Kely was born and raised in Greenwood, Indiana. After graduating from Center Grove High School, she headed north to Ball State University to pursue a degree in Finance. After graduation, she met her husband Greg, they have one daughter and reside in McCordsville. Outside of work you can find her spending time with friends and family boating, traveling and playing tennis.  Kely has been in the mortgage industry for 25 years. She has worked for some of the best mortgage companies in the Midwest. She has a loyal client base and longtime referral partners. Her best qualities are asking a lot of questions and finding appropriate solutions to unique situations. She is very accessible and proactive.  Whether you are a first-time homebuyer or a seasoned homeowner, she will guide you with patience and confidence through the mortgage process. Make buying a home less stressful by contacting Kely for a consultation today.

VP of Mortgage Lending

Kely Reasner is your Carmel local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kely is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kely at (317) 590-5057 for more information!

Kely Reasner at Rate (NMLS #133803)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Producing Regional Manager

Joe Fazzini is your Carmel local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Joe is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Joe at (773) 516-6688 for more information!

Joe Fazzini at Rate (NMLS #1676414)

Onboarding - Originations Manager

Nathan Jack is your Carmel local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Nathan is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Nathan at (317) 353-3833 for more information!

Nathan Jack at Rate (NMLS #1211521)

Nav Nagra is your Carmel local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Nav is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Nav at (317) 245-4500 for more information!

Nav Nagra at Rate (NMLS #177153)

Sukhjinder Singh is your Carmel local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sukhjinder is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Sukhjinder at (317) 245-4495 for more information!

Sukhjinder Singh at Rate (NMLS #2488972)

Branch Manager, VP

Chris Pisano is your Carmel local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Chris is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Chris at (317) 245-4497 for more information!

Chris Pisano at Rate (NMLS #1493954)

AVP of Mortgage Lending

Olivia Garcia is your Carmel local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Olivia is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Olivia at (317) 436-1874 for more information!

Olivia Garcia at Rate (NMLS #1477981)

I am a local mortgage loan officer with Rate working out of our office in Carmel, Indiana.


I joined the mortgage industry after watching my dad have his own construction company for over 30 years building custom homes, remodeling, and additions in the Chicago area. I fell in love with the process of home building and helping others move into their dream home from watching him.


I bought my first house when I was 22 years old in Michigan. I refinanced my home in 2020 and then sold it in 2021 when I moved to Indiana. I have personally been through the experience of buying, refinancing, and selling as a first-time homeowner and went through the home buying process for the second time when I moved to Indiana. I want to help others with the home buying and refinancing process and make it a smooth, simple, and even fun experience! It should be exciting and rewarding because homeownership is!


My strong communication and organizational skills allow me to stay on top of the entire loan process and keep all parties informed. My many years in sales and customer service enable me to listen actively and genuinely care about my clients and their needs.


My goal is to empower and educate my clients to help them build wealth through homeownership.


I'd love to help you or anyone you know with any home purchasing or refinancing needs. I'm licensed in Indiana, Illinois, and Michigan. Let's work together!

Madeline Cole is your Carmel local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Madeline is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Madeline at (317) 436-1875 for more information!

Madeline Cole at Rate (NMLS #2171191)

Will, a Richmond, IN native, has called the Indianapolis area home since 2009. With over 14 years of experience in the lending and finance industry, holding positions from Personal Banker, Banking Center Manager and Loan Officer. Will is passionate about fostering lasting relationships with clients and partners. His expertise lies in simplifying the mortgage process and crafting personalized, wealth-building strategies to help clients achieve their financial goals.  
Recognizing that purchasing a home is one of life's most significant financial decisions, Will takes the time to guide clients through a variety of tailored options, empowering them to choose strategies that align with both their short- and long-term objectives.  
In his free time, Will enjoys playing golf and tennis, as well as spending quality moments with family and friends.

Will Davis is your Carmel local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Will is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Will at  for more information!

Will Davis at Rate (NMLS #636050)

Sheryl Owens grew up in Indianapolis, IN and has been married to her husband, Jeff, for 36 years. They have 3 adult children, Jake, Zack, and Kali and have been blessed with one 12 year old granddaughter, and 4 grandsons all under the age of 4!


After staying home with her kids for 15 years, she went to work full time at her brother's realtor office in Beech Grove, IN. She decided to open a mortgage company in 2000 to be a one stop shop. After dissolving the company in 2009 she went on to work for a corresponding lender and then on to the bank side for 3 years before coming HOME to work at Rate in January 2025.


She is a believer in making relationships with her referral partners and borrowers alike and loves first time homebuyers as well as folks ready to find their forever home. She also believes in making sure her clients understand all aspects of the transactions they are taking part of and is sometimes referred to as the Mortgage Mom.

Sheryl Owens is your Carmel local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sheryl is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Sheryl at (317) 324-4247 for more information!

Sheryl Owens at Rate (NMLS #205488)

I started my career as a loan officer in 2003 at a local bank in Greenwood and haven't looked back. I have held the roles of Mortgage Advisor, Production Manager & Branch Manager over the years. I have originated many different loan programs while providing exceptional communication, problem resolution, and tailored client needs assessment. Providing direction & solutions to Loan Originators while identifying opportunities for their clients is one of my passions. I truly enjoy helping people grow their careers as much as I enjoy helping my clients get into the home of their dreams.


I have been an Indiana Native my whole life with most of that residing in Johnson County. My husband and I enjoy spending time with our family & friends whenever possible. We are huge "dog lovers" so most of the time you will see four-legged friends accompanying us. I love most outdoor activities, traveling, experiencing new food venues, spending time with family & friends and volunteering at local events.

Producing Partnership Branch Manager

Joanna Sharp is your Carmel local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Joanna is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Joanna at (317) 436-1882 for more information!

Joanna Sharp at Rate (NMLS #132031)

I'm a local mortgage loan officer working out of our Carmel, Indiana office. Growing up in Indiana, I developed a passion for helping people and naturally found my way into sales, where building relationships and solving problems became my focus. Over the years, I've learned that buying a home isn't just a transaction—it's one of the biggest and most exciting milestones in a person's life, and I love being part of that journey.


I understand how overwhelming the mortgage process can feel, especially for first-time buyers or those refinancing, and that's exactly why I'm here—to make the process smooth, simple, and even enjoyable. My background in sales has sharpened my ability to truly listen to my clients, understand their needs, and communicate clearly every step of the way. I'm committed to making sure my clients feel confident and empowered throughout the entire process.


Whether you're buying your first home, refinancing, or investing in property, I'm here to guide you through it. My goal is to help people not just buy homes but also build long-term wealth through homeownership. If you or anyone you know is thinking about buying or refinancing, I'd love the opportunity to help. Let's make your next move happen—together!


*Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.*

Brian Zenil is your Carmel local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Brian is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Brian at (317) 436-1883 for more information!

Brian Zenil at Rate (NMLS #2512821)

Carmel

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12 Loan Officers in Carmel, IN