At NSH Mortgage, we are committed to helping you find the right mortgage product for your needs.

We are a local company and are pleased to accommodate in home appointments and closings to fit your busy schedule. We operate throughout the state of Florida with over 20 years of experience.

We understand that every borrower is different. Our expert mortgage specialists offer a variety of products to meet your individual requirements.

We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

Executive Profiles

Steve Hays

Steve Hays | NSH Mortgage | Mortgage Broker In Florida | Tampa Bay

NMLS #3574

Steve has twenty plus years of diversified experience and success in mortgage origination and management, currently he is the president and founder of NSH Mortgage.  Steve is results oriented, self-motivated, and an award-winning mortgage professional with a demonstrated history of success.    He also founded Apex Lending, Inc. in 1999 and was instrumental in establishing Apex Lending as one of the top 10 Mortgage Brokers in the country.  Steve maintains an A Rating with the BBB and established positive relationships with the governing agencies throughout his tenure with Apex Lending and NSH Mortgage.

Bob Cristaldi
VP Commercial Financing


Bob Cristaldi has been active in the commercial and residential real estate and finance business for 30 years and presently is the VP of operations for the Commercial Loan Division of NSH Mortgage.  Originally from northeastern New Jersey, He moved to Florida to attend the University of Florida and remained a Florida Resident.   He strives to deliver a professional and timely finance transaction for his clientele as well as finding customized financing for your particular transaction.


Stephen Srein
Mortgage Loan Originator
321- 243-4892

NMLS # 254556

Originally from Philadelphia. Steve got his start in the finance and banking industry in 1976 when he joined American Finance / Security Pacific. In his career he has originated, processed and underwritten consumer, residential, government and private loans. As an entrepreneur, he started his own financial services and mortgage company in 1986. He got his mortgage license in Florida in 1989 and relocated to Melbourne Florida in 1991 and then began spawning and growing other financial companies and services thru 2011. He has been a qualified tax consultant, preparer and small company accountant since 1984. He earned his Florida real estate license in 2004 and has owned a small For Sale By Owner company since 1992. Steve’s dedication of putting “People First” has been paramount to his success over his career. Steve is also a military veteran formerly servicing in the U. S. Air Force. My Mission is to help my clients achieve financial success through sound fundamental principles.

Tiffany Mallory
Processing Manager

NMLS # 324196

Tiffany has more than 15 years of diversified experience in the mortgage industry, including work as a Loan Officer, Director of Operations, Processor, Title Account Executive and Wholesale Account Executive. As a Processing Manager with NSH, Tiffany understands how to build a mortgage solution perfect for each buyer’s unique needs.  She is committed to providing each customer with the highest level of service and professionalism.  Tiffany’s innovative approach to business, emphasis on working as an integrated team and high standards for customer satisfaction make the mortgage process easy for everyone involved.

Millie Rivera
Loan Processor / Translator (bi-lingual and proficient in English and Spanish, Se habla español)

Millie attended Queens College in New York and earned a degree in Business Administration.  Earned her Real Estate License in 1991 and worked for Keys Realty for several years.  Has a diversified background centering on Sales with a strong focus on customer relations.  Millie has a successful Credit Restoration Co. since 1998. Believes strongly in providing an effective, reputable and honest service to all her clients.



Scott Eric Anderson
Mortgage Loan Originator

NMLS #1026528

Scott Anderson began working in the mortgage industry in 1998 and has worked as a retail loan officer, manager and wholesale account executive. He is experienced in FHA, VA, Fannie Mae and Freddie Mac mortgages. He has specialized in FHA/VA streamline refinances and personally closed more than 500 streamline refinances over the last 13 years.

Additionally, Scott was a Regional Director at Apex Lending, overseeing loan production for over 100 Loan Officers and Mortgage Brokers throughout Florida and Texas. Scott’s focus now is working with borrowers individually to educate them on all the current government refinance programs and explaining in detail how they can benefit the majority of homeowners with government backed mortgages. Scott attended both St. Petersburg College and the University of South Florida. He is also licensed in the State of Florida as an insurance agent, holding the Life, Health & Variable Annuities (215) and the General Lines Property & Casualty (220) insurance licenses.

Tamarah A. Matrisch
Mortgage Loan Originator

Tamarah A. MatrischNMLS #320902

Tamarah Matrisch been in the banking and financial professions respectively since 2001, specializing in mortgages since 2003. Her career in residential real estate has been a diverse one. Additionally, she has been involved in many facets of the housing industry from various perspectives including Property Management, Full Promulgated Title, Residential Real Estate, and Loan Processing over the course of the past 13 years. She achieved top producer from 2003-2006 as an MLO. Her greatest attributes include her level of professionalism and keen ability to maintain a positive attitude, operate well under pressure, produce high quality results, and be a team player. She holds a Bachelor’s degree in Education Studies, Sociology minor from Ashford University; graduated Magna Cum Laude c/o 2012.

Patty Cota
Marketing Representative

When you receive a call from Patty expect to be treated professionally, warmly and realize that Patty is not wasting your time but helping you keep more of what you worked for.  Her back ground in marketing was originally with big organizations such as H&R Block, but when Patty joined NSH Mortgage it was a winning combination.