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JustChoice Lending (JCL) is a socially responsible mortgage lender that matches clients to the loan that is right for them. JustChoice Lending offers rates that are competitive with mainstream lenders and provides clients with the service and attention of a trusted partner.

We serve people of all income levels, but unlike many lenders, we also have the resources, experience, and know-how to work with people from lower-income backgrounds. In addition, no matter the income level, we also help clients with less-than-stellar credit improve their scores so they can find the home of their dreams.


JustChoice Lending Staff:

Laura Meadows – License #65837

Laura Meadows has enjoyed a career with JustChoice Lending since March 2007 and is currently serving as Fahe’s Executive Vice President of Lending, working with the Single Family Mortgage division, as well as Fahe’s Community Lending division. Laura is a licensed originator in the states of Kentucky, Alabama, Florida, Indiana, Michigan, Mississippi, Tennessee, Virginia, and West Virginia, and holds her 502 Direct Loan Packager Certification. Laura Meadows is a nationally-recognized expert in USDA 502 loan products, which have been the backbone of affordable housing finance in rural America for decades. She advises nonprofits across the nation on how to administer the USDA 502 Direct program, resulting in earned income opportunities and access to mortgage dollars for the low-income households they serve.

Laura enjoys working with JustChoice Lending because as a nonprofit, she gets to see the impact a group of people with a heart for a region can make in Appalachia. She also enjoys getting to know our clients and sharing in their excitement when they become homeowners.

Prior to her work with JustChoice, Laura attended Eastern Kentucky University and graduated Magna Cum Laude.  While studying for a degree in Business and Technology, Laura worked for National City Bank. After four years, she was promoted to an Assistant Manager position. Laura worked for National City seven years before venturing into the nonprofit world with JustChoice. Laura has been a resident of Madison County for over 15 years and enjoys her life there with her husband and beautiful daughter.

David Brock—License #51115

David Brock has served as JustChoice Lending’s Mortgage Loan Originator since joining Fahe twelve years ago. He has twenty years of experience in the mortgage industry, serving both the retail and wholesale sides of business, and his experience in sales allows him to develop new business for JCL. David is a certified homebuyer education counselor through NeighborWorks America and holds a 502 Direct Loan Packager Certification. He is a licensed originator in the states of Kentucky, West Virginia, Virginia, Tennessee, Alabama, Mississippi, Michigan, Indiana, and Florida.

David is an active member of the Berea and Richmond Chambers of Commerce. He establishes and maintains relationships with real estate brokers and agents, builders and developers, major employers, and other key individuals and organizations in the Fahe service region. David is known for his motto, “If it can be done, I can do it.” He enjoys working with clients to find them the best loan product and help them meet the goal of obtaining homeownership.

Janel Lawson – License #804306

Janel Lawson joined JustChoice Lending in August 2015 as Mortgage Loan Specialist. She quickly transitioned into a new role serving as the Single Family Production Manager and was recently promoted to VP of Single Family Lending. Janel manages the origination, processing and closing staff, as well as serving in a greater capacity around monitoring the department’s pipeline, closings, and reporting requirements. Janel is a licensed originator for the states of Kentucky, Virginia, and Indiana. Janel thoroughly enjoys assisting the team and clients, and she loves knowing she is making homeownership a reality in often underserved areas.

A graduate of Madison Central High School, Janel went on to receive her Bachelors of Business Administration from EKU in May 2009.  In September 2016, she obtained her Masters in Human Resource Leadership Management from Sullivan University. Before joining the JCL team, Janel worked at US Bank for six years where she quickly worked her way up from teller to the Assistant Manager position. As a Madison County native, she enjoys attending community activities with her family and children.

Sarah Hoskins – License #873340

Sarah Hoskins joined JustChoice Lending in August 2013 as Mortgage Lending Assistant. She previously served as Mortgage Production Specialist and was recently promoted to Mortgage Operations Coordinator. Sarah handles all the closing and post-closing tasks for the department amongst many other specialties. She holds the 502 Direct Loan Packager Certification and assists as needed with the 502 Direct Packaging Initiative. Her favorite part of working with JustChoice Lending is that she helps make the homeownership dream a reality while keeping the borrower’s best interests in mind.

Before adventuring into the nonprofit world with JustChoice Lending, Sarah worked at PNC Bank as a Customer Service Representative for over three years. She enjoys working with clients and watching them succeed in whatever they want to obtain.

Tammy Sparks – License #949398

Tammy Sparks joined JustChoice Lending in 2014 as Mortgage Loan Processor/Closer. In July 2017 she was promoted to Underwriting and Compliance Manager. She brings extensive experience in underwriting and compliance, including specialized training as a correspondent lender using FHA, Conventional, and Rural Housing loans. Tammy has been a licensed mortgage originator in Kentucky for over three years.

Tammy holds a Direct 502 Direct Loan Packager Certification and serves as back-up point person in processing USDA 502 loan applications as well as back-up Loan Closer.
Tammy came to JCL with three years prior experience in the private mortgage industry. Prior to entering the mortgage industry, she worked as a manager for a medical practice in Berea for 18 years. She and her family have lived in Berea for 23 years. She enjoys working for JustChoice Lending because her roots run deep in the Appalachian Mountains; she takes pride in assisting families that have similar backgrounds to strengthen communities by creating successful homeowners.


Jamie Puckett – License #257288

Jamie Puckett joined Fahe’s staff in 2013 as Community Loan Fund Administrator and served in that role for three years. In 2016, she joined JustChoice Lending as Mortgage Loan Production Specialist. Jamie is a licensed Mortgage Loan Originator in Kentucky and she holds the 502 Direct Loan Packager Certification.  She serves as the main point of contact for the 502 Direct Packaging Initiative Program, packaging business that originates through Fahe, or is reviewed by Fahe for an approved packager. Her role as point person between USDA support staff and Fahe assures the expansion and continued success of the packaging program.

Prior to joining Fahe, she worked for eight years in single family lending as a closer, abstractor, and loan originator.

She and her family have lived in Madison County, Kentucky, for over 19 years.  Having been a client of JustChoice Lending when they enabled her to purchase her first home, she is proud to join the JCL team and assist in making the dream of homeownership happen for others.

 Kodi Denning – License #2024170

Kodi Denning joined the JustChoice Lending team in September 2018 as a 502 Direct Specialist through the Housing and Homeless Coalition of Kentucky’s AmeriCorps program, Homes for All. During her AmeriCorps service, she obtained intricate knowledge of USDA Mortgage Loans. In May 2019, Kodi transitioned to full-time staff as a Mortgage Loan Processor and recently became JustChoice Lending’s Mortgage Loan Originator. Kodi is a licensed loan originator in Alabama, Florida, Illinois, Indiana, Kentucky, Mississippi, South Carolina, Tennessee, Virginia and West Virginia. She also holds a 502 Direct Loan Packager Certification.

Kodi is a Berea College graduate and has a strong commitment to serving her community. Affordable housing is more than a job to her, it’s a passion. Her goal is to provide the best service to borrowers during their mortgage journey. She loves helping borrowers become successful homeowners! Kodi lives in Berea with her family and is proud to be on the JustChoice Lending team.