Cornerstone Team Members

Loan Officer Jennifer Bray joined the mortgage industry to pursue her passion of helping others. She feels assisting clients in achieving their home ownership goals is a sure way to make an impact on her community.

She has more than six years of experience as the division manager for the local homeowner’s associations with a property management company.

Jennifer gives each client the individual attention they deserve, and works hard to ensure a smooth and streamlined mortgage transaction. "Transitioning a house to a home is simply a matter of perception, and I'm thrilled to be a part of that equation," states Jennifer.

Caring for each client as if they are her only client is a trademark of Top Producing Loan Officer Shanna Keller of Cornerstone Home Lending.

Experience and creativity enable Shanna to always do her best to find the appropriate loan program for each client. “My philosophy is simple – whether your interest is in buying or refinancing, I know that the most important transaction is yours,” she says.

Having worked in the Real Estate, title and mortgage industries, Shanna believes in going the extra step to find the answer and provide the best customer service. Shanna loves her job – especially being able to listen to her clients’ hopes, dreams and goals and then doing what is necessary to help them achieve those goals. Whether her client is buying a home for the first time, financing a new home or refinancing an existing home, Shanna knows what must be done to provide her clients the best loan program possible. She knows that once clients see how hard she works for them, they will be her “customers for life.“

Born in Kansas, Shanna has spent the majority of her life in Colorado. She enjoys spending time with her family and loves participating in outdoor activities.

With Cornerstone Home Lending, you will discover an atmosphere of enthusiasm, a spirit of dedication and a great desire to build quality relationships. Experience the Cornerstone difference!

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.