3155 South Price Rd. Suite 105   Chandler,  AZ  85248

Geneva Financial, LLC.


Justin Brown

Director of Business Development

Systems and Training


Justin started in the mortgage industry at the beginning of 2003 as a loan officer. After achieving huge success he was promoted to an inside sales manager position. In 2011, Justin decided to expand his experience into operations in order to have a more complete understanding of the entire loan process.  Justin joined Geneva Financial in 2014 as an internal account executive and opened their Dallas area office.


Douglas Hart

Vice President of National Sales

NMLS: 298916

Douglas Hart has been in the Mortgage business for since 1994. He has been a top producer at every company he has worked at and was officially awarded “Presidents Club Top 10 producers in the nation” many times and as recently as 2015. He is passionate about assisting both Loan Officers as well as Real Estate partners in achieving a higher level of success in their business. Having knowledge and experience with many strategies that have been proven successful, he wants to share that knowledge to bring a better experience to all professionals and clients that are involved in Real Estate transactions when obtaining a Mortgage loan. He believes transparency is the most important aspect in his business for Agents, Loan Officers, and clients.  


Scott Crutcher

National Sales Manager

NMLS: 513080

Scott Crutcher is the newest addition to the Geneva Financial Family as National Sales Manager. Scott’s career has progressed through the Mortgage Banking industry from Loan Officer to running National Retail at his previous company and he has over 20 years of Sales, Management, and Leadership experience. He has a successful track record of building productive and profitable branch teams across the country and his primary focus at Geneva will be on recruiting and growth nationally. Scott is a University of Texas graduate and holds a Masters from LSU. He is very excited about joining Geneva Financial as he feels the company mission and culture are a perfect fit. Scott always strives to live his life by the Zig Ziglar quote: “You can get everything in life you want if you will just help enough other people get what they want.”

Outside of work, Scott spends his free time hunting, fishing and playing golf in the great outdoors in Colorado with his family and as an avid college football fan, enjoys cheering for his Longhorns & Tigers. He has been married to the love of his life, Dawnmarie, for 7 years, and he considers his children, Cameron, Kylie, Ashley and Ally, his greatest accomplishments in life.


Cynthia Scaglione

Post Closing

Cindy has been in the mortgage industry since 1981.  Most of her experience comes from working different areas within brokerage firms that underwrote and funded their own loans.  She helped set up many different departments, write company procedures and helped create an online application procedure back in 2000.  She was always a “go to” person for trouble shooting on files. In 2006 she relocated to Arizona from the Bay Area, where she had worked for Bank of American and Chase prior to joining Geneva Financial


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Lorraine Giron


Lorraine has been an Underwriter with Geneva Financial since May 2014 and comes with over 10 years’ experience.  She started her underwriting career with USAA Federal Saving Bank specializing VA mortgage loans and has worked with Chase and Wells Fargo underwriting both VA and conventional loan.  She prides herself in providing excellent customer service to our loan officers and processors and firmly believes in working as a team.



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Nicole Hamilton

Team Lead Closing

Nicole Hamilton is the Team Lead of our Closing Department. She currently resides in Fort Worth, TX. After receiving her Bachelor’s degree, she began working in the mortgage industry. She currently has 6 years of mortgage industry experience, 5 of them working in Closing. Nicole is dedicated to ensuring the closing team makes every closing a smooth and quick process for all parties. She enjoys spending time with her husband and their 4 dogs, golfing and rooting for the Dallas Cowboys

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Heather Guzman


Heather was born and raised in Southern California. She enjoys spending time with her family, watching football, horseback riding, singing, dancing, songwriting, and coaching cheerleading. She has coached competitive cheer for both youth and high school levels. She has been in the mortgage field over twenty years; fifteen years in underwriting.


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Ashley Tejedor


Ashley Tejedor is a Closer who works for Geneva Financial, LLC. Originally from California, Ashley moved to Texas to further advance her mortgage career. Ashley has worked in numerous sectors of the financial industry, including retail banking and accounting.

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Tammera Crossin


Tammera has been in the Mortgage industry for over 30 years. She has three great kids and I has been married for 20 years to her best friend. They love traveling and hanging in their back yard.

Tammera works hard and plays harder. She says, "Love life it’s too short to waste."