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Meet Our Staff of Professionals

Robert Carter, CEO Bob joined the mortgage industry in the late 1980s, working as a loan officer and calling on Realtors and Builders for referrals. In 1992, he and his wife Diana opened Summit Mortgage. They wanted to run a mortgage company from the loan officer’s point of view. The idea worked, and as Summit has grown, Bob and Diana haven’t lost that perspective. Besides minding the store, Bob serves actively on the board of the State Mortgage Banker Association. You may also see him on the slopes, the golf course, or at the throttle of his Harley-Davidson.     Ron Galuska, Director of Marketing Ron began his mortgage career in 1975 and has held various upper level management positions in the industry. He was  owner of his own mortgage company from 1985 to 1996. He also has extensive background in origination, underwriting, marketing and correspondent/wholesale lending. Ron heads up the Summit Joint Mortgage Partner, Bank Partner and Preferred Mortgage Partner Programs. In his spare time, you'll find Ron on the golf course.     Lance Krog, Underwriting Manager Lance has been in the mortgage business since 1985, with two years in processing and 18 as an underwriter. Since 1998, Lance has been in charge of developing and managing Summit Mortgage’s underwriting team. In addition, he has managed aspects of our branch operations. In his spare time, Lance tends his hobby farm.     Stacey Karkoc, Internal Operations Manager Stacey brings all sorts of hands-on experience to our operations. Before joining Summit Mortgage in 1997, she worked in shipping, post-closing, foreclosure processing and as a real-estate title closer. Our loan officers have learned to lean on Stacey for her grasp of technology and her results-oriented mindset. Outside of work, Stacey and her husband raise three children and an impressive garden.     Diane Henson, EVP Finance Diane has been at Summit Mortgage for 8 years and has 25 years of experience in the consumer lending industry. During her career at Summit, she has worked in the Accounting, HR, and Secondary Marketing departments. Currently she oversees the Accounting and HR departments and works closely with the branch managers on their branch profitability. When not working, she enjoys playing bridge and traveling.     Chris Gran, IT Manager Armed not just with technical know-how but a B.A. in History, Chris has been an IT pro since 1997. Since joining Summit Mortgage in 2000, he’s displayed the unique ability to make technology work for non-technical people, educating us without overwhelming us. With his solid understanding of the mortgage industry, he’s a terrific ally for our loan officers. If not at the office, you can find Chris golfing, bowling, or biking.     Larry Henson, General Counsel and Compliance Officer Larry has over 25 years experience as a corporate attorney in the financial services industry with concentrations in licensing and regulatory issues. As General Counsel and Compliance Officer since 2003, he is responsible for all regulatory, legal, licensing and quality control issues. He is a member of the American Bar Association, Minnesota State Bar Association, and the Hennepin County Bar Association. Away from work he can be found competing on the tennis courts, doing battle on a chess board, or relaxing at a card game.     Kevin Miller, Manager/New Business Development It’s Kevin’s job to cultivate business by seeking and recruiting new Affiliate Branch Managers. Before joining us in 2002, Kevin spent 21 years in the financial industry, first as a stockbroker, then as owner and operator of his own Broker/Dealer. He particularly enjoys his work because he’s seen so many prospective managers go on to achieve career goals working with Summit. After a full day, Kevin goes home to his wife of 29 years and their two children. He enjoys golf, fishing and the outdoors.