love.” – 1 Corinthians 13:13

As one of our Business Development Representatives here at Morgan Financial, Jake spends his days acting as the middleman between our loan officers and real estate agents in the community, and educates South Brevard County on all things Morgan Financial. Jake brings his tenacious and energetic personality, as well as his entrepreneurial experience and Communications degree from Liberty University to his role.

Before settling down here in Morgan Financial, Jake grew up traveling the world with his Air Force veteran parents and has lived in many different countries. In his free time, he enjoys playing the guitar and piano, serving at church, playing sports, and spending time outdoors.

"He is a wise man who does not grieve for the things which he has not, but rejoices for those which he has." - Epictetus

Stephanie is one of our Closers here at Morgan Financial! Day to day, she reviews borrower documents to verify accuracy and ensure compliance with all federal and state regulations, so that our borrowers are ready to close. With a Bachelors of Science in Information Technology, and an Associates in Business Administration, Stephanie's attention to detail ensures a smooth closing process.

Stephanie likes to spend her off days watching the New York Rangers and New York Giants play (and hopefully win), walking along the beach, camping, hiking, Jeeping or crafting! She lives by her philosophy on life, to learn something new everyday and enjoy the little things.

"I'm not superstitious, but I am a little stitious." - Michael Scott

Heather brings her prior experience as a Finance Manager and a Retail Banking Manager to her role here as Executive Assistant. Heather provides administrative and organizational support to our executive team, and spends her days developing, implementing and maintaining learning programs that are aligned with the organization's objectives.

When she's not working, Heather enjoys playing volleyball, gardening, spending time with her family and one year old daughter Norie. A true shopping connoisseur, she even has a collection of over 100 pairs of shoes! Heather's previously done charity work with Soles4Souls, and speaks 4 languages: including French, Tagalog, and Japanese.

“A good plan violently executed right now is far better than a perfect plan executed next week.” – General George S. Patton

Brett’s dedicated, motivated, and disciplined work ethic makes him a perfect fit for his Research and Development role. Brett researches and implements valuable technologies for our organization so that we can provide our best service to our customers. Brett brings his background in legal case management and 5 years spent as a U.S. Army medic to his role and enjoys getting to work on new and different projects every day.

In his free time, Brett likes to spend time at the beach with his wife and three dogs, as well as pursuing his passions for woodworking, programming, science, and investing. Brett’s philosophy on life is to live each day with purpose and to help as many people as he can.

“You miss 100% of the shots you don’t take.” – Wayne Gretzky

As one of our Underwriter Assistants, Luke spends his days processing borrower documents to prepare them for Underwriting’s initial look, and auditing sections of loan files for accuracy and completeness. Luke brings his honest, loyal, and adventurous work ethic to his role here at Morgan Financial. Having previously worked on the evaluation side of the real estate industry, Luke provides experience in reading and evaluating appraisals.

Luke lives by his philosophy on life, to do what makes you happy. In his spare time, he enjoys golfing and values spending time with family.

"Work is love made visible." - Kahlil Gibran

As our Business Support Assistant here at Morgan Financial, Alia spends her days providing support to the Controller and the team through assisting with special projects, company goals, planning, and organizing. Alia brings her grit and determination to her role, along with her previous experience with Habitat for Humanity.

A true jack of all trades, Alia enjoys hiking, biking, traveling, sailing, scuba diving, and has even completed an Iron Man race!

“The best and most beautiful things in the world cannot be seen or even touched. They must be felt with the heart.” – Helen Keller

As Underwriting Team Lead here at Morgan Financial, Emily oversees managing the Underwriting Team and making sure clients are both quickly and properly served. Emily is a Certified Residential Underwriter and a VA/SAR Licensed Loan Originator, and most enjoys helping clients achieve their own American Dream.

Emily lives by her philosophy to live life to the fullest, and in her free time values baking, traveling, and spending quality time with her family. Emily enjoys giving back to the community, working with the Women’s Center of Melbourne and our MF Cares team.

“The only thing standing between you and your dreams is… reluctance.” – Carroll Bryant

Alyssa brings her dependable, motivated, and helpful work ethic and 15 years of experience in the industry to her role as Underwriter. Alyssa plays an integral role in the loan process and enjoys doing so, comparing her role of underwriter to putting together pieces of a puzzle for clients. She also brings her experience as a Navy brat and Air Force spouse to her work here at Morgan Financial’s veteran-focused approach.

Alyssa’s philosophy on life is to do the best you can with what you are given, and hopes to one day retire and travel the world with her spouse. She values family, friends, and travel.

“A person is limited only by the thoughts that he chooses.” – James Allen

As a business analyst here at Morgan Financial, Nathan spends his day working closely with stakeholders to identify goals, develop best practices for data collection, and analyze current processes to determine what can be improved to achieve their desired outcome. Nathan brings his confident, committed, and caring approach as well as a bachelor’s degree in Banking and Financial Management to his role.

Nathan enjoys volunteering at Endeavour Elementary packaging and delivering bags of food and hygiene products to families in need! He also enjoys golfing anytime he can, and watching sports when he can’t.

“How old would you be if you didn’t know how old you are?” – Satchel Paige

Robert has been processing mortgage loans for over 4 years and is one of our Junior Underwriters here at Morgan Financial. He brings his bachelor’s degree in Finance and his dedicated, focused, and loyal work ethic to his role processing documents, processing third-party order outs, and engaging with borrowers.

In his free time, Robert enjoys watching YouTube and going to Disney. Robert lives by his life philosophy – don’t sweat the small stuff.

“Luck is a matter of preparation meeting opportunity.” – Oprah Winfrey

Jennifer is our Bookkeeper/Accounting Assistant here at Morgan Financial. Day to day, she maintains accurate accounting records for the company, processes payroll, and assists our Controller. Jennifer brings 25 years of Bookkeeping and Office Management experience to her role, as well as her upbeat, open-minded, and independent work ethic. She’s works with our MF Cares team, and most enjoys Morgan Financial’s culture of honesty and integrity, as well as opportunities to learn and improve.

In her spare time, Jennifer likes to spend time exploring the Sunshine State with her husband. Her hobbies include Ornamental Horticulture, birding, and recreational boating, and has lived on her boat for months at a time exploring.

"Stay Hard" - David Goggins

As one of our Closers here at Morgan Financial, Nick spends his days analyzing and assessing mortgage applications, verifying borrower information - ensuring compliance with mortgage lending guidelines, and ultimately closing mortgage loans! With a Bachelor's in Materials Engineering, Nick hopes to one day follow in his father's footsteps and obtain his pilot's license.

When he's not closing loans, you can find Nick watching or playing sports! Nick lives by his philosophy, to push yourself and strive for the greatest degree of mastery in everything you commit to, and has even hiked to Everest Base Camp in Nepal.

“There is more treasure in book than in all the pirate’s loot on Treasure Island.” – Walt Disney

As one of our Junior Underwriters, Jessica spends her days gathering any important data and documents from borrowers and third parties to compose a complete picture of the loan, and most enjoys putting the pieces of the puzzle together for our Underwriters. Jessica brings her analytical, quirky, and generous personality to her work as well as 4 years of experience in the banking industry.

When she’s not at work, Jessica enjoys sewing costumes, reading, gardening, and running. Jessica values giving back to the community, and sponsors a little girl in Africa through World Vision as well as participating in various charity runs.