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Preferred Lender List | Mark Afman |  | Mark Afman Universal Lending 6775 E. Evans Ave. Denver, CO 80224 Phone: 303-759-7392 mafman@ulc.com |
| Mark Afman is a senior mortgage consultant with Universal Lending Corp. His reputation for honesty and integrity in the residential mortgage industry stands on its own. The Denver Board of Realtors (DBR) awarded him its Affiliate Of the Year Award for 2006 and he was proud to serve as President of the DBR Affiliate Council in 2006. Universal Lending features a variety of lending programs for first-time buyers, seasoned buyers, and everyone in between. Those with financial challenges are welcome, too. Universal Lending will do what it takes to earn your business. 
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| Lillian Wood | During Lillian’s five years working as a Wells Fargo Home Mortgage Consultant, she has focused on finding the best product for the customer. First concentrating on clients building new homes, she has broadened her knowledge base to include programs for first time buyers and move-up buyers. Working at Wells Fargo means Lillian can offer a broad scope of programs to fit even the most discriminating criteria. She does what it takes to find the right mortgage or home equity line of credit because it matters. Let Lillian Wood and Wells Fargo help you get the job done.

|  | Lillian Wood Wells Fargo Home Mortgage 1740 Broadway Denver, CO 80112 Phone: 303-863-6780 Lillian.Wood@wellsfargo.com |
| Teri Knight |  | Teri Knight functions as both a mortgage banker and a mortgage broker giving her clients the best of all possible options.
Teri's credentials include the following: -23 years of experience in the mortgage business. -Extensive knowledge of FHA and Conventional Financing. -Participation in First-Time Homebuyer seminars with Community Assistance Partners.
Teri makes it a priority to educate her clients to help them make informed decisions. Listening, asking questions, reviewing short and long-term financial goals determine the best home loan for her clients. | Teri Knight First National Bank 1777 S. Harrison Street Denver, CO 80210 Phone: 303-332-9603 Email: tknight@1stNationalBankMortgage.com 
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| Laine O'Kelly | With more than 25 years of experience in the mortgage and banking industry, Denver-based Mortgage Advisor Laine O'Kelly is ready to help you finance your next home. He started out his career as a part-time bank teller and has since done it all from managing a branch to originating all types of mortgage loans. Laine specializes in the Cherry Creek and Greenwood Village home markets. "I leverage my financial experience to ensure that my clients receive personalized service, resulting in low-stress and a memorable mortgage process," says Laine. His education includes degrees from both the University of Alaska in Anchorage and Aurora Community College. 
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