Meet the Contributors

We are proud to have some of the brightest minds in real estate and mortgage industry contribute to the Mortgage Reports on a regular basis. You can trust the information you read here is not only ultra-helpful, but accurate.

Editorial Staff

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Tim Lucas

Managing Editor

Tim Lucas spent 11 years in the mortgage industry before moving into the world of digital media. He's helped thousands of families buy and refinance real estate at banks and mortgage companies and now continues that mission through industry-leading content. Tim has been featured in national publications such as Time, U.S. News and World Report, MSN, Scotsman Guide, and more.

Contributing Writers

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Aleksandra Kadzielawski

Aleksandra is an editor, finance writer, and licensed Realtor with deep roots in the mortgage and real estate world. Based in Arizona, she brings over a decade of experience helping consumers navigate their financial journeys with confidence.

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Alex Lange

Alex Lange is the CEO of Full Beaker, a financial media and lead generation company serving the mortgage, housing, and consumer finance industries. He has over 20 years of experience in mortgage finance, real estate, and PropTech, working closely with lenders and housing platforms on market analysis and consumer behavior. Alex is a Certified Foresight Practitioner, and his writing focuses on housing affordability, retirement policy, mortgage products, and long-term household financial outcomes.

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Aly J. Yale

Aly J. Yale is a mortgage and real estate writer based in Houston who has contributed to Forbes and worked for organizations such as The Dallas Morning News, PBS, NBC, and Radio Disney.

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Craig Berry

With over 20 years in mortgage banking, Craig Berry has helped thousands achieve their homeownership goals.

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Erik J. Martin

Erik J. Martin has written on real estate, business, tech and other topics for Reader's Digest, AARP The Magazine, and The Chicago Tribune.

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Jamie Johnson

Jamie Johnson is a Kansas City-based freelance writer who writes about mortgages, refinancing, and home buying. Over the past eight years, she's written for clients like Rocket Mortgage, CBS MoneyWatch, U.S. News & World Report, Newsweek Vault, and CNN Underscored.

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Lena Borrelli

Lena Borrelli is an experienced finance writer with a deep understanding of personal finance, investing and consumer banking. Her work has been featured in top-tier publications such as Forbes, TIME, Bankrate, SmartAsset, Moneywise and Annuity.org, where she provides expert insights on financial trends, smart money management and emerging fintech solutions.

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Olivia Lange

Olivia primarily grew up in the Seattle area and later attended Washington State University (Go Cougs!). At WSU she studied Business Hospitality and English with a focus on professional writing. In her free time, she loves to spend time with family, friends, and her two cats. She also enjoys hiking, exploring new places, and trying new foods across the PNW.

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Paul Centopani

Paul Centopani is a writer and editor who started covering the lending and housing markets in 2018. Previous to joining The Mortgage Reports, he was a reporter for National Mortgage News. Paul grew up in Connecticut, graduated from Binghamton University and now lives in Chicago after a decade in New York and the D.C. area.

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Peter Warden

Peter Warden has been writing for a decade about mortgages, personal finance, credit cards, and insurance. His work has appeared across a wide range of media. He lives in a small town with his partner of 25 years.

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Rebecca Safier

Rebecca Safier is a personal finance writer with more than a decade of experience covering mortgages, home equity, and related topics. Her work has appeared in U.S. News & World Report, Yahoo Finance, Forbes Advisor, and other publications. She has her B.A. in English from Tufts, Ed.M. from Harvard, and student loan counselor certification from the National Association of Certified Credit Counselors.

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Ryan Tronier

Ryan Tronier is a financial writer and mortgage lending expert. His work is published on NBC, ABC, USATODAY, Yahoo Finance, MSN Money, and more. Ryan is the former managing editor of the finance website Sapling and the former personal finance editor at Slickdeals.

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Valencia Higuera

Valencia Higuera is a freelance writer from Chesapeake, Virginia. As a personal finance and health junkie, she enjoys all things related to budgeting, saving money, fitness, and healthy living.