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Meet your New Mortgage Family

Our business model is built on honesty, integrity and passion for helping people attain financial well-being and happiness.

We believe in building long-lasting relationships with our customers and partners while positively impacting our communities.

We provide exceptional customer service to all our customers by providing honest and transparent communication about the mortgage process and the options and strategies available to you.

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Our goal is to help you cut through the clutter and noise in the mortgage marketplace, so you can quickly and efficiently find a loan that meets your objectives and fits your lifestyle.

As professionals in the mortgage lending industry, we’ve built our reputations on providing outstanding service to our clients and partners.

That means you can count on us to always look out for your best interests and to keep you informed throughout every step of the process.

Please don't hesitate to reach out with any questions about how you can secure the best possible financing for your home loan.


Even if you're not in the market for a new loan, we're happy to do a free mortgage and financial wellness review to make sure you're in the best loan and have the most appropriate repayment strategy in place for where you currently are in your homeownership journey. 

Meet the Borrow Smart Team!

Dedication. Expertise. Passion.

Angela McCaffrey

Your Financial Freedom Mentor
Mortgage and Liability Advisor

Faculty Member of the National Institute of Financial Education 

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Team Call/Text: 503-308-6934

Call/Text Direct: (303)881-7271

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Angela is not your typical mortgage professional. Her mission is to raise the standards for the value and guidance mortgage professionals bring to their clients. When other mortgage professionals stop at telling their clients what they CAN qualify for, Angela's goal is to educate and empower her clients to help them move beyond that to discover the choices they SHOULD make regarding what is in their overall best interest around their real estate, borrowing, and mortgage decisions.

She also doesn’t consider her job done once the loan closes like most mortgage professionals. Angela understands the transformative value that her ongoing guidance and support can bring to her clients, and she is here to partner with them, year in and year out, through the following 30+ years of their homeownership journey.

As a Mortgage and Liability Advisor and Financial Educator, Angela adopts a comprehensive and collaborative approach, considering her clients' entire financial landscape, dreams, goals, and relationship with money.

This approach enables her to effectively empower and educate her clients so that they can make informed and confident decisions on how to borrow and repay their debts and successfully manage their responsibilities as homeowners.

After closing, Angela proactively guides her clients, year after year, helping them set and achieve financial dreams and goals while building lasting financial security. Together, they develop a customized real estate roadmap to protect and grow their wealth and maintain their real estate to increase its value over time.

Angela's journey in finance began as a Financial Professional after graduating from Colorado State University in 2007. That experience shaped her philosophy of the need to understand the complete financial picture to deliver maximum value and guidance.

In 2011, she entered the real estate investing world, at which point Angela also obtained her real estate license. In 2013, she transitioned to the lending side where she became a key member of several top-producing teams, giving her invaluable knowledge and experience early in her career that many only acquire throughout a long and successful career.

Born and raised in Colorado, Angela is a devoted mother and wife, dedicated to providing love, compassion, and guidance to those she serves. She believes that financial well-being and independence are achievable for everyone with the right guidance and support.

Beyond mortgages and family time, Angela serves as the Vice President of the Board for At Un/Do: Rethink Your Thinking, where they empower minds and transform lives by teaching universal mindset strategies to help individuals thrive at any life stage. She is also a faculty member with The National Institute of Financial Education, advocating for unbiased consumer education on finances and homeownership.


Regardless of where you or your clients are on the homeownership journey, Angela would love to connect to explore how she can help!

Trevor Hammond

Division Vice President

Mortgage and Liability Advisor

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Since 1998, Trevor Hammond has helped thousands of families finance their homes and make smart decisions when it comes to their personal finances.

Now, as a sought-after mortgage advisor, coach, speaker, and author, Trevor Hammond continues to focus on helping people enjoy more money, less stress, and more life!

In 2005, it became extremely clear to Trevor that homeowners across the country were making huge mistakes when it came to borrowing money, and managing their cash flow and other liabilities. “I remember the first time I learned that less than 10% of people in America had a financial planner. That meant nearly 90% of everyone who either owned a house or was hoping to buy a house, had nobody helping them make smart financial decisions. So I decided I was going to fill that critical void and become a financial resource to my clients,” he says.


Since that turning point, Trevor has created unique financial coaching programs and spoken in front of thousands of people on topics ranging from improving cash flow and savings, to managing liabilities, to advanced real estate financing strategies for homeowners. He has written hundreds of financial articles, and in 2007 co-authored the book, Borrow Smart, Retire Rich. Then in 2010 he wrote, How to Avoid the Four Blind Spots on Your Road to Financial Independence.

Time is our most valuable resource, according to Trevor. “While most mortgage companies and lenders spend their time, and their client’s valuable time, discussing mortgage products, rates, and fees… I believe people truly prefer to spend time discussing their financial future and ways to improve it.” This philosophy has led to the development of a very unique lending process for clients that quickly transforms the way they view their mortgage and their money.


Trevor believes, “Confidence is the key to everything. My job is to help clients gain the clarity and confidence needed to achieve their goals. And their goals are rarely about mortgages, rates, or fees… they are always about a bigger, better future, and achieving greater freedom with both their time and money. That’s what I do every day and I love it!”

Stephanie Castelluccio

Production Partner II Pro


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A seasoned expert in the mortgage industry, Stephanie began her journey in July 2016, dedicating herself to guiding borrowers through the intricate loan process. With a drive for excellence, a positive attitude and excellent customer service, she has remained a pivotal member of her same time since then. 


Beyond mortgages, Stephanie's diverse career spans banking with Banner Bank as a Personal Banker. She consistently built deep relationships with clients, maintained impressive sales records (ranking in the top ten in sales in 2015), and streamlined loan processes. Her knack for mentoring is evident in her role at Banner Bank, where she actively contributed to the training and development of new-hire personal bankers.


From 2009 to 2017, Stephanie channeled her creativity into photography as the Owner of Steph Studios in Portland, capturing moments and memories for her clients. Her managerial skills shone brightly when she led as a Manager at The Club at the Marriott from 2006 to 2008 in Kansas City. Here, she innovatively increased memberships, enhanced customer satisfaction, and significantly improved account collections.


Outside of her professional life, Stephanie treasures her family time. She is an avid outdoor enthusiast, passionate about hiking and basking in the sunshine. Her joys include park visits, baking alongside her daughter, boating, and diving into a captivating book.

Jessica Drumm

Loan Coordinator Extraordinaire

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Jessica Drumm embarked on her journey in the mortgage industry in 2009 as a loan processor at Worthington Financial. In 2014, she took a pause to dedicate time to her family and newborn daughter the returned to her professional arena in July of that year where she joined her current team. She has become an integral member and consistently showcases her skill and expertise as a loan coordinator. In May 2022, Jessica and her team transitioned to NEO Home Loans, bringing with them their collective expertise and commitment.

Away from her desk, Jessica is an avid lover of the outdoors. Most of her free time is spent with her family, exploring nature’s wonders through activities like hiking, snowboarding, and camping. In addition to these family adventures, she relishes moments watching her daughter on the sports field, taking pride in her young athlete's endeavors.

At NEO Home Loans, Jessica's exceptional customer service sets her apart. She is recognized for her depth of knowledge and her innate ability to make her team and clients feel at ease. With her at the helm, clients know they are in capable hands, assured of being guided with clarity and care throughout the intricacies of their loan journey.

What our wonderful clients and partners are saying...

We look forward to being the guide on your homebuying and wealth-building journey.

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