Our Team
I'm Kristen Bytner, based in Indiana, PA, where I live an active, fulfilling life with my husband and kids. Real estate has brought incredible opportunities into my life, and I'm excited to help make it a positive force in yours, too! I'm passionate about guiding families through the home loan experience, ensuring one of their biggest purchases goes smoothly and builds lasting connections along the way.
Personally, my family and I love growing our rental property portfolio and running our business, while making plenty of time for outdoor fun - whether it's sports, biking, or swimming with our dog. I deeply value clear communication in every part of life, and it's why I also enjoy my role as a speech in language pathologist. I look forward to being part of your mortgage journey!
Kristen Bytner
NMLS 2588639
Pam Morrow-Wolfe
NMLS 149172
With 27 years of experience in the mortgage industry, I have helped countless first-time homebuyers and families navigate the home purchasing process. Guiding clients toward homeownership is not just my profession—it’s my passion. Emphasizing the importance of pre-approval, I provide personalized support at every step to ensure a seamless experience.
Extensive industry knowledge, paired with a commitment to clear communication, allows me to keep clients informed and confident throughout their journey. Buying a home should be a positive and exciting milestone, and I am dedicated to making the process as smooth as possible.
Stephen has spent over a decade helping clients navigate the real estate market and brings with him more than 20 years of experience in customer service. Since becoming a licensed Mortgage Loan Originator in 2021, he’s combined his deep industry knowledge with a passion for guiding clients through every step of the home financing process.
Stephen’s background gives him a rare perspective—he truly understands both sides of the transaction. He’s known for his clear communication, strong follow-through, and genuine care for the people he works with. His goal is to make your transactions smoother and your clients feel fully supported, from pre-approval to the closing table.
Stephen Schoppe
NMLS 2145724
Barbara Nethen
NMLS 304965
Barbara Nethen brings over 17 years experience in the Mortgage Industry specializing in Residential mortgages and refinancing solutions in the Pittsburgh area.
She is dedicated to helping individuals and families achieve their homeownership goals. Barbara will educate you through the loan process and shop the best rate and terms for your specific needs. Communication is very important to her and she will keep you informed throughout the loan process. Barbara specializes in first- time buyers, FHA, VA, and Jumbo loans.
Outside of work, Barbara enjoys hiking and the outdoors. She volunteers in assisting the elderly at her local community.