Innovative
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Responsive
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Determined
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Approachable
Your founders
With a combined 116 years of experience in real estate, escrow, title, legal and mortgage, Maddog Mike, Carla, and Kelli know what it takes to get your loan approved.
Offering benefits that manifest the first moment we engage. Your passion becomes our passion…it’s personal, emotional and tangible to us here at Chem Financial.
Our culture is formed from an intrinsic belief and practice of placing your well-being above our own – a true and manifest ethos of care.
Maddog Mike Hobbs
Founder | Home Loan Broker
Read More About Maddog Mike
Maddog Mike Hobbs is a mortgage broker, professional marketer, former radio personality, author, business owner, and business coach whose passion leads him to help entrepreneurs, business owners, and realtors grow revenue while acquiring, engaging, collaborating and retaining customers.
Mike acquired his marketing education at CSUDH in 1984 and then furthered his learning experience by graduating Magna Cum Laude in e-Marketing from Ashford University, Forbes School of Business in 2017. Mike recently authored the eBook, Grow Your Business – “5 Things Every Realtor Needs to Stand Out and Be Memorable.”
Mike has always had a passion for marketing and a desire to identify with realtors and their clients. This passion drives him to provide specific, measured, and achievable solutions. Mike places great importance on the needs of the realtor and their clients. He realized, meeting his realtors’ needs required him to focus on providing superior value by creating tools and programs that made them stand out from their competition. Mike has integrated this value proposition into his relationships with his referral partners and in turn, those homebuyers they collectively serve. Mike assists realtors in their quest to obtain distinctive competency, while providing borrower benefits all Home Loan Officers should — but don’t.
Homebuyers:
As a 40-year veteran Home Loan Officer, Mike’s Unique Value Proposition (UVP) is: “I am passionate about walking the journey to homeownership with you while eliminating the worry, inconvenience, and the unknown associated with the home loan process.” Buy, build, remodel and refinance, knowing your family’s best interests are guarded by an ethos of care manifest in a combined 112 years in legal, real estate and mortgage lending experience with his partners at Chem Financial. With over 15,000 home loans funded during his time in real estate lending, you will receive superior service and loan products from Mike.
Realtors:
“I am passionate about shepherding your paycheck and cashing it on time while making your clients loyal, raving advocates, and providing marketing solutions to help you stand out, be memorable and grow your business.”
Rebel Realtor Coaching: Mike’s unique coaching program…the first of its kind, helps realtors looking for distinctive competency, who are not afraid to step out of their comfort zone, and want to do extraordinary things with their business, for their clients and for their family…reach out to Mike. Realtors, this is a boutique coaching program that changes all expectations of how real estate is done. You become unique in word, deed, identity and results.
Carla Durheim
Founder | Home Loan Broker
Read More About Carla
What with Carla’s nearly four decades in the mortgage lending industry, she is not just a provider of financial solutions – she is a partner dedicated to advocating for each client’s best interests.
Carla’s career journey, spanning from Credit Union beginnings to Bank Manager and leading teams in non-QM lending, has always centered around finding personalized solutions that truly benefit you…her client. During her time as a VP of Business Development, Carla led initiatives to connect banks and credit unions with strategies that empower them to better serve their communities, especially through innovative Affinity programs.
Carla’s experience has taught her that you don’t need a salesperson—you need someone who will stand by your side, understand your goals, and guide you to the best solutions possible. That’s why she opened her own mortgage brokerage with her business partner, Maddog Mike Hobbs. Carla is committed to delivering lending services and benefits with a focus on client partnership and satisfaction.
Outside of Carla’s professional life, she is passionate about spending time with her family, friends, her pets, as well as exploring the world through cooking, travel, and new adventures. Whether it’s discovering fresh flavors or seeking out unique destinations, Carla believes in the value of curiosity and connection—qualities I bring to my work every day.
Kelli Ross
Founder | Director of Production
Read More About Kelli
To sum it up…Kelli Ross has a burning desire to help people. She is a passionate and consummate Mortgage Broker and prides herself on delivering outstanding customer service with an innate ability to make you aware she has your best interests at heart.
Kelli has acquired her skill set and wealth of knowledge over three decades of mortgage originations, mortgage processing, banking, escrow, title, and construction lending. These diverse roles and experience have equipped Kelli with a comprehensive understanding of the mortgage process from every angle. Kelli believes communication and transparency are key to your successful lending experience and takes the time to explain each step of the process, ensuring you remain confident and informed. Kelli let’s you know that she is always available to answer your questions, address your concerns, and provide guidance tailored to your specific situations.
Kelli’s dedication to professional growth and client service is reflected in her production and customer service awards received throughout her career. She continually seeks to enhance her skills and stay updated with the latest industry trends, enabling Kelli to offer the best advice and solutions for you.
Outside of work, Kelli enjoys spending time with my husband of 39 years who is her best friend. She loves to cook, catch a good movie, and go see as many of my favorite country music concerts that I can.
Kelli says, “I am most excited about working with Chem Financial because we are like family. We are small but mighty. Everything we do is to our clients’ and partners’ benefit.”
The Founders of Chem Financial say, “Kelli is the epitome of job insecurity…because once you speak with Kelli, you’ll forget about us.”
Your team
Bringing a depth of knowledge and a passion for your success. From the very first interaction, our dedication to your financial goals becomes evident—transforming your aspirations into reality. At Chem Financial, our team’s commitment goes beyond just service; it’s an unyielding dedication to ensuring your financial well-being above all else. Our ethos of genuine care and personalized guidance sets us apart, creating a supportive and empowering experience for every client.
Aaron Clark
Home Loan Broker
Read More About Aaron
With over 10 years of experience in the mortgage industry, Aaron brings a wealth of knowledge and
dedication to helping clients achieve their homeownership dreams.
As a proud United States Marine, he applies the values of integrity, honor, discipline, and commitment to every transaction.
Married to successful realtor, Aaron understands the real estate process from all angles and works tirelessly to make financing seamless for his clients. Outside of work, he enjoys spending time with his wife and four children, finding joy in family and shared accomplishments.
Jason Matheson
Home Loan Broker
Read More About Jason
Jason is a seasoned loan officer with 16 years of lending experience and loves to provide a seamless homebuying experience. He holds a bachelor’s degree in finance from Brigham Young University- Idaho and a master’s in Business Administration from Western Governors University.
During the lending process, Jason is great at eliminating obstacles and alleviating anxiety for both the borrower and realtor. His attention to detail, clear communication, and proactive approach ensure that everyone involved feels confident and at ease during the entire process.
When not assisting clients and realtors during the lending process, Jason can be found spending time with his family. As a husband and father of six, quality time is cherished and enjoyed. Most of this time is spent outdoors enjoying the beauty that North Idaho has to offer through riding dirt bikes, backpacking, and fishing. When a night in is needed, there is nothing he loves more than cooking a delicious meal, watching a movie suggested by his lovely wife of 17 years, and playing games with his kids.
Brian Dix
Home Loan Broker
Read More About Brian
Brian Dix is a mission-driven mortgage advisor who brings a steady, analytical approach to helping clients make confident home financing decisions.
Brian’s approach to lending was shaped years before he entered the industry. With two decades of experience as a US Marine in Presidential Security Forces and later in intelligence, he learned to listen closely, pay attention to details, think several steps ahead, and work with integrity. He continued serving in the USMC Reserve while studying neuroscience at Claremont McKenna College, a combination that set the stage in how he works today: make the complex understandable, watch for issues early, and keep communication steady so clients can make confident decisions.
Brian is known for his no-pressure, client-first mindset as he helps people navigate large financial decisions by breaking things down clearly and keeping the process grounded. With nearly ten years of experience across mortgage origination, compliance, and daily operations, he understands how transactions move and where clients need clarity the most. Those who work with him often describe him as patient and thorough, someone who takes responsibility for the details and makes the next steps easy to see. He is especially mindful when working with veterans, experiencing the process first-hand prior to entering the lending world.
Away from work, Brian is spending time with his family…mostly outdoors tending to their chickens, goats, and donkey, or milling lumber for the next project. It is a hands-on lifestyle that keeps him grounded in the values that guide everything he does: purpose, discipline, and doing things the right way.
Kristy casley
Director of Realtor Relations
Read More About Kristy
Backed by extensive experience in Customer Service and Real Estate, Kristy is uniquely qualified to help you build your business. She understands the true importance of service, client loyalty and a strong referral network. As a dynamic, driven, team player, she is excited to help you exceed your goals.
tino montelongo
Home Loan Broker
Read More About Tino
Tino Montelongo is a seasoned mortgage and business development professional with over 25 years of experience in loan origination, sales leadership, and relationship-driven marketing.
He has an extensive background in FHA, Conventional, and VA lending, along with a proven track record of building high-performing teams, generating consistent loan production, and supporting realtors through strategic marketing and lead generation.
Throughout his career, Tino has held roles ranging from Loan Originator and Branch Manager to Business Development Officer, funding millions in purchase and refinance transactions while excelling in client education and first-time homebuyer outreach.
Known for his strong work ethic, hands-on sales approach, and ability to connect with diverse communities, he combines traditional prospecting with modern digital and social media marketing strategies to drive results.
Eric Gonzalez
Home Loan Broker
Read More About Eric
Based in Southeast Florida, I am a Mortgage Broker and Real Estate Broker that works alongside a dedicated lending team to help buyers navigate the financing process with confidence.
With broker licenses in Idaho, Washington, and Florida, my background on both sides of the transaction allows our team to anticipate challenges, communicate proactively, and deliver a more efficient path to closing.
Chem Financial 