(866) 367-0855 | (859) 228-2111 documents@fahe.org

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 when she joined the staff as a Mortgage Loan Closer. Laura worked her way toward the position of Mortgage Loan Processor and served in this capacity for five years. In February 2014, she was promoted to Mortgage Loan Production Manager and, in January of 2015, Laura was promoted to Vice President of Single Family Lending.

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.

One of Laura’s biggest joys of working with JustChoice Lending is that, as a non-profit, it affords her a chance to see the impact a group of people with heart can make on 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 as a teller 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 ten years ago. He has 18 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 Direct 502 Direct Loan Packager Certification. He is a licensed originator in the states of Kentucky, Tennessee, West Virginia, Indiana and Michigan.

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. Known for his motto, “If it can be done, I can do it,” David enjoys working with clients to find them the best loan product and help them meet the goal of obtaining homeownership.

Tammy Sparks – License #949398

Tammy Sparks joined JustChoice Lending in 2014 as Mortgage Loan Processor/Closer. Tammy has been a licensed Mortgage Processor and Originator in Kentucky for over four years. She has since transitioned into the role of Underwriting and Compliance Manager. She has extensive experience in underwriting and compliance, including specialized training as a correspondent lender using FHA, Conventional, and Rural Housing loans. Tammy holds a 502 Direct Loan Packager Certification and serves as backup point person in processing USDA 502 loan applications. Her other qualifications include EllieMae Certification in FHA Underwriting and MGIC Certification in Appraisals.

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.

Janel Martin – License #804306

Janel Martin joined JustChoice Lending in August 2015 as the Mortgage Loan Specialist. She recently transitioned into a new role serving as the Single Family Production Manager. Janel manages the 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 a Mortgage Lending Assistant. She now serves as Mortgage Production Specialist, handling all closing and post-closing items for JustChoice Lending’s Secondary Market loans. 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 homeownership a dream 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. Sarah and her husband live in Lincoln County with their fur baby, Daisy.

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. She serves as point of contact for all 502 Direct 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 17 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.

Linda Sabino – License #35202

Linda Sabino joined the JustChoice Lending team in May 2017. As a mortgage loan processor she supports the JCL originator and serves the JCL lending partners. Hailing from an underserved area herself, Linda has insight into lending in remote areas and a strong dedication to the Appalachian region.

Linda has 21 years of experience in the mortgage industry spanning from processing and underwriting, to origination and wholesale management. She is a local Berea College graduate sharing and bridging one of their great commitments to: “Serve the Appalachian region primarily through education and other appropriate services.” As a former educator as well, her mission is to ensure her clients have a clear understanding of the lending process, making homeownership a reality for as many families as possible.