Our Team

Our Team of mortgage professionals is ready to help you with your home buying needs


Phone: 810-626-3216 | NMLS#: 20966

Mortgage Capital Solutions, Inc./Construction Capital Solutions, Inc.

Professional Experience

  • Active in the Mortgage Banking Industry since 1990
  • Licensed as a Lender/Servicer state of Michigan
  • Owned Fannie Mae approved Mortgage Banking Seller/Servicer business from 1998-2008
  • Managed Residential Construction Loan Portfolio’s throughout the U.S. in excess of 1 Billion
  • Certified Residential Construction Loan Specialist/Expert
  • Trusted Residential Construction Loan Administrator for Financial Institutions/Credit Union’s
  • Licensed Builder state of Michigan

Education:  BBA, Finance, General Business, Western Michigan University

 Todd Dickinson

Senior Loan Officer, Realtor Marketing Specialist
Phone: 810-626-3214 | NMLS#: 138887

Professional Experience

  • Mortgage Loan officer/Branch Manager 16 years experience
  • Cleary University Bachelors Degree in Finance

Professional Affiliations

  • F.A.R.M. (Finally Affordable Referrals of Michigan)
  • Networking Organizer/Leader

Douglas Thomas

Phone: 810-626-3209 | NMLS#: 131303

Professional Experience: I’ve have been involved with either selling of real estate, closing of loans or origination of loans for over 25 years.  I have spent the last 14 years in the origination of residential mortgages.
Education: BBA minor of finance from the University of Michigan 1976

Professional Affiliations: Member of ECAR, WCR

Christine Vettraino

Accounting/Human Resources
Phone: 810-626-3215

Education: Aquinas college 1991

 Professional Experience

  • Administration of 401k pension plans
  • Owned Construction Loan Inspection Inc.
  • Completed residential construction loan progress inspections for financial institutions and credit unions throughout the U.S.