Cornerstone Team Members

Inspired by her father’s career as a builder, Debbie joined the mortgage industry in 1985. She delights in sharing the insight she’s gained to help more families achieve their homeownership dreams.

Backed by Debbie’s knowledgeable guidance, clear communication, and caring service, clients can enjoy an effortless journey from start to home. She personally manages her customers’ transactions, walking alongside them at each step and ensuring they understand their home loan options and what to expect along the way. She can also easily resolve any issues that could delay the closing day. More importantly, Debbie will be there for her clients long after their loan has closed.

“Mortgages are long-term, and so is my commitment to my customers,” she says. “They can always count on me as a trusted resource now and in the years to come.”

Born, raised, and thriving in Montana, Debbie can’t imagine calling any other state home. She loves spending time outdoors; gardening and golfing are among her favorite pastimes.

Justin Smith knows that integrity is the foundation for any successful team. A former auctioneer, Justin first became interested in mortgage lending when a client of his owned a mortgage brokerage firm. After deciding to change professions, he has spent the last 10 years helping many clients purchase their own homes with quality, unmatched customer service.

A Kansas native, Justin relocated to Pagosa Springs, Colorado, in 1980 and then to Fort Collins in 1985. When he isn’t assisting clients, you can find Justin spending time with his wife and two daughters, golfing or skiing.