Rooftop of a house

MORTGAGES

Long-term relationships are key to HomeTrust Bank mortgage lenders

Buying or refinancing a home can be complex and time consuming. That’s why it’s important to have someone who understands the process, especially when you develop a one-on-one, personal relationship with that person. There’s a level of trust and comfort that makes the whole process easier.

HomeTrust Bank mortgage lenders are passionate about relationships—it’s one of our most important core values. Our mortgage experts work and live in your communities. They know the market, the people, and the best mortgage options depending on your financial situation.

Start a relationship today

Your personal relationship begins the first time you meet with one of our experts. That person becomes your go-to person; he or she is the one that guides you to gather the information you need, answers your questions, and keeps you up to date on the process.

Working with a single financial mortgage expert throughout the loan process is rare in today’s financial market. We cherish our long-term relationships and work hard to nurture them. We’re proud that many of our customers have secured multiple loans from the same HomeTrust Bank lender.

Our mortgage lenders and other employees are deeply involved in and committed to their communities—many of them were born and raised in the towns where they now work. They participate in civic organizations such as Kiwanis and Rotary Clubs, and Chambers of Commerce. Many volunteer with nonprofit groups, especially those nonprofits that help people with their financial circumstances. Most have decades of experience helping people buy or refinance homes.

Find a HomeTrust Bank mortgage expert in your area now!

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Christine A Dozier

Christine A Dozier

Mortgage Team Lead
REGION: Buncombe County, North Carolina

A native of Western North Carolina with more than 29 years of banking experience. Have a passion for helping first-time homebuyers obtain home ownership.

CLIENT FOCUS:

Residential Lending including Conventional, Construction, Purchase, USDA and First-time Homebuyer Programs primarily in Western North Carolina.

EXPERIENCE:

26 years experience as a Residential Loan Officer and Lending Manager.

EDUCATION:

Bachelor of Arts in Theoretical Mathematics with Distinction in Honors from the University of North Carolina at Asheville; Graduate of Leadership of Asheville at University of North Carolina.

AFFILIATIONS:
  • Board Member of Buncombe Baptist Association
  • Member of West Asheville Baptist Church
  • OnTrack Financial Education & Counseling
  • Homeward Bound of WNC
  • Mortgage Bankers Association of WNC, past Board Member
  • Asheville Board of Realtors Allied Member
  • Mountain Housing Opportunites
  • YWCA, past Treasurer/Board
  • Asheville Home Builders Association
  • Leadership Giving Group with United Way
  • Habitat for Humanity: Women’s Build Project
  • MANNA Food Bank
  • MS Society
  • Elida
  • Eblen Charities.
Randy Davis

Randy Davis

Mortgage Loan Officer
REGION: Buncombe County, North Carolina

I enjoy helping young customers purchase or build homes to get started on their futures.

CLIENT FOCUS:

Purchases, refinance loans, USDA Loans, construction loans and home equity loans.

EXPERIENCE:

37 Years of banking experience, 30 of those years in retail lending.

EDUCATION:

BA—Business Administration, Limestone College, Gaffney, SC

AFFILIATIONS:
  • University of NC Asheville Athletic Board, Secretary
  • Member, Mortgage Bankers Association of WNC
  • Member, Asheville Home Builders Association
Mary Kate Rikard

Mary Kate Rikard

Mortgage Team Lead
REGION: Buncombe County, North Carolina

I love helping people buy houses here, where I grew up. Being a homeowner gives people such stability and gives families something to call their own. To get to be a part of that is pretty amazing and a very special honor, especially since this is home to me. I love helping people enjoy this beautiful place and seeing my customers outside of work, knowing them on a personal level.  

I am able to do any residential loan—construction, purchase, refinance. (I will admit that there is a special place in my heart for first time homebuyers.)  

I have been with HomeTrust Bank since 2001 after graduating from UNC Asheville. I am also a graduate of North Carolina Bankers Association’s School of Banking at Chapel Hill and have been recognized as a TWIN (Tribute to Women of Influence). I volunteer and partner with OnTrack Credit Counseling and MHO (Mountain Housing Opportunities).

CLIENT FOCUS:

Residential Mortgages- purchase, refinance, construction, and home equity loans

EXPERIENCE:

15 years in Banking and Residential Lending

EDUCATION:

Bachelor of Science in Business Administration from UNC Asheville, NCBA Graduate School of Banking, UNC Chapel Hill

AFFILIATIONS:
  • On Track Credit Counseling
  • Mountain Housing Opportunities
  • Immaculate Conception Catholic Youth Educator
  • Mortgage Bankers Association
Lisa Hart

Lisa Hart

Mortgage Loan Officer
REGION: Buncombe, Henderson, and Rockingham County, North Carolina

I enjoy helping clients accomplish the dream of homeownership and using their home as a portion of their overall financial portfolio.

CLIENT FOCUS:

I am relationship driven and use a consultative approach to help determine the appropriate mortgage structure. I delight in working with first-time homebuyers, as well as, experienced buyers looking to finance their home to enjoy during retirement. Especially versed in Conventional, Construction-To-Permanent, FHA, USDA, and VA financing, I would love to help you plan for your next lending need.

EXPERIENCE:

I have been in the mortgage industry since 2004, having come from a background in financial and estate planning.

AFFILIATIONS:
  • Board of Directors – Mortgage Bankers Association of Western North Carolina
  • Asheville Board of Realtors
  • Asheville Home Builders Association
  • Henderson-Transylvania Home Builders Associations
  • MS Society
  • American Cancer Society
  • March of Dimes
  • Eblen Charities
Katie Lusk

Katie Lusk

Mortgage Loan Officer
REGION: Buncombe County, North Carolina

I love that we are a community bank invested in making Western North Carolina successful and getting to know my customers on a personal level is the best part about what I do.

I was born and raised in Weaverville, NC and could not imagine ever moving away from the beautiful mountains. I started my career with HomeTrust Bank shortly after graduating from Mars Hill University in 2002.

I truly enjoy helping people in the home loan process. Whether it’s a purchase of a first home, upgrading to a newer/bigger home or building the dream home, I love being a part of the loan process with my customers and the opportunity to build relationships with them.

CLIENT FOCUS:

Purchase, Refinance, Construction Finance and Home Equity Lines for residential property. We also have a strong commitment to First Time Homebuyers and making homeownership affordable.

EXPERIENCE:

14 years of banking experience in residential lending.

EDUCATION:

Bachelor of Science in Business Administration from Mars Hill University

AFFILIATIONS:
  • Mortgage Bankers Association
Jill Queen

Jill Queen

Mortgage Loan Officer
REGION: Buncombe County, North Carolina

I specialize in Residential Mortgage Lending by helping families become homeowners and achieve their financial goals.

CLIENT FOCUS:

Conventional, FHA, VA, USDA, First Time Home Buyer Programs, Construction-Permanent & Home Equity Loans.

EXPERIENCE:

8 years of banking experience including Loan Origination, Construction & Processing.

EDUCATION:

Bachelor of Science in Business Management from the University of North Carolina at Asheville

AFFILIATIONS:
  • BNI Member & Vice President
  • OnTrack Financial Education & Counseling – Board Member
  • Mortgage Bankers Association of WNC
  • Asheville Board of Realtors Allied Member
  • Young Professionals of Asheville
Franci Gasperson

Franci Gasperson

Mortgage Team Lead
REGION: Buncombe and Henderson County, North Carolina

I believe in building long and lasting relationships with clients where trust and respect are the foundation. I have a passion for helping clients achieve their home ownership dreams.

CLIENT FOCUS:

Helping clients with new home purchases, building their dream home, or refinancing their existing home loan to better meet their financial needs.

EXPERIENCE:

25 years of banking experience with a focus in mortgage lending for the last 23 years.

AFFILIATIONS:
  • Asheville and Hendersonville-Transylvania Board of Realtors
  • Asheville and Hendersonville Home Builders Associations
  • Past Board of Director and current member of Mortgage Bankers of WNC
  • Leadership Giving Group with United Way
  • Eblen Charities
  • Eliada
  • Habitat for Humanity
  • Manna Food Bank
  • Mountain Housing Opportunities
  • MS Society
  • On Track Financial Services
  • United Way