Listening to his clients and evaluating their needs has been the basis of Jeff's service focus for almost 15 years in the mortgage industry. From first-time to experienced homebuyers, purchase to refinance, he is committed to helping clients from every background achieve their dreams of home ownership. To Jeff, every buyer and mortgage is like a fingerprint—every one is unlike anyone else's. He takes the time to learn about each client's unique financial situation and goals in order to find the right financing match. Jeff achieves this by listening closely, being available and responding quickly to questions and concerns. Simply put, he wants the home-buying experience to be all about the client. When he's not working with clients, Jeff enjoys spending time with family, including his three children, as well as playing golf and doing home remodeling.

VP of Mortgage Lending

Jeff Fries is your Cincinnati local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jeff is committed to helping homeowners with home purchase loans and refinances. Contact Jeff at (513) 975-4722 for more information!

Jeff Fries at Guaranteed Rate Affinity (NMLS #926910)

Joe knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation in order to recommend the most appropriate mortgage solutions. Guaranteed Rate Affinity offers a full range of loan products and programs to fit specific financing needs, and he makes sure to have a thorough understanding of each. Joe’s first objective is to help clients make the best choice, but that is just one aspect of his elite service. He works with homebuyers throughout the mortgage process as a consultant and guide, directing the activities of a dedicated team that includes loan assistants, processors, underwriters and closing specialists. Joe also coordinates with real estate agents and other industry professionals to ensure that the transaction closes as quickly and smoothly as possible.

Director of Specialty Products

Joe Daly is your Cincinnati local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Joe is committed to helping homeowners with home purchase loans and refinances. Contact Joe at (513) 975-3816 for more information!

Joe Daly at Guaranteed Rate Affinity (NMLS #384503)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Originating Manager

Damon is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with 19 years of experience in financial services, specializing in home purchases and refinancing. He holds an MBA in Finance from Xavier University (2004) and has been a consistent President’s Club honoree, recognized as a top-performing mortgage loan officer in the Cincinnati area.
Known for his client-focused approach, Damon helps first-time homebuyers, current homeowners, and investors navigate the mortgage process with ease. Whether clients are looking to purchase a new home or refinance their mortgage, he provides clear, personalized guidance tailored to each unique situation. No question is ever too simple or too complex.
📞 Call Damon today at 513-448-5552 for expert advice on your next home purchase or refinance in Cincinnati and the surrounding areas!

The DiBari Team at Guaranteed Rate Affinity (NMLS #520809)

Jason Shoe is your Cincinnati local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jason is committed to helping homeowners with home purchase loans and refinances. Contact Jason at (513) 305-6944 for more information!

Jason Shoe at Guaranteed Rate Affinity (NMLS #437356)

Associate VP of Mortgage Lending

Matt Davis is your Cincinnati local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Matt is committed to helping homeowners with home purchase loans and refinances. Contact Matt at (952) 844-6803 for more information!

Matt Davis at Guaranteed Rate Affinity (NMLS #1863809)

"Nothing is really work unless you would rather be doing something else." – J.M.Barrie, Peter Pan  
After over 20 years of mortgage and real estate experience you can be assured that I enjoy what I do every day – help you realize your dream of homeownership. Whether you are looking to buy your first home, your next home, or investment home – I am here to walk you through the process of how to utilize mortgage financing options to make it a reality. With an overwhelming amount of online mortgage information, it can seem daunting to determine the best options. I take the time to understand your goals for your future and create a plan to get you there. I have helped my clients house-hack, buy their first investment property, find their perfect second home, and even help current homeowners tap into their equity with a reverse mortgage without a mortgage payment.  
If you're wondering how to make your homeownership dreams a reality – let's connect and create a plan together!

Branch Manager

Jes Laine is your Cincinnati local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Jes is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jes at (856) 994-0146 for more information!

Jes Laine at Guaranteed Rate Affinity (NMLS #657510)

Kelly began her mortgage banking career in 1987. She has served in a wide range of mortgage lending environments including managing both sales and operations teams. Kelly has been the national, top producer for various lenders. She has been a member of the Greater Cincinnati Mortgage Bankers Association since 1995 and currently serves as the Treasurer and is its Past President. Kelly has served on multiple boards and organizations in different capacities including being a founding member of the ArtsWave Women's Leadership Round Table. She resides with her husband Adam in Cincinnati and is the proud parent of their 24 year old daughter, Zoe.

Kelly Scovanner is your Cincinnati local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Kelly is committed to helping homeowners with home purchase loans and refinances. Contact Kelly at (513) 975-4730 for more information!

Kelly Scovanner at Guaranteed Rate Affinity (NMLS #1773354)

Christa Smith is your Cincinnati local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Christa is committed to helping homeowners with home purchase loans and refinances. Contact Christa at (317) 416-4555 for more information!

Christa Smith at Guaranteed Rate Affinity (NMLS #863003)

The decision to purchase a home or investment property is a big one, and your decision to hire a mortgage professional should be as well. Buying a property is a huge commitment of resources, both financial and emotional. That's why you need a lender who will guide you knowledgeably and objectively through the mortgage process. You can trust JJ Vickroy of Guaranteed Rate Affinity to meet your lending needs.


After graduating Summa Cum Laude from Miami University with degrees in Management and Economics, JJ worked as an Information Technology Project Manager at Fifth Third Bank. JJ decided to take a break from corporate life when starting her family and shortly thereafter started working as a licensed Realtor. After several years as a full-time realtor, JJ had the opportunity to transition to an operational role and continued her services as an Agent Development Specialist for Coldwell Banker.


When an opportunity to expand her skillset and become a licensed Mortgage Loan Originator presented itself, JJ's choice of affiliation was clear. As a realtor who had experienced Guaranteed Rate Affinity as a business partner, JJ knew GRA provided the level of customer service and commitment consistent with her business practices.


Each lending scenario is unique, and JJ offers a personalized approach to meet your specific needs. JJ provides a blend of talents that provides her clients with unparalleled service and support throughout the mortgage process and beyond. Contact JJ today to find out how she can meet your mortgage needs and exceed your expectations.

JJ Vickroy is your Cincinnati  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, JJ is committed to helping homeowners with home purchase loans and refinances. Contact JJ at (513) 277-0092 for more information!

JJ Vickroy at Guaranteed Rate Affinity (NMLS #2600946)

Cincinnati

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9 Loan Officers Cincinnati, OH