Our Team
Timothy G. Baise
Founder/CEO
Born into a broken home in Detroit’s south side, Tim lived through two decades of trials that resulted in debilitating fear and anxiety that nearly killed him.
After spending 30 years, running from God, thinking He was a “crutch” that weak minded people use, God showed up and, in a moment, radically changed everything!
The experience he had with God 16 years ago, has transformed his life forever, completely healed of fear, doubt, stress, that gut wrenching, almost crippling anxiety and an enlarged erratic heart. Tim has been driven by the Glory of God he encountered and longs to experience again.
As a student of the Word, Tim has graduated from two major Bible Colleges and continues to dig deeper daily. By instilling biblically based core values both personally and professionally, Timothy continues to initiate movements of fellowship and goodwill that have spilled over into every area of life.
As a dedicated husband, daddy, grand-daddy, and businessman he is setting a standard of teaching by example and living in The Word. His life is a classic, rags to riches story, that has inspired so many. Timothy’s continued perseverance in honoring scripture, has led to the recognition of not one, not two, but three of his companies to be named by Inc Magazine as one of the fastest growing privately held companies in America.
This includes nine-time Inc. 5000 Hall of Fame Honoree Top Flite Financial, two-time qualifier Three T’s Properties and one time qualifier All in One Remodeling. His God given vision has progressively materialized into the reality of spiritual and professional accomplishments against many odds. Tim oversees the daily operations of several multi-million-dollar corporations, diligently helps so many in need, while relentlessly pursuing biblical truth.
Matt Cornett
Chief Operating Officer
Matt Cornett is the Chief Operating Officer of Top Flite Home Loans, bringing over 25 years of experience in the mortgage industry. Since stepping into the field in 1997, Matt has demonstrated a deep passion for helping individuals and families achieve homeownership. Over the past 17 years with Top Flite, he has held several leadership roles, making lasting contributions to the company's growth and operational success.
Matt's career has been defined by his ability to lead high-performing teams, streamline processes, and drive results through a combination of strategic thinking and hands-on management. His leadership style focuses on collaboration, accountability, and innovation, which has consistently empowered his teams to exceed expectations and deliver exceptional service to clients.
As COO, Matt oversees day-to-day operations and long-term strategic planning, ensuring the company maintains its high standards of integrity, customer service, and performance. He is a strong advocate for building a culture where employees are supported, inspired, and equipped to thrive. His in-depth knowledge of the mortgage lending landscape and commitment to continuous improvement have made him an invaluable asset to the organization.
Matt is also known for his strong communication skills and ability to adapt in an ever-evolving market. He takes pride in building trust—not only with clients and partners but within the internal team—fostering a sense of unity and shared purpose across all levels of the company.
Through every chapter of his career, Matt remains dedicated to helping people navigate one of life’s biggest financial decisions with confidence and clarity.
Kevin R. Smith
Chief Information Officer
Kevin R. Smith is a seasoned technology executive with a strong record of driving enterprise growth, leading digital transformations, and building resilient, secure infrastructures. At Acrisure, he led large-scale technology integration efforts, unifying systems across hundreds of acquisitions and building a scalable enterprise platform. He later joined Highstreet Insurance Partners, where he developed a technology foundation to support the organization's rapid expansion, implementing modern cloud and data strategies.
As Managing Director at Arete, Kevin built and led a post-incident remediation division, helping organizations recover from cyberattacks and harden their cybersecurity postures. He then served as CIO for the 16th largest credit union in the U.S., where he spearheaded cloud migrations, AI-driven security enhancements, and operational restructuring to improve agility and cross-functional collaboration.
Currently, as CIO at Top Flite Financial, Kevin is leading yet another significant technology transformation, streamlining cloud platforms, strengthening cybersecurity, and developing an information-driven platform for advanced data modeling and analytics to support the company's growth. Kevin holds a BBA in Computer Information Systems and is recognized for his forward-thinking leadership, business alignment expertise, and commitment to building secure, scalable technology solutions.
Rich Passanante
Director of Retail Operations
Rich Passanante is a results-driven mortgage executive with 20+ years of experience leading retail lending operations, credit risk management, and process optimization across high-volume environments. Known for building scalable systems and executing growth strategies with measurable ROI, Rich has overseen platforms producing over $2.5 billion annually in funded volume and managed teams exceeding 250 employees.
He has led end-to-end operational restructures to support origination growth, improved loan cycle times by 20–30%, and implemented compliance strategies that reduced financial exposure by over $900K annually. Rich has also launched high-impact onboarding programs, successfully integrating 120+ loan officers in under 6 months to accelerate market expansion.
A specialist in modernizing lending infrastructure, Rich has driven enterprise adoption of platforms including LOS, POS, CRM, and AI-powered support tools, resulting in improved customer satisfaction scores and faster decisioning across origination and underwriting pipelines.
With deep experience across FHA, VA, USDA, conventional, jumbo, and non- agency/non-QM products, Rich maintains FHA DE and VA SAR credentials, along with a multi-state NMLS license (#331103). He holds a B.A. from the University of South Florida and is regarded as a disciplined, metrics-focused leader who aligns operational execution with investor outcomes.
Michelle Carie
Secondary Marketing Manager
Michelle Carrie is a highly accomplished Secondary Marketing Manager with over 30 years of experience in the mortgage banking industry. A proud United States veteran, Michelle has dedicated her career to bringing leadership, strategic insight, and operational excellence to the secondary marketing and capital markets space.
For the past 19 years, she has been an integral part of Top Flite Home Loans, where she oversees all facets of secondary market operations. As an experienced hedging professional, Michelle expertly manages pipeline risk, daily mark-to-market valuations, pricing strategies, and execution across a variety of delivery methods including mandatory deliveries, forward commitments, and bulk loan sales. She plays a critical role in optimizing the company's secondary execution, enhancing profitability, and strengthening market competitiveness.
Michelle also oversees servicing and pooling strategies, ensuring that Top Flite’s servicing portfolio growth aligns with corporate objectives and market conditions. Her expertise in managing loan pooling, asset sales, securitizations, and investor relations has helped Top Flite Home Loans maintain its reputation as a trusted leader in the mortgage lending space. Michelle’s strong knowledge of regulatory compliance, product development, and market analytics consistently drives organizational success.
Michelle holds a Master’s Degree in Administration, combining her academic background with hands-on industry expertise to lead cross-functional teams, innovate processes, and deliver strategic business results.
Outside of her professional achievements, Michelle has been happily married for 31 years. She and her husband are proud parents to three children and doting grandparents to 13 grandchildren. Michelle’s commitment to family, integrity, and service continues to inspire those around her—both professionally and personally.
Brenda Cox-Nelson
Director of Credit
Brenda brings over 30 years of expertise in mortgage underwriting, credit decisioning, and risk management. Known for her sharp analytical skills and strong leadership, Brenda has built a reputation for balancing sound credit judgment with genuine care for the people and communities she serves.
Her journey began right out of college, starting as an entry-level underwriter with no prior experience. Since then, mortgage lending has become more than just a profession—it’s part of her identity. Brenda has worked across a range of institutions, from large-scale mortgage corporations to smaller, local lenders. For the past 15 years, she has proudly called Top Flite Home Loans her home.
At Top Flite, Brenda isn’t just helping families secure homeownership—she’s also helping change lives. A portion of every loan closed contributes to providing safe shelter for families experiencing housing insecurity. It’s a mission Brenda stands firmly behind.
She is widely respected for her strengths in relationship-building, team leadership, credit and appraisal analysis, risk assessment, and conflict resolution. Through her decades of service, Brenda continues to lead with excellence, integrity, and heart.
Lorlynne Ball
Vice President of Retail Sales
With over 37 years of experience in the mortgage industry, Loralynne Ball is a nationally respected leader in loan officer development, strategic growth, and partnership innovation. As the Vice President of Strategic Partnerships at Top Flite Financial, she is responsible for expanding the company’s presence through high-impact recruiting, relationship-building, and business development strategies.
Loralynne’s career has been defined by her ability to foster dynamic, long-term alliances with real estate professionals, brokerages, and loan officers alike. She brings a rare combination of tactical expertise and personal passion to every initiative—whether scaling national sales teams, launching dual-licensing programs, or developing joint ventures with real estate partners.
A passionate business coach at heart, Loralynne has coached and mentored countless loan officers to six-figure-plus incomes, helping them not only grow their production but also build scalable, high-performing teams. One of her greatest strengths lies in her ability to coach originators into becoming business owners, guiding them to structure operations, lead others, and grow sustainable mortgage practices.
Loralynne is also highly regarded in real estate communities across the country, known for her collaborative spirit, deep industry knowledge, and unwavering commitment to helping agents and brokerages succeed. Her ability to align the goals of mortgage and real estate professionals has earned her trust and respect nationwide.
Prior to joining Top Flite Financial, Loralynne held senior leadership roles at some of the industry’s most influential organizations, including leading retail sales at Keller Mortgage and driving national partnerships for Keller Williams and Century 21. Her legacy is one of elevating teams, energizing partnerships, and always delivering results with purpose and integrity.
She believes that strategic collaboration and investing in people are the cornerstones of long- term success in today’s evolving mortgage landscape.
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