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We’d Like To Introduce You To Our Family.​

Meet Our Team​

Our experienced team of mortgage experts can be trusted to help guide you through an often confusing process. We have the same goals. We want you and your family to feel secure knowing you made the right choices calculating a mortgage plan that makes it easy to enjoy your new home.

Headshot Matt Hamm

Matt Hamm

President & CEO

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Matt Hamm was born and raised in Newton, KS, and has always dreamed of owning his own company in Newton one day. That dream came true when Matt opened RailTrust Mortgage. Matt’s passion is to help clients feel like a part of the RailTrust family and work with people they can trust.

With over 20 years of lending experience in the mortgage industry, including holding almost every role throughout the mortgage process at one point or another, Matt is excited to share his knowledge and expertise with fellow Kansans. Matt graduated from Baker University in 2017 with a Bachelor’s degree in Business Administration and a minor in Finance.

As the President and CEO of RailTrust Mortgage, Matt oversees all aspects of the mortgage process and is passionate about simplifying the process and helping everyone find the right mortgage for their dream home.

When Matt is not in the office, he enjoys spending time with his family – his wife, Jen, and twin daughters, Lila and Sophie. Matt also enjoys hunting, fishing, and playing golf.

Jennifer White - Mortgage Loan Originator

Jennifer White

Mortgage Loan Originator

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Meet Jennifer, your trusted lending partner with 8 years of experience in the industry, 5 of which as a licensed professional. Jennifer’s journey in lending has taken her through various avenues, from retail lending, bank lending to brokerage, where she found her true calling.
 
With a heart set on assisting diverse clients – whether they’re first-time homebuyers, investors, or seasoned homeowners – Jennifer thrives on helping individuals meet their current financial needs.
 
Having experienced the shifts and changes that life brings firsthand, Jennifer’s upbringing in California, a stint in Texas, and settling in Newton, KS, have shaped her understanding of adaptability and the importance of finding one’s sense of belonging.
 
Jennifer is a big city woman who has discovered her love for the small-town atmosphere, where community and connection thrive.
 
Jennifer’s philosophy is rooted in the belief that family serves as the cornerstone of our existence. Whether you’re a budding family seeking a cozy abode or a multi-generational household dreaming of a shared living space, she values the significance of tailoring lending solutions to fit your family’s unique needs.
 
Her ethos centers on aligning your financial aspirations with your core values, creating a sense of equilibrium in your life. Together, Jennifer will guide you through the complexities of lending, ensuring a serene path towards achieving your dreams.
Carol Tipton — Mortgage Loan Originator

Carol Tipton

Mortgage Loan Originator

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Carol grew up on her family’s dairy farm in El Dorado, KS. Her formative years were filled with valuable lessons that bolstered her strong work ethic and taught her the importance of integrity and relationships. She received her bachelor’s degree from Kansas State University in 2005. Since then she has lived in three other states, but ultimately decided to raise her family in Kansas. She’s excited to help others make Kansas their home as well.

With a commitment to offer personalized and efficient service to every individual, Carol’s goal is to walk with you to make what can be a very stressful and confusing process much less overwhelming. She’s here to help you sift through all of the options available to find the loan product that is the very best fit for your financial needs.

Outside of work, Carol focuses on spending time with her four children. She also enjoys serving at church, honing her culinary skills, and traveling anytime she gets the chance.

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Securing your home mortgage loan with RailTrust is simple. Apply now and put our experts to work for you.

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