Providing You Superior Benefits Fueled By an Ethos of Care
Dogged, Yet Approachable - Focussed, Yet Responsive - Experienced, Yet Innovative
Meet your Executive Team
Carla Durheim - Founder/Broker/CEO
Maddog Mike - Founder/Broker/CMO
Kelli Ross - Director of Production
What with Carla’s nearly four decades in the mortgage lending industry, she is not just a provider of financial solutions – she is a partner dedicated to advocating for each client’s best interests.
Carla’s career journey, spanning from Credit Union beginnings to Bank Manager and leading teams in non-QM lending, has always centered aroun
What with Carla’s nearly four decades in the mortgage lending industry, she is not just a provider of financial solutions – she is a partner dedicated to advocating for each client’s best interests.
Carla’s career journey, spanning from Credit Union beginnings to Bank Manager and leading teams in non-QM lending, has always centered around finding personalized solutions that truly benefit you…her client. During her time as a VP of Business Development, Carla led initiatives to connect banks and credit unions with strategies that empower them to better serve their communities, especially through innovative Affinity programs.
Carla’s experience has taught her that you don’t need a salesperson—you need someone who will stand by your side, understand your goals, and guide you to the best solutions possible. That’s why she opened her own mortgage brokerage with her business partner, Maddog Mike Hobbs. Carla is committed to delivering lending services and benefits with a focus on client partnership and satisfaction.
Outside of Carla’s professional life, she is passionate about spending time with her family, friends, her pets, as well as exploring the world through cooking, travel, and new adventures. Whether it’s discovering fresh flavors or seeking out unique destinations, Carla believes in the value of curiosity and connection—qualities I bring to my work every day.
Kelli Ross - Director of Production
Maddog Mike - Founder/Broker/CMO
Kelli Ross - Director of Production
To sum it up…Kelli Ross has a burning desire to help people. She is a passionate and consummate Mortgage Broker and prides herself on delivering outstanding customer service with an innate ability to make you aware she has your best interests at heart.
Kelli has acquired her skill set and wealth of knowledge over three decades of mortga
To sum it up…Kelli Ross has a burning desire to help people. She is a passionate and consummate Mortgage Broker and prides herself on delivering outstanding customer service with an innate ability to make you aware she has your best interests at heart.
Kelli has acquired her skill set and wealth of knowledge over three decades of mortgage originations, mortgage processing, banking, escrow, title, and construction lending. These diverse roles and experience have equipped Kelli with a comprehensive understanding of the mortgage process from every angle. Kelli believes communication and transparency are key to your successful lending experience and takes the time to explain each step of the process, ensuring you remain confident and informed. Kelli let’s you know that she is always available to answer your questions, address your concerns, and provide guidance tailored to your specific situations.
Kelli’s dedication to professional growth and client service is reflected in her production and customer service awards received throughout her career. She continually seeks to enhance her skills and stay updated with the latest industry trends, enabling Kelli to offer the best advice and solutions for you.
Outside of work, Kelli enjoys spending time with my husband of 39 years who is her best friend. She loves to cook, catch a good movie, and go see as many of my favorite country music concerts that I can.
Kelli says, “I am most excited about working with Chem Financial because we are like family. We are small but mighty. Everything we do is to our clients’ and partners’ benefit.”
The Founders of Chem Financial say, “Kelli is the epitome of job insecurity…because once you speak with Kelli, you’ll forget about us.”
Maddog Mike - Founder/Broker/CMO
Maddog Mike - Founder/Broker/CMO
Maddog Mike - Founder/Broker/CMO
Maddog Mike Hobbs is a mortgage broker, professional marketer, former radio personality, author, business owner, and business coach whose passion leads him to help entrepreneurs, business owners, and realtors grow revenue while acquiring, engaging, collaborating and retaining customers.
Mike acquired his marketing education at CSUDH in 1
Maddog Mike Hobbs is a mortgage broker, professional marketer, former radio personality, author, business owner, and business coach whose passion leads him to help entrepreneurs, business owners, and realtors grow revenue while acquiring, engaging, collaborating and retaining customers.
Mike acquired his marketing education at CSUDH in 1984 and then furthered his learning experience by graduating Magna Cum Laude in e-Marketing from Ashford University, Forbes School of Business in 2017. Mike recently authored the eBook, Grow Your Business – “5 Things Every Realtor Needs to Stand Out and Be Memorable.”
Mike has always had a passion for marketing and a desire to identify with realtors and their clients. This passion drives him to provide specific, measured, and achievable solutions. Mike places great importance on the needs of the realtor and their clients. He realized, meeting his realtors’ needs required him to focus on providing superior value by creating tools and programs that made them stand out from their competition. Mike has integrated this value proposition into his relationships with his referral partners and in turn, those homebuyers they collectively serve. Mike assists realtors in their quest to obtain distinctive competency, while providing borrower benefits all Home Loan Officers should -- but don’t.
Homebuyers - As a 40-year veteran Home Loan Officer, Mike’s Unique Value Proposition (UVP) is: “I am passionate about walking the journey to homeownership with you while eliminating the worry, inconvenience, and the unknown associated with the home loan process.” Buy, build, remodel and refinance, knowing your family’s best interests are guarded by an ethos of care manifest in a combined 112 years in legal, real estate and mortgage lending experience with his partners at Chem Financial. With over 15,000 home loans funded during his time in real estate lending, you will receive superior service and loan products from Mike.
Realtors – “I am passionate about shepherding your paycheck and cashing it on time while making your clients loyal, raving advocates, and providing marketing solutions to help you stand out, be memorable and grow your business.”
Realtors - Rebel Realtor Coaching: Mike's unique coaching program...the first of its kind, helps realtors looking for distinctive competency, who are not afraid to step out of their comfort zone, and want to do extraordinary things with their business, for their clients and for their family...reach out to Mike. Realtors, this is a boutique coaching program that changes all expectations of how real estate is done. You become unique in word, deed, identity and results.
Services and Benefits
MadDog Mike Hobbs - Why MadDog?
Launching soon: Powered by Summit Lending - 1850081
MadDog Mike Hobbs - Why MadDog?
Providing Benefits All Home Loan Officers Should -- But Don't
- From residential, investment, renovation, reverse mortgages to Realtor marketing creative & support
- Servicing assessment solutions - Ask about my servicing guarantee
- Real estate buying and selling consultation - Referral based
- Agent negotiating support and strategy construct
Loan Products & Programs
Launching soon: Powered by Summit Lending - 1850081
MadDog Mike Hobbs - Why MadDog?
I've Helped over 15000 families acquire a lawn needing to be mowed... That's a lot of home loans and families served...
If there's a way to help you finance your next home or your current one...I've done it all...
- Fixed & ARMs
- Home Equity Line of Credit Loans
- FHA Loans & VA Loans
- Reverse Mortgages Done Right
- Renovation Purchases & Refis
- Bridge
I've Helped over 15000 families acquire a lawn needing to be mowed... That's a lot of home loans and families served...
If there's a way to help you finance your next home or your current one...I've done it all...
- Fixed & ARMs
- Home Equity Line of Credit Loans
- FHA Loans & VA Loans
- Reverse Mortgages Done Right
- Renovation Purchases & Refis
- Bridge Loans
- Recasting (Lower your payment without refinancing)
- Buy-downs to save you money at year 1, 5, 15 and beyond
- Investment Financing
Launching soon: Powered by Summit Lending - 1850081
Launching soon: Powered by Summit Lending - 1850081
Launching soon: Powered by Summit Lending - 1850081
After 39 years in mortgage lending, legal and real estate, I choose to work for my own brand, Chem Financial, where good chemistry creates great relationships. Ask me about our Loan Lab™ and how we use it to manufacture a purpose designed loan for you. I provide benefits all Home Loan Officers should -- but don't. Innovative - Responsive - Approachable.