Meet Our Platinum Results Coaches

Working with an experienced business coach is the most powerful tool in achieving your defining difference in business and life.  The most successful companies and entrepreneurs in the world count on business coaching to elevate their game, break free from what’s holding them back and accelerate their results.  Partnering with a Cindy Ertman Platinum Results Coach, you’ll get private coaching and expert guidance to keep you on track. During these calls, you’ll set clear goals and map action plans to achieve them, break through limiting beliefs that are holding you back and identify opportunities and strategies for reaching your next level of success in business and life. Our Coaches can truly help you achieve your goals and address your unique challenges and needs.



Success Strategist, Coach, Speaker, Best-Selling Author

Cindy Ertman is the CEO & Founder of The Defining Difference® and Mortgage Master Pro®Her success-based coaching and training companies are devoted to helping people master the power of intentional choice to create a defining difference in their own lives.


After being acknowledged as one of the Top 100 Most Influential Mortgage Executives in America by Mortgage Executive Magazine for 5 years in a row and being named in the Top 100 Mortgage Loan Originators in the U.S. by Mortgage Originator Magazine for more than a decade, Cindy has now dedicated her life to empowering the growth of others.


She has developed a track record of helping high achievers shift the way they see the world and expand their vision of possibility by teaching them her total success approach to business and life.


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Branch Manager

When not transcending the ordinary, Stacia loves to spend time with her family. Her two young boys, husband, and Bernedoodle are all incentives for her to stay healthy. If she's not practicing yoga, meditating, or running, you might find her on her Peloton!


Stacia's familial roots lie deep within property management. It's given her a prosperity lens for the value of owning dirt and building wealth through real estate. It also fuels her passion for helping people realize the joy of homeownership.  As a top 1% loan originator in the United States, Stacia enjoys making mortgage financing simple for her clients.


Stacia enjoys helping other originators develop their delightful experiences in work and life. She teaches them how to uncover their why, lead with foresight, and transcend their current state.


In the past, Stacia was at the helm of one of the largest joint ventures for a mortgage builder in the state of Washington. She also helped launch several technology start-ups. This unique background has allowed Stacia to craft a framework built around foresight.


Stacia's goal in business is to partner with and build a team of remarkable humans who want to stop living in chaos and embrace delight.

Dan White


Sales Manager

Owning a home is one of the most important things you can do for your family, your finances, and your lifestyle. I grew up in Dayton, OH as the youngest of 7 and raised by two Teachers. We had a family home that my Mom and Dad owned for nearly 50 years. It was a hub for the family and a great source of pride for my parents. I entered the mortgage business in 1995 and moved to Phoenix in 1998. For 25 years I have truly enjoyed helping people with their home purchase or refinance. I have a number of hobbies, including the Arizona Cardinals, Barbecuing, and exercise. My biggest joy, however, is having family and friends over to the house for a get-together. Since entering the mortgage business, I have never forgotten how important this process is for our clients because it has proved to be so important in my own life. We always will remember the feeling of getting the keys for the first time to a new home. I am married to my wife Robin, we have 5 children (a new Grandchild), and have helped 3 of them buy their first home. It’s both exciting and can be a little nerve-racking at the same time. But that is why we are here. To take away some of the stress and make the process smoother. We would love to help you or anyone you know to purchase a home or refinance their existing mortgage.

Kym Mason


Area Manager

Guided by a heart for service, Kym Mason has been serving as a leader in the mortgage industry for 23 years.  Her primary home and marketplace is in Western Washington, where she enjoys kayaking from her beach and bicycling along the shoreline.  Kym became a loan officer in 1999 and hired her first team member in 2000.  In 2003 she established Mason Mortgage and has been leading and growing branches ever since.  Kym is now an Area Manager for Cornerstone Home Lending and is actively producing while expanding her territory and helping other leaders to grow their teams.  In 2018 and 2020 she was the #1 originator for volume in her county.  Kym’s true passion is helping others to discover their purpose and to create a work-life that supports that purpose.  As a mom and grandmother, daughter and granddaughter, Kym is devoted to putting her family first.  She has successfully built a world-class business while always putting her family first and never missing a family dinner, her children’s events, or Fridays with her granddaughter.  Kym finds great joy in helping others to create a vision for their legacy and then live it out.



Managing Partner, California & Nevada Business

Mike Hardy is an Ironman, student pilot, investor, speaker, and business coach for Mortgage and Real Estate Professionals. He has spoken at national conferences including Todd Duncan’s High Trust Sales Mastery with an audience of 30k people. He has been quoted on Fox Business News and interviewed by USA Today and for his unique perspective comparing the similarities and differences of 2007 vs 2022 and for his expertise on housing trends and the mortgage markets.


Personally, Mike is husband of 25 years to his wife Beverly, and father of four kids (20, 18, 16, 13)


Professionally, Mike is Managing Partner of California & Nevada Business for Churchill Mortgage, leads a Top 1% nationwide 100M origination team and oversees 30 employees managing 500MM and helping 1200 families annually with a purchase or refinance loan.


His professional background of 25 years includes training and experience as Financial Advisor, Real Estate Investment Fund Management & Top Mortgage Professional. He is the Principal and Co-Founder of the Cyrus Opportunity Zone Real Estate Fund launched in 2019 and developing 100 cash flow units. He currently has 10 fix and flip projects in motion and has been involved in 120+ Real Estate investment projects throughout his career.



Branch Manager

Andy Zemon has helped more than 3000 families achieve their dream over his 20+ year career. He has funded just shy of $1,000,000,000 in loans over his career and certainly knows his way around the guidelines and is more than happy to just answer questions if that's what you're looking for.


Andy's passion is providing mortgage-based financial plans and is the preferred lender for some of the area's top builders and Realtors. Andy is also one of the nation's most recognized mortgage planners through his acceptance in the industries leading mentor group, The CORE Training. As a Level 3 15+ year Graduate of this program and an ongoing student, he has amassed one of the finest higher "Mortgage Education" resumes.


Before moving back to his hometown of Charlottesville, Andy worked in business development in the Washington, DC area. He received his degree in Consumer Affairs at The Ohio State University. He is a past player of the Virginia Men's Rugby Club and volunteers with the Seminole Trail Volunteer Fire Department as both a driver and firefighter.


Andy is married to his beautiful wife, Chanda, an orthodontist in the area and together they have three beautiful girls named Stella and Libby and Hattie and a handsome young son named Henry. Of course, we'd be remiss not to mention the beautiful Darla... Andy's Newfoundland comes to work with him daily. In fact, she's typically the welcome party when you walk in the front door. Don't worry, she's too lazy to get up but she will certainly wag her tail!

Michael Harrington


VP, Branch Manager

Michael Harrington has been “Putting your Family First in Finance” for 26 years as a loan officer and branch manager with some of the top mortgage entities in America.  He’s a father of four children ranging in age from 11-19, and been married to his lovely wife for the past 21 years.  He started in the industry at age 19 working for one of the top female FHA producers in the nation which gave him a great start in the business with builder knowledge and down payment assistance capability.  Michael has received the top 1% originator designation for 15 years with Scottsman and MOM Magazine, along with sharing the stage with the likes of Todd Duncan, Dave Savage, and Cindy Ertman.  He has been featured on Mortgage Coach videos, Todd TV, and is a thankful member of the WinByNoon dayplanner community, enjoying the kinship created by Todd Bookspan.  Michael Harrington has an expertise in coaching up loan originators for a healthy grasp of database management as well as forward-thinking in marketing to the target audience you are looking to take hold of.  He’s passionate about homeownership, being one of the youngest people to own a home personally at age 19 himself.  He’s an avid pilot and drummer and member of his church body, and hopes to travel more in the future.



National Mortgage Expert & President/CEO

Darren "DC" Copeland is a National Mortgage Expert & President/CEO of Summit Lending.  Darren and his team have helped families across Missouri, Kansas, Arizona, & Florida with their mortgage needs for 20 years.


DC has the "heart of a teacher" when it comes to serving and educating families on the Home-Buying process and assisting Realtor referral partners drive more business through several entrepreneurial avenues. Darren has been in the Top 1% of all Originators for the past 10 years, however, it's all about his team's clients & referral partners, and what's important to them. Helping families with their mortgage needs and creating a phenomenal client experience is at the forefront of Summit Lending's core values.




Confidence, trust, and determination are Sue's top key qualities for success. They built her career and now fuel her passion for helping others to build wealth through real estate both personally and professionally. Sue is well-known for thinking creatively in sales, operations, and marketing. As President of Centennial Lending Group, she cultivates a collaborative environment encouraging each team member to freely share tips and past experiences to help one another succeed in business. With her leadership, her team truly embodies the term “Stronger Together.”


Sue has achieved many awards for being a trailblazer in the mortgage industry. Her grit and passion shine through in her best-selling books Crazy Lucky Girl: Do YOU Have the Keys To Success? and Women Who Dream. Sue is proud to have helped hundreds achieve their goals in and outside of the mortgage industry.

Tom Couture

Tom Couture

Mortgage Specialist

Tom Couture is a seasoned Loan Officer with Texas Tech Credit Union, an innovative financial institution that is committed to the vision of "Meeting Needs and Creating Value" for its members and community. Tom’s goal is to provide financial services that benefit his clients’ unique circumstances and to offer financially superior products along with an exceptional client experience. Tom leads his rockstar team with the heart-centered vision and intention to serve his clients at the highest level, while adhering to his values of Trust, Respect, Excellence, Kindness, and Stewardship. Tom believes the combination of innovative products & services and his commitment to each and every client are key components in transforming the way people manage their money and to ultimately impact their lives in a positive way.

Michele Town – Branch Manager at United American Mortgage

Michele Town

Branch Manager

With over 30 years of experience in the mortgage industry, Michele Town is highly regarded as ‘The Girl Who Gets It Done’ by her clients and realtor partners. Her repeated success of being a Top Producer with a heavy background in processing at her previous companies is attributed to her expertise in all her transactions. Michele has proven success in the creativity required to navigating her clients through the challenges of the complex market conditions and vigorous restrictions of the industry. She has an unrelenting commitment to excellence through professionalism, integrity and heart. Michele is an excellent listener and communicator and provides an extraordinary experience before, during and after the home buying/refinance journey. Michele funded $200M in 2021 serving over 250 clients and funded 103M in 2022 serving over 120 clients.


Leslie Bergen

Branch Manager

With over 30 years of experience as a mortgage originator and leader, I've had the privilege of helping clients across 17 states achieve their homeownership dreams. Based in Texas, I am deeply committed to serving military families, ensuring they have a smooth transition to new towns and secure home ownership. I also specialize in serving local and national home builder accounts, navigating challenging loans to find solutions for home financing. Known for my generous, servant-hearted approach, I thrive on connecting people and finding ways to serve others.


I am passionate about coaching loan officers to discover their purpose in both their business and personal lives, finding harmony between home and professional responsibilities. I attribute much of my coaching philosophy to the guidance of Cindy Ertman at The Defining Difference. Outside of work, I cherish my roles as a wife, mother, and MiMi to three wonderful grandchildren. Proudly born and raised in El Paso, TX, home of Fort Bliss, I have a strong affinity for supporting our armed forces and their families.

Natalie Overturf

Natalie Overturf,

Divisional Senior Vice President, Northwest Division

Natalie Overturf lives with her husband in Coeur d'Alene, Idaho, with two incredible twin daughters who continue to inspire and amaze them. When she’s not cheering her girls on in their many activities, you can often find Natalie at the lake or spoiling her two adorable dachshunds. Natalie enjoys going for runs, spending time with her family & friends, and supporting her local Med Spa, Beauty at the Lake, of which she is co-founder and owner.


Natalie recently celebrated over 30 years in the mortgage industry. She is truly grateful for having found this industry and believes she is absolutely working her dream job. Natalie currently serves as Divisional Senior Vice President of the Northwest Division at Homebridge Financial Services. SheI has also enjoyed years as a top originator and in Branch and Regional manager positions.


Natalie’s Defining Values:

  • Integrity in all areas of life, especially as a leader
  • Optimism and the spirit of abundance
  • Mistakes as our greatest teachers
  • Partnership, collaboration, and teamwork
  • Self-care and having a good sense of humor!
Kim Hendry

Kim Hendry,

Divisional Sales Manager

With over 20 years in the mortgage industry, Kim is fueled by an unwavering love for people. As a seasoned Senior Mortgage Loan Officer, accomplished Branch Manager, and dynamic Divisional Sales Manager, Kim's journey is guided by a profound belief in the transformative power of love and a positive mindset.


At the heart of Kim's business philosophy is the simple but powerful idea of giving love to her clients and team. Kim treats every client like family, with a warmth and care that goes beyond the professional realm. Trust, integrity, and genuine care are the cornerstones of those relationships. Kim's relentless dedication to her clients' well-being extends beyond the transaction; it's about creating a lasting impact that resonates for years to come.


In Kim's world, love is also the cornerstone of her team-building prowess. She believes in creating an atmosphere of camaraderie and support, where team members feel valued, inspired, and truly seen. Kim's secret sauce lies in her ability to transform a bunch of individuals into a dream team that's firing on all cylinders. With a focus on personal as well as professional development, Kim identifies each team member's unique strengths, harmonizing them toward a shared vision.


Kim’s greatest joy is her family. She is married to her college sweetheart, Chris, and together they have raised three amazing kids, Thomas, Isabelle and Jack.


Brian Sewell

Brian Sewell works for Cherry Creek Mortgage A Division of Guild, as a Producing Branch Manager. He has twenty plus years of experience in the field of banking and mortgage brokering, more specifically mortgage origination, new construction loans, specializing in purchase and first-time buyer loans. A native of Chicago, Brian earned his BA in Management and Marketing from Saint Xavier University in Chicago, Illinois.  Mr. Sewell enjoys assisting borrowers realize their dream of home ownership, inherent in all new business development projects and has been praised by both co-workers and clients alike for his attentiveness, honesty, integrity and in-depth analyses.  From 2006 to 2008 Brian was President of Morale Home Mortgage a small mortgage brokerage.


Dedication, problem solving, commitment, creativity, passion, and eagerness to learn are Brian’s clear strengths which have gained him a solid reputation in the banking world, amongst customers and colleagues alike. Brian was selected by Five Star Professional for the 12th year in a row (2011-2023), whom performed and independent study of real estate transactions in the last twelve months and Brian was vote in the top 1% for overall customer satisfaction from start to finish by his customers and other real estate professionals.  His name was included in the October’s 2011-2022 edition of the Chicago Magazine. Brian lives in Illinois with his wife and partner Erika and their three children David, Isaiah and Roman and golden doodle Noah.  When Brian is not working, he likes to play basketball, enjoys golfing, and hanging with his family.


Laura Triplett

Senior Vice President

Laura has accumulated over 30 years of experience in the mortgage industry, excelling as a top-performing loan officer and working with a diverse clientele. This extensive background has granted her a profound understanding of her client’s unique needs.


As both a prominent figure in her field and within her company, Laura has provided valuable guidance across various aspects of the mortgage sector. Notably, she recently contributed her expertise as a board member for a local real estate association.


Laura’s true passion lies in training and development, an area where she boasts numerous years of experience. Her role as a branch leader has afforded her the opportunity to mentor and coach her team effectively, resulting in her branch’s growth from a single-person operation to a team of more than 15 highly successful loan originators.


Laura has earned recognition at the state, national and international levels for her contributions in helping individuals achieve homeownership. She has also served as an advisor to her local county finance office, assisting in the development of county budgets, state housing association initiatives in Virginia, and regional efforts in Northern Virginia related to requests for proposals for down payment assistance programs.


In her spare time, Laura enjoys outdoor hikes and spending time with her two grandsons. Laura resides in Northern Virginia with her husband, Jeff, alongside their two canine companions, Liah and Callie.

Get Cindy’s "2024 Success Checklist for Mortgage Loan Originators" and start building the successful business you deserve and desire!

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