Chem Financial Your Home Loan Brokers

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.

Founder | Home Loan Broker

NMLS#: 1804310

Founder | Home Loan Broker

NMLS#: 61502

Founder | Director of Production

NMLS#: 620293

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.

Home Loan Broker

NMLS#: 2033799

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.

Home Loan Broker

NMLS#: 1750532

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.

Home Loan Broker

NMLS# 1665661

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.

Home Loan Broker

NMLS#: 70757

Read More About Brian

Brian brings 22 years of elite sales expertise to the table, with 16 years dedicated specifically to the home mortgage industry. Throughout his tenure, he has navigated diverse and challenging market cycles, providing the steady-handed guidance necessary for clients to make one of the most significant financial decisions of their lives. His deep understanding of the lending landscape ensures that every client receives a strategy tailored to their unique financial goals and long-term stability.

Known for his consistency and drive, Brian has been honored with six professional awards for his performance as a loan officer across the mortgage companies he has served. These accolades are a testament to his reputation for integrity, transparency, and a relentless focus on finding the right solution for every family’s situation. He prides himself on being more than just a lender; he is a dedicated advocate for his clients from application to closing.

At home, Brian and his wife, Amanda, are eagerly expecting their first child. When he isn’t helping families secure their homes, he is likely outdoors with his dog, Roxie, hunting elk, deer, and turkey, or out on the water bass fishing. Brian also stays active in the shooting community, where he competes in regional rifle competitions.

Whether you are looking to buy your first home or refinance your current mortgage, Brian is always excited and eager to help you navigate the process. Reach out today, and let’s start making your homeownership goals a reality together!

Home Loan Broker

NMLS#: 2216838

Read More About Josh

Josh brings a decade of housing industry experience to every client he works with. He started his career in 2016 as a loan processor, spent time as a realtor beginning in 2018, and became a licensed loan officer in 2022 — giving him a well-rounded understanding of the entire home financing journey, from both sides of the closing table.

Josh is passionate about helping people find and finance their dream homes, and he takes pride in serving families throughout North Idaho and Eastern Washington. Whether you’re a first-time homebuyer or looking to refinance, Josh is committed to making the process simple, honest, and stress-free.

Outside of work, Josh loves spending time with his wife and two daughters, whether they’re traveling, camping, or just enjoying life together. He’s also active in his local church, where he plays guitar and serves with the youth group.

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.