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Ethos Lending

NMLS 984664 | DRE AZ - 1043962, CO - 100512512, CA - 01861973

Lisa Gaffikin

Your Trusted Mortgage Advisor for Life / With 12+ years in mortgage lending and 10 years as a former realtor, I bring deep industry knowledge and a client-first approach to every transaction. I’m passionate about helping people build financial success through smart, strategic mortgage planning, and I believe in living as debt-free as possible. / Known for my integrity and personalized service, I’ve earned the trust of repeat clients who see me as more than just a lender – I’m their long-term advisor.
Your Trusted Mortgage Advisor for Life / With over 12 years in mortgage lending and a decade prior as a successful realtor, I bring a wealth of experience and a client-first approach to every transaction. My mission is simple: to provide honest, strategic mortgage guidance that empowers you to build long-term financial success – ideally with as little debt as possible. / My commitment to integrity and personalized service has earned me a loyal base of repeat clients who know they can count on me for more than just great rates – they trust me for life-long guidance. Whether you’re buying your first home, refinancing, or investing, I’m here to walk you through the process with clarity, care, and expert advice. / Beyond the mortgage world, I’m a proud mom of two grown children, an active member of my community, and a big believer in giving back. I recharge by hiking, weightlifting, hitting the beach or mountains, and exploring new places whenever I can. / My guiding principle? Luke 6:31 – “Do to others as you would have them do to you.” / Let’s build something great – starting with your future in real estate.

Ethos Lending Delivers on Their
Promises

Ethos Lending Delivers on Their Promises

5.0

Over 1,234 Verified Reviews

Smooth buying process

Very helpful throughout the process. Specially for first time home owners .
The Nelson Family
Verified Reviewer
Brooklyn Park, MN (August 2023)

Great experience

Excellent communication and made the whole process very simple for a first time home buyer.
The Nelson Family
Verified Reviewer
Brooklyn Park, MN (August 2023)

Mario O'Brien

Production Manager

CREATIVITY. AUTHENTICITY.  GROWTH.

As the Production Manager at Ethos Lending, Mario O’Brien brings over a decade of specialized experience in sales and production to the team. He has built a reputation for excellence, backed by over 1,200 verified 5-star reviews from clients who value his transparency, efficiency, and deep industry knowledge.

Mario excels at navigating the complexities of the lending market, serving as a trusted advisor to first-time homebuyers and seasoned investors alike. Known for his ability to thrive under pressure and adapt to any situation, he ensures a smooth, streamlined process tailored to each client’s unique financial goals. His approach is rooted in proactive problem-solving and clear, honest communication, ensuring that every borrower feels confident from application to closing.

Beyond managing production, Mario is dedicated to building lasting relationships and helping his clients achieve long-term prosperity. Whether you are looking for your first home or your next investment, Mario’s insights and commitment to service make him an invaluable partner in your homeownership journey.