Meet the Team

DUSTY MESHBERGER

Mortgage Area Manager | NMLS#418481

Dustin Meshberger is a Regional Manager at Luminate Bank with more than 20 years of experience in the banking and mortgage industry. Throughout his career, Dustin has overseen the origination of thousands of loans and built a strong reputation for leadership, consistency, and results.

He brings deep expertise across a wide range of financing solutions, including FHA, VA, USDA, conventional, jumbo, bridge, and portfolio lending, along with a strong background in sales, credit analysis, and team development. His approach is rooted in sound underwriting, strategic growth, and long-term relationship building.

A Southwest Florida native, Dustin is passionate about serving the communities he knows so well. Outside of work, he enjoys spending time with his wife and daughter. His favorite travel destinations include the Virgin Islands and the Rocky Mountains, where skiing is his favorite sport. When closer to home, he takes full advantage of everything Southwest Florida has to offer—especially golf and saltwater living.

CANDACE COPELAND

Mortgage Loan Originator | NMLS#617078

Candace Copeland is a passionate Mortgage Advisor with Luminate Bank, specializing in helping first-time homebuyers confidently navigate the mortgage process from start to finish. She knows that buying your first home is exciting, but it can also feel overwhelming and her mission is to replace confusion with clarity and stress with confidence.

With years of experience in the mortgage industry, Candace is known for breaking down complex loan guidelines into simple, easy-to-understand steps. She takes a hands-on, educational approach to mortgage lending, ensuring her clients fully understand their loan options, monthly payments, and buying power before making one of the biggest financial decisions of their lives.

Candace works closely with each buyer to create customized mortgage solutions, whether that means exploring first-time buyer programs, low down payment options, or long-term strategies that align with their financial goals. Her clients appreciate her honesty, responsiveness, and ability to anticipate challenges before they become roadblocks.

More than just a lender, Candace is a trusted advocate throughout the homebuying journey guiding clients through budgeting, pre-approval, offers, underwriting, and closing with confidence and care. Many of her clients come to her feeling unsure; they leave empowered, educated, and proud homeowners.

CHRIS FULTON

Mortgage Loan Originator | NMLS#1359451

Since joining the industry in 2015, Chris Fulton has been helping homebuyers and homeowners across Florida achieve their real estate dreams with personalized mortgage solutions and a client-first approach. Based in Sarasota, Chris specializes in serving communities from the Gulf Coast to the Tampa Bay area, bringing local market insight and a commitment to exceptional service.

An active leader in his community, Chris currently serves as President of the Sertoma Club of Greater Sarasota and is a proud member of the Realtors® Association of Sarasota and Manatee and the Women’s Council of Realtors – Sarasota. His dedication to service has earned him the Sertoman of the Year Award, a testament to his impact both in and out of the office.

When he’s not guiding clients through the mortgage process, you can find Chris enjoying time with his family, out on the water fishing or boating, or on the field playing and watching soccer. His personal passions and professional expertise come together to create a well-rounded, approachable, and knowledgeable partner for anyone navigating today’s real estate market.

Whether you’re buying your first home, upgrading, or refinancing, Chris is here to make the process clear, smooth, and tailored to your goals.

EDUARDO MARTINEZ

Mortgage Loan Originator | NMLS#563497

I'm Eduardo Martinez. I specialize in helping first-time homebuyers navigate the exciting and sometimes overwhelming process of purchasing their first home. As a Mortgage Loan Officer at Luminate Home Loans, I understand the unique challenges and questions that first-time buyers face. My goal is to make the mortgage process as smooth and stress-free as possible, offering clear guidance and tailored loan solutions to meet your individual needs. With years of experience in the mortgage industry, I take pride in simplifying complex concepts, so you feel confident and informed every step of the way. Whether you're exploring loan options, calculating your budget, or preparing to make an offer, I'm here to support you throughout your homebuying journey. Let’s work together to find the best mortgage solution for your new home and turn your dream of homeownership into a reality!

EVAN HANKEL

Mortgage Loan Originator | NMLS#745994

Evan Hankel is a Mortgage Loan Officer at Luminate Home Loans who specializes in helping first-time homebuyers navigate the exciting — and sometimes overwhelming — journey to homeownership.

Born and raised in North Dakota, Evan relocated to Florida in 2015, happily trading 80-below wind chills for year-round sunshine. His Midwest roots shaped his strong work ethic, integrity, and people-first approach — qualities that continue to define how he serves his clients today.

Before focusing exclusively on mortgage lending, Evan built an extensive career in retail banking, giving him a deep, well-rounded understanding of credit, financial behavior, and long-term money management. This background allows him to look beyond just loan approval and help clients understand how today’s decisions impact their broader financial picture.

Evan is known for simplifying complex mortgage concepts and making the process smooth and stress-free. Whether you’re exploring loan options, evaluating credit, calculating your budget, or preparing to make an offer, he provides clear guidance and tailored loan solutions every step of the way.

Consistently earning 5-star reviews from both clients and real estate agents, Evan is recognized for his warm spirit, positive attitude, and commitment to exceptional service. When he’s not helping clients achieve homeownership, Evan enjoys movies, music, exploring SW Florida beaches and discovering great food.

Hudson Presume

Mortgage Loan Originator | NMLS#1484463

Hudson Presume is a trusted mortgage advisor who believes buying a home shouldn’t feel confusing or overwhelming. He specializes in residential home loans, refinancing, and first-time homebuyer programs, helping clients find mortgage solutions that make sense for their real lives and long-term goals. Hudson is fluent in Haitian Creole, allowing him to better serve and communicate with a diverse range of clients.

Known for clear communication, honesty, and education, Hudson takes the time to break down the numbers, explain options in plain language, and keep clients informed every step of the way—so there are no surprises at the closing table. Whether you’re purchasing your first home, refinancing, or exploring loan programs, his goal is always the same: to make the process smooth, efficient, and stress-free.

Outside of work, Hudson enjoys spending time with his two kids, being at the beach a staying active at the gym and attending outdoor events. Family and relationships are at the core of everything he does, and that mindset carries directly into his work—serving clients with integrity, care, and a long-term approach, not just a transaction

JANET GLENDENING

Mortgage Loan Originator | NMLS#1154609

Janet has called Florida’s west coast home since 1971 and brings over 40 years of experience in the mortgage industry. Having worked as a processor, underwriter, and mortgage advisor, Janet offers a deep well-rounded understanding of the lending process from start to finish. Her decades of knowledge help guide home buyers confidently through one of the most important financial decisions of their lives.

Outdoors at the beach, boating, at the park, and listening to live music is where Janet wants to be in her free time, especially if it can be spent with her children and grandchildren.

KATIE LITRENTA

Mortgage Loan Originator | NMLS#1154609

I'm Katie Litrenta. I specialize in helping first-time homebuyers navigate the exciting and sometimes overwhelming process of purchasing their first home. As a Mortgage Loan Officer at Luminate Home Loans, I understand the unique challenges and questions that first-time buyers face. My goal is to make the mortgage process as smooth and stress-free as possible, offering clear guidance and tailored loan solutions to meet your individual needs. With years of experience in the mortgage industry, I take pride in simplifying complex concepts, so you feel confident and informed every step of the way. Whether you're exploring loan options, calculating your budget, or preparing to make an offer, I'm here to support you throughout your homebuying journey. Let’s work together to find the best mortgage solution for your new home and turn your dream of homeownership into a reality!

Lindsay Gaddis

Mortgage Loan Originator | NMLS#663950

A  Florida native with over 20 years of experience in finance and lending, Lindsay brings deep expertise and versatility to the mortgage industry. Often described as a “Swiss Army knife,” she possesses expert-level knowledge across both mortgage origination and operations, allowing her to navigate complex transactions with precision and efficiency. Her comprehensive understanding of the lending process enables her to deliver practical solutions and exceptional results for clients and partners alike.

Outside of her professional career, Lindsay is a devoted wife of 16 years and a proud mother of two young boys. In her spare time, she has a true passion for cooking and is a graduate of Le Cordon Bleu, where she received classical training in French-based culinary arts in 2008.

NICOLE ROBLES

Mortgage Loan Originator | NMLS#1131454

Nicole Robles is a dedicated mortgage professional committed to making the home-buying process clear, smooth, and stress-free. She is known for her strong communication, responsiveness, and hands-on approach, ensuring her clients feel informed and supported at every stage of the loan process.



Nicole takes pride in educating buyers, breaking down complex financing options into simple, actionable steps, and creating personalized action plans that align with each client’s goals. Whether working with first-time homebuyers, repeat buyers, or those preparing for future homeownership, she focuses on realistic guidance and long-term success, not just approvals.

Highly accessible and detail-oriented, Nicole remains consistently available to her clients and referral partners, often accommodating evenings and weekends when needed. Her professionalism, transparency, and dedication help foster trust and confidence from pre-approval through closing. Above all, her mission is to empower clients to make informed decisions and achieve sustainable homeownership with clarity and confidence.

Stephen Ackoury

Mortgage Loan Originator | NMLS#1213792

A local community leader in the Sarasota/Manatee area for over 20 years, Stephen Ackoury has served on local boards for the Lakewood Ranch Business Alliance, Mote Marine Advisory Council, Manatee County Family YMCA, and Sarasota-Manatee Area Manufacturers Association. His expertise is developed from a distinguished career in lending, real estate and construction.



Noteworthy Career Achievements/Honors:

Synovus Leaders Circle, Synovus Top Performer, Bank of America MVP/Top Performer/Dream Team, Leadership Manatee Graduate.

TAMMIE CHAMBERLAIN

Mortgage Loan Originator | NMLS#617078

Why should you choose Luminate Bank? Why should you choose me?? 

Not all banks are the same and it does matter who you choose to work with. Luminate specializes in one thing – mortgages – so that that allows us to focus all our efforts on that one thing and be really, really good at it. It allows us to be able offer more different kinds of loans to more different kinds of people. It allows us to be creative.

Why choose me? Because buying a house is usually the biggest purchase you'll ever make — kind of like committing to the world's most expensive relationship — and it deserves expert guidance. Because I’ve been a lender for the past two decades I’ve had the time to gain a solid foundation to help people through all kinds of different lending situations. 

Sometimes it is working with a first time home buyer who needs to be educated about each and every aspect of making the purchase. They need to understand what they are doing and signing and they need all their questions answered. Refinances are done for any number of reasons – divorce, death, debt consolidation, major purchase, or just getting a better interest rate and payment. Whatever the reason is I try to find a financial strategy that makes sense and solves the problem. Self-employed borrowers have a special place in my heart. Getting a loan can be hard for you! But there are now more loan solutions available for business owners than ever before, and they don’t involve tax returns. Then we have our investors where we can offer ways to make your purchases while keeping as much money as possible in your pocket and keeping that cash flow moving.

Whatever the situation is I try to be a trusted partner. I’m a local girl. I live and work here in this market and it keeps me tuned in to the current trends, neighborhood specifics, and factors that impact deals here. I answer my own phone so you will always get me. I am available to meet in person and I’m available to talk any hours that work for your schedule. With two decades of experience and real local knowledge, I cut through the noise so you get straightforward advice, no high-pressure sales pitch, and someone who's genuinely rooting for you to come out ahead. 

If you're thinking about buying, refinancing, or just have questions, let's talk. I'm here to make it easier.

MICHELE BAKER

Processing Team Lead  

JON DOGAN

Loan Processor  

Sarasota, Florida