Meet the Team

Michelle has always had an interest in the finance and lending field. Born and raised in central Missouri, she has lived here her whole life. Michelle graduated from the University of Missouri-Columbia with a BS degree in Personal Finance and also graduated from the Leadership Columbia program, which provided an in depth education about the city and local businesses. She married her high school sweetheart, Karl, and they will have been married for 25 years this December. In May of 2000, Michelle and Karl purchased land and built their forever home in Hallsville. Both of their children graduated from Hallsville Public Schools. Kammeron went on to be a heavy equipment driver and Bailey is currently attending Central Methodist University. The Wests enjoy growing their own vegetables and spending time with family and friends. Michelle began working at Mid America Mortgage, Inc, NMLS #1142067 as a receptionist her senior year of high school and moved into loan processing after a year. She worked there until she graduated from college, moving on to work in the banking and title insurance field, but eventually returned to Mid America Mortgage, Inc, NMLS #1142067.

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Heidi grew up on the family farm just south of Moberly in Randolph County. She moved to Columbia in August of 2003 to attend the University of Missouri and started working at Mid America Mortgage, Inc, NMLS #1142067 in June of that year as the receptionist. In December of 2005, Heidi graduated from the University with a degree in Personal Finance. At that time, she transitioned into a loan processor and held that position for 12 years before becoming a licensed loan officer. In May of 2015, Heidi married the man who taught her how to hunt and catfish on the Big Olé Missouri River, Jeff. They’ve made their home in Hartsburg where they are raising their little family consisting of one beloved Labrador Retriever Timber and their newest addition, little Miss Opal. Heidi enjoys spending time with family and friends, whether it be antiquing with her mom, seeing a show at the Lyceum in Arrowrock, or just barbecuing in the backyard.

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On June 1, 1984, Jeanie was there with Ralph when Mid America Mortgage, Inc, NMLS #1142067 first opened its doors. Thirty-three years later, Jeanie is now helping make loans to the children of some of her early borrowers. Jeanie has assisted in making many special memories by helping people realize their dreams of owning a home. Growing up in Moberly, Jeanie always wanted to be a teacher. She graduated from the University of Missouri with a degree in Elementary Education, and today, she feels that she is still teaching, by educating her borrowers about the importance of good credit, owning a home, and helping them get the best loan for their needs. When not working at Mid America Mortgage, Inc, NMLS #1142067, you can find Jeanie volunteering and selling souvenirs for Special Olympics, or even competing with her daughter as a Unified Partner. Jeanie has also been a member of the Special Olympics Missouri Board of Directors since 2006.

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Ralph attended grade school and high school in Edina, Missouri and graduated with a B.S in Agriculture from MU 1969. He began working at Farm and Home Savings in 1968, served in the US Army Reserve from 1970 to 1976, worked at First National Bank from 1971-1984, then started Mid America Mortgage, Inc, NMLS #1142067 in 1984. Ralph is also a graduate of National School of Real Estate Finances at Ohio State University. His current hobbies include shooting, hunting, skiing, and fishing. He was also a past member of the following organizations: the Governors advisory council on agriculture from 1976-1980, MO residential Mortgage Board under Governor Carnaham, and is a past president of Boone County Farm Bureau.

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Scott W. Smith hails from Maysville, a small farm community located in rural northwest Missouri. Go Wolverines! Scott grew up farming with his dad and uncles, raising row crops, cattle and hogs. Scott still owns the family farm and rents out the crop land. He attended Mizzou and completed a degree in Finance and Real Estate. Scott started in banking and real estate financing in 1994, and really hasn’t considered doing anything else since. He enjoys working with a diverse group of borrowers and financing residential properties at all price points and is known to exhibit empathy, flexibility and creativity when unique financing challenges present themselves. The robust resources and shared culture offered by Mid America Mortgage, Inc, NMLS #1142067 allow Scott to fully leverage his wealth of experience to ensure an optimal borrower experience. Scott has been married to Ashlee for 20+ years, who is Director of Development for Ronald McDonald House Charities. She previously coordinated events for MU Advancement. Son Kellen is a junior at Rock Bridge High School. He shoots shotgun competitively and is exploring a career in engineering. The household is completed by two elderly lab mixes, Sadie and Boone.

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