Geneva Team Kentucky


Ginni Barnhart

 Loan Officer

NMLS: 1008317

Ginni is truly passionate about the mortgage profession and the result of this is that 100% of her business are referrals from satisfied customers, trusted financial planners, and the most experienced Realtors in the Greater Cincinnati and Dayton Metropolitan areas. Ginni’s mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many loan options available.

With over 18 years’ experience in the mortgage industry, she and her team of experts are ready to help you every step of the way. You only think about financing a home a few times in your life, Ginni thinks about it every single day.

Kelly Seel

Loan Officer


Kelly is a mortgage professional.  She goes the extra mile for all of her customers.

She believes that a customer centric process is key for any successful transaction.Whether purchasing a new home, or refinancing your current home, Kelly's extensive knowledge of government and conventional products helps to achieve positive results.

Terry Silver

Loan Officer


In 1997 Terry Silver became a licensed Mortgage Broker. For ten years his primary function was purchases or refinancing of homes in the Kentucky/Indiana area.    Terry is married to Shari Silver, his wife of 27 years. They have three children they raised in addition to a set of twins, niece and nephew. They are proud that all kids are college educated and the twins are sophomores at Indiana State University. Terry loves to work hard and help people; he is devoted father and grandfather and serves as a Deacon at his church. 

Personal achievements include winning the National Golden Gloves 1980, winning the Olympics Trials in 1972 and 1980 and fighting Sugar Ray Leonard for National Golden Gloves title in 1974 (You-tube: Sugar Ray vs Terrence Silver).

Zachary Morris

Loan Officer

NMLS: 1326238

Mark Zachary Morris was born and raised in Dayton, Ohio, and graduated from the University of Kentucky. His educational successes and strong work ethic led him to work in the housing industry.He is now one of Geneva Financial’s branch managers who will service Indiana, Kentucky, Tennessee, Pennsylvania, and Virginia territories. If you ask him what he likes the most about his role, the answer is simple.

“I learned early on through my volunteer experiences at God’s Pantry, Bluegrass Care and Rehabilitation, and the Head Start Program that my job would have to involve helping people. That’s what I do. I save people lots of money and that’s a good feeling.”

Randy Davis     KY and OH.png

Randy Davis

Loan Officer

NMLS: 1188614

As a life-long Cincinnati resident with over 7 years of experience in the mortgage business, Randy has become a trusted expert in home loan purchases and refinancing. He will communicate with you all the way through the loan process with honesty and integrity.


Corporate Loan Officers


Robert Tames

Loan Officer

NMLS: 158439