OUR TEAM

Justin davey

  • NMLS# 1850486

    Email: justin@charmedmortgage.com

    Phone: (586) 872-9440

  • As a dedicated father of three, Little League football coach, and avid Detroit Lions fan, I understand the importance of teamwork, commitment, and unwavering support. These values extend beyond the football field and into my professional life as a mortgage expert.

    With extensive experience in the mortgage industry, including roles as a Senior Underwriting Team Lead at UWM and the launch of my own Mortgage Processing company, I possess the expertise to guide you seamlessly through the homebuying process. My passion lies in empowering individuals and families to achieve their dream of homeownership, making this journey as smooth and stress-free as possible.

    Whether you're a first-time homebuyer or an experienced investor, I am committed to providing you with personalized attention, tailored solutions, and unwavering dedication. My goal is to not only secure your mortgage but also to foster a lasting relationship built on trust and mutual respect.

    When I'm not helping others find their perfect homes, you can find me cheering on the Detroit Lions, coaching on the football field, or spending quality time with my family. These moments of connection and passion fuel my drive to make a positive impact on my community.

HIEN NAVARRE

  • NMLS# 2015414

    Email: hien@charmedmortgage.com

    Phone: (248) 854-8241

  • Name Pronunciation: “He-in”

    A mom of 2 determined to help ease the mortgage process for each individual she meets.

    I entered the mortgage industry in 2018. Eager to learn, I moved through multiple teams to understand the background of the mortgage process. My roles in the mortgage industry have ranged from Lending Support, Underwriting, Processing, Training, Compliance Auditing, and Loan Origination.

    Within these different roles, I learned the processes in the background of lenders, brokers, and processing companies. I also gained perspective on the mortgage process as a homebuyer. Going through my first mortgage, I realized what I loved about the process and what I never would want my very own clients to encounter.

    I am passionate on educating my clients on the mortgage process and try to be as detailed and open to communication as possible. I am eager to work on new scenarios and am continuously learning something new each day!

Tim kelly

  • NMLS# 1992995

    Email: tim@charmedmortgage.com

    Phone: (586) 610-7338

  • I have over 9 years of experience in the mortgage industry with 6 of those 9 years being spent as a Mortgage Underwriter analyzing credit and calculating income for the top wholesale lender in the nation to ultimately approve or deny a mortgage application. This is a huge benefit to my clients because I know exactly what it takes to get their loans approved and can make the financing of your home go much faster than my competition.

    If Client Service is important to you, please know that I am very passionate about delivering the ELITE Client Service that you expect and deserve. I keep you updated as we proceed through each stage of the financing process with milestone updates while always being available by phone call/ text message or email. I also love to educate my clients on the mortgage process and what things to expect at each stage in the financing process, because it is not every day that someone gets a mortgage.

    With previous experience as a Mortgage Underwriting Classroom Trainer with one of the biggest lenders in the country I am very good at explaining things in a way that's easy to understand and can always use a different set of words to help you develop a better understanding of things you care most about.