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Tucson, Arizona
5151 E. Broadway Blvd., Suite 1600
Tucson, AZ 85711


BradBradley N. Gephart moved to Tucson in 1977 from Northern Indiana and has been actively involved in the real estate and mortgage industries since that time.

Mr. Gephart founded and served as an officer of Advanced Capital Mortgage, Inc. in August of 1983. He served as an actively participating shareholder, corporate officer and loan officer during the years that followed. His experience in lendmg included all aspects of processing and originating commercial and residential mortgages.

In 1992 Mr. Gephart acquired his partner’s interest in the company and completed the study course and passed the Mortgage Brokers licensing exam to become the Responsible Individual for the company. He also obtained HUD approval for FHA lending.

Mr. Gephart became the Responsible Individual for Hestia Home Loans in November of 2011 and is currently serving in that capacity as well as serving his clientele as a senior loan officer.

Mr. Gephart earned the respect of his peers becoming the Southern Arizona Broker of the Year in 1992 and chapter President in 1994. Continuing his service with the Mortgage Broker Association, he was selected as the Arizona Mortgage Broker of the Year in 1997 and was elected as President of the Arizona Association of Mortgage Brokers in 1998.

Mr. Gephart has been involved in community service through sponsorship of school and youth sporting activities and coaching little league baseball. Most importantly, Mr. Gephart has served the public well by working diligently to provide excellent customer service under fair and reasonable terms in thousands of loan transactions throughout the years. This is evidenced by Mr. Gephart’s business primarily being generated by referrals and repeat customers and he is now serving many of the children of his previous clientele.

Joan2Joan Ruth, a native Tucsonan has over 35 years experience in real estate lending and banking background, including 15 years with CitiBank Arizona. She has served in positions of management, underwriting, training, and origination of loans. Joan is a member of the Arizona Association of Mortgage Brokers.

Her experience in underwriting as well as originating loans gives a unique perspective to help her clients further their goals in financing their homes. Extensive training of governing regulations and laws pertaining to mortgage loans assures her clients that all aspects of their financing needs are met.

Joan has offered superior service to her clients over the years and looks forward to doing so for you. She is a welcome addition to the Hestia Home Loans as a Loan Officer.

Cal M. Uhl, our Director of Processing and QC, started in the finance business in 1975 after graduation from Wichita State University with his degree in Economics and Business. He was one of the fastest promoted in the Kansas City Region and became a Branch Manager in Hutchinson, Kansas within two years with CIT Financial. He was closing many real estate loans at that time and was asked to join Colonial Savings in Great Bend, Kansas as one of their loan officers and to run their collection department. In 1990 he and his family moved to Mesa, Arizona and he started financing homes throughout the southwest. In 1992 he joined Adobe Financial Corporation, Pacific Coast Mortgage in 2001 Security Mortgage in 2008, HomeRun Financial in 2009 and now Hestia Home Loans.

After joining the Arizona Association of Mortgage Brokers he served as Vice President, President Elect and President of the East Valley Chapter, as well as serving on the State Board of the Association. In both 1997 and 1998 he was the Association’s Loan Officer of the year. In 2000 he was given the Marjorie D. Lewis Distinguished Service Award and in 2001 and 2002 he was the Convention Chair.

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CourtneyCourtney Carlson, the co-founder of our company, has over 20 years experience in lending. She is also licensed by the National Mortgage Licensing Registry and the Arizona Department of Financial Institutions as a mortgage orginator.

Our staff is always available and ready to help you with your mortgage request. Having a variety of loan programs and an established network of lenders behind us, our team will do their best to obtain a loan that best suits you with a competitive rate. Start the process today by calling us at 520-318-5605.