Our Team

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


 Todd Dickinson

Todd is known for his honesty, integrity, and dedication to helping his clients close deals as quickly and smoothly as possible. He prides himself on being highly accessible and communicating well with his clients throughout the loan process.

As a loan officer with almost 30 years of experience, Todd is committed to providing his customers with mortgage experiences that exceed their expectations. In addition to understanding the complexity of the mortgage loan industry, he is known for being easily reachable and responding quickly to his clients. Todd has an ultimate goal to ensure that you make the right choice for you and your family and financing your home.

When Todd is not in the office doing mortgages, you can find him camping with his wife and family, volunteering his time to local charities such as, Canines for Change, Habitat for Humanity, and the Brighton Church of Nazarene.

Lisa Bronikowski

Honesty, integrity, and hard work are the cornerstones of Lisa Bronikowski’s personal and professional life. Lisa began her financial career in the mid 90’s and quickly found her passion in lending. With over 25 years of experience, Lisa applies her extensive knowledge to every transaction. Lisa is committed to providing her clients with excellent customer service; she keeps them informed and involved throughout the entire lending process. She also places a high priority on building relationships with all of her clients to better understand their needs and goals. This insight allows Lisa to best guide her clients through a smooth lending process. In addition to her work as a mortgage loan professional, she is very involved in the community by volunteering and holding positions on boards for local charities such as; Canines for Change, American Cancer Society, Crohns and Colitis Foundation, Humane Society of Livingston County, Women’s Council of Realtors Livingston, and Gleaners Food Bank.

David P. Vettraino

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

Christine Vettraino

Accounting/Human Resources
Phone: 517-404-2622

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.