“I do a lot of work with Veterans and find
that a lot of times they aren’t aware of all
the benefits available to them, from down
payment assistance, and full use of seller
concessions, to special rules on property
taxes. I would invite them to call The
Mortgage Lady to make sure their money is
being protected and spent wisely!”
was born in the Vehicle City. Her parents
met in church and married right out of
high school. She was 14 when she met
her boyfriend… and her first marriage was
also out of high school. She took classes at
Baker and at Mott and worked in various
office jobs, until a phone desk job at a
ReMax agency brought her to real estate.
“Hard work, dedication and a passion to
help others is how I have gotten where I
am,” Dione said. “I was raised in a home
with hardworking parents who always
encouraged me to do whatever I set my
mind to, and never to settle for anything
less than what I deserve. I’ve had trials and
tribulations like we all have, but I knew I
wanted something different and something
better for myself and my son.”’
Curiosity about a sales person who
frequently left the real estate office with
gifts in her arms—performance bonuses—
led to conversations. When the sales lady
started her own mortgage company, she
remembered the magnetic enthusiasm of
Dione, and hired her to work, at first, part-time.
She soon graduated to Loan Officer,
and was the company’s Rookie of the Year.
This was 2003.
“The market was extremely saturated
when I made the decision to become
a loan officer. There was a great deal
of competition,” Dione recalls, “and
nonconforming loans were the in thing.
However, I was encouraged to go after the
government and conventional business
by my mentors. I was trained to seek out
referrals from real estate offices and other
sources that would outlive any refinance
boom and the nonconforming market.”
No surprise, but Dione moved up, and
moved on, to other mortgage companies
and broker positions in the area. In 2008,
an appraiser friend recommended Ross
Mortgage as the top of the line in her
game. She worked in Ross’s Grand Blanc
office, until 2016 when she became the
Miller Rd., Flint Branch Manager… and
most stories like Dione’s will say, at this
point, “the rest is history”… but she made
history and is still making history.
For instance, at the comparatively early
point in her career at Ross Mortgage, she
“The Mortgage Lady”
Sr. Loan Officer/Branch Manager
NMLS # 169474
garnered awards and recognition. She rose
to become a top-producing loan officer in
the entire company. Dione disagrees with
claims that Flint and Genesee County is a
depressed market, as she consistently goes
toe to toe with her Oakland counterparts
for most units sold per month.
Among her awards are Ross’ “President’s
Club”/Platinum Lender (three years in
a row). The “bonuses” she once saw an
agent carry to her car years ago have been
replaced, in Dione’s case these days, by
incentive awards like a trip to Aruba.
Ross Mortgage, which is an exclusive
residential lender, has offices throughout
Michigan, headquartered in Troy, but
also has a network of offices in Ohio,
Kentucky, Indiana, Maryland, Delaware and
Florida. Founded in 1949, the company
has underwriting authority and retains
control over entire real estate transactions,
assuring competitive rates, quality service
and fast responses.
Dione’s team in the Miller Road office in
Flint Township is five people at the current
time: Cindy Langston, Ericka Rudolph,
Judith Parsons, Lisa Ragsdale and Donna
Creason who is a senior loan officer as
well. There are plans to enlarge both the
office and the staff as business increases,
and to provide work stations for borrowers
who need help going online and getting
documents from their banks and employers.
The increases are numbers that Dione
knows by heart, and reflect the housing
shortages and construction books in the
local residence market. “There is a lot of
overbidding,” Dione says, evidence of
a tight market. “MSHDA – the Michigan
State Housing Development Authority—
has helped home buyers with aspects
like down-payment assistance, virtual
silent second mortgages, and, ultimately,
minimal out-of-pocket starting figures.”
And that is only one option for home
buyers to consider.
If that all sounds dicey, remember that
home mortgages were traditionally
minefields for years…but somehow Dione
Oliver knows and explains every step.
Beyond explanations to clients and
borrowers, Dione is generous with advice
for people who behold her rise in her
chosen business, and what they should do
to succeed as she has.
“Protect your name and reputation, as well
as Ross Mortgage’s, in everything you do.
Do your due diligence with pre-approvals...
dot the i’s and cross the t’s. If you say you’re
going to do something, do your absolute
best to do exactly what you promised.
Never tell someone what they want to hear.
If you don’t know the answer, admit it and
let the customer know you’ll get back to
them with an answer as fast as you can.
“That’s how you earn the
trust of customers, real
estate offices and other
Dione Oliver is passing on
life principles and helping
borrowers find success
along the roads to homes
that she is happy to enable
them to find.