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
Chris Kelly
NMLS 2681568
Real estate has been a huge part of my life for years—whether it’s buying, selling, investing, or even hands-on construction. I’ve built a strong understanding of market trends, property values, and financing options, and I love using that knowledge to help people navigate the mortgage process.
Buying a home is a big deal, and I know it can feel overwhelming. That’s why I take the time to understand each client’s unique situation and find financing solutions that fit their needs. My goal is to make the process as smooth and stress-free as possible so individuals and families can move forward with confidence and excitement toward homeownership.
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.
Pam Morrow-Wolfe
NMLS 149172
Nicole Herget
NMLS 2485698
As a licensed Loan Originator in Pennsylvania, Florida, Texas, and Delaware, I bring a diverse and well-rounded perspective to the lending process, shaped by my professional and educational background. With over five years of experience in corporate finance and a strong foundation in real estate investing, I have developed a deep understanding of financial analysis and market trends. This unique blend of expertise allows me to offer personalized and knowledgeable guidance to every client I work with.
What sets me apart in the industry is the combination of my education, professional experience, and personal values. I hold an MBA from the University of Pittsburgh and have a robust background in researching and structuring corporate financial strategies. My journey into real estate began in my mid-20s alongside my husband, a seasoned real estate agent in Pittsburgh. Together, we've built a portfolio of investment and rental properties, giving me firsthand insight into the challenges and rewards of real estate ownership.
I approach each client's financial situation holistically, crafting tailored solutions that support their long-term goals and overall financial well-being. As a member of the Pittsburgh community and a parent raising a young family here, I deeply understand the importance of homeownership and the emotional significance of finding the perfect place to call home. I prioritize building meaningful relationships with my clients, ensuring they feel supported and informed through every step of their homebuying journey.