Texas

Sharon Mistowski


Director of Business Development

Work

11411 Cedar Glen
Flint, Texas 75762

Direct: 972-347-9224
Cell: 972-569-7226
Fax: 972-692-2650
Email:  sharon@horizonlendingservices.com

Profile

"Mortgages and Credit is our business... Changing people's lives is our passion"

In the course of a diverse 25-year career in all aspects of lending, Sharon has proven to be a skilled executive, building long lasting relationships in the community and industry.

Her broad knowledge and expertise extends to all aspects of financial wellbeing, as well as the adversity that many consumers face with credit issues.

Holding an MBA in accounting her expertise and knowledge is unsurpassed.

Sharon Mistowski

Jodi Chapp 

President-NMLS #902725

Work

11411 Cedar Glen
Flint, Texas 75762

Cell: 760-715-3633
Fax: 972-692-2650
Email: jodi@horizonlendingservices.com

Profile

Growing up in San Diego California and the daughter of Horizon Lending Services, LLCs’ late President William Patrick Mistowski, Jodi Chapp always understood the value of hard work and dedication. 

As the newly appointed President of Horizon Lending Services, LLC, Jodi is responsible for the operations of the company.  She brings more than 20 years’ experience to the company.  Her experience and leadership have been focusing on customer service and solutions, providing outstanding client service.  She will continue the strategic alliances with Realtors and Builders who enjoy her strong commitment to service.

While not busy helping clients’, Jodi enjoys cooking, staying fit and spending time with her husband, children and family.

Jodi Chapp

Carrie Bycott

Operations Manager

Work

11411 Cedar Glen
Flint, Texas 75762

Direct: 972-442-9809 
Fax: 972-692-2650
Email:  carrie@horizonlendingservices.com

Profile

Carrie, brings more than ten years of Operation and processing Management to the company. A detail-oriented professional, Carrie has the tenacity to get things done – and most importantly, get them done on time. Her steady demeanor and strong work ethic help ensure the Mistowski Team’s clients experience smooth, streamlined home-financing transactions.

Carrie Bycott

Scott Simmons

Residential Mortgage Loan Originator-NMLS#255720

Work

11411 Cedar Glen
Flint, Texas 75762

Cell: 972-489-1448 
Fax: 972-692-2650
Email:  scott@horizonlendingservices.com

Profile

With over 20 years of experience in the mortgage industry, I have helped thousands of clients turn their Loan into a Home. I understand my customers’ needs to obtain the right program, and the best rates possible.

Whether you’re a first-time home buyer, looking to trade up, deciding to downsize, or simply wishing for a change, I can help you before you ever make an offer on a property. Let's sit down and let me assist you in obtaining a clear picture of what type and amount of loan is realistic. There are many factors to consider when getting a home loan; interest rates are only one element of the complete package. I will help you consider all your options so you can concentrate on making the best decision for your needs.

Scott Simmons

Sofia Vig 

Residential Mortgage Loan Originator-NMLS #1627282

Work

11411 Cedar Glen
Flint, Texas 75762

Cell: 972-400-6219
Fax: 972-692-2650
Email:  sofia@horizonlendingservices.com

Profile

Sofia is a seasoned professional, with a rich diverse background. Sofia comes with a great academic background in law and finance. Sofia has proven to be a skilled leader with excellent interpersonal skills speaking Hindi, Tamil, Marwari, Telugu- Indian and English, enabling a wide range of partnerships with borrowers’ and Realtors’. Her broad knowledge and expertise extends to all aspects Mortgages and lending practices. Sofia is committed to her passion of lending and is customer focused. Her goal is to enable and empower you to make the best decision for your needs.

Scott Simmons

Duncan Perkins

Residential Mortgage Loan Originator -NMLS#1830465

Work

11411 Cedar Glen
Flint, Texas 75762

Cell: 214-997-3984
Fax: 972-692-2650
Email:  duncan@horizonlendingservices.com

Profile

Born and raised in Miami, Florida, Duncan transitioned into a career in the Mortgage industry after proudly serving his country in the United States Navy. Being a recent transplant to the great state of Texas and having triumphantly passed the National Licensing Exam, Duncan has found a home with Horizon Lending Services. As a Veteran Duncan brings a passion about home ownership and the needs of both Veterans’ and first-time homeowners alike.

Having parents that emigrated to the United States from the Caribbean and made careers as Real Estate Agents and later Mortgage Brokers Duncan not only inherited their passion for real estate but was privileged to have first-hand exposure to the inner workings of the industry. Throughout the years, Duncan has manifested a passion to being attentive to the needs of individuals deciding to take their futures by the reigns.

When not assisting clients, Duncan enjoys reading, spending time with family, staying active through exercise and learning more about Texas’ rich history and what it has to offer.

Duncan Perkins

Sarah A Ridley 

Residential Mortgage Loan Originator -NMLS #1880495

Work

11411 Cedar Glen
Flint, Texas 75762

Cell: 903-245-3920
Fax: 972-692-2650
Email:  sarah@horizonlendingservices.com

Profile

Sarah graduated from the University of Texas in Austin with a degree in Public Relations. She has a background in banking, brokerage, and service industry. She brings excellent customer service, developing and maintaining lasting and trusting relationships. Sarah takes her job very serious, making sure her customers are always 100% satisfied, helping guide them in the right direction so they feel the most informed and comfortable when making their decisions. She is warm, honest, and professional. Attention to detail and communication is very important and she always wants to make sure you are getting the absolute best for your specific needs.

Sarah has a love for dogs and all things outdoors. 

Sarah A Ridley

Khannah Josue

Residential Mortgage Loan Originator-NMLS#1818240

Work

11411 Cedar Glen
Flint, Texas 75762

Cell: 214-730-0244
Fax: 972-692-2650
Email:  kj@horizonlendingservices.com

Profile

Khannah was introduced to the mortgage industry in 1987 as a receptionist. Growing through the ranks, excelling through each position, landing as a Loan Officer where she is today.  With a proven performance built on “the empowered borrower” many of her customers gave her the nickname “The Mortgage Educator”.   Now with more than 25 years’ experience, holding a certification as a Life & Business Etiquette Coach and founding partner of the John C. Maxwell Team, she continues to expand her knowledge base in life’s arenas to add maximum value to her customers.  Assisting in making the best mortgage product choice to fit their individual needs. The result you can expect from partnering with Khannah is to be position to have your loan approved and at the closing table.

Khannah is fluent in Creole which is beneficial to her relationship with the Haitian community

Khannah Josue