Carl joined AmeriSave Mortgage Corporation in August 2015, where he leads sales strategy and team development with a focus on ethical practices and borrower-centered solutions. He earned his BBA in Business Administration & Management from the University of Kentucky in 1999 and built his career in mortgage lending after college through a friend's connection.

Before joining AmeriSave, Carl served as Director of Sales at Discover Financial Services (2012-2015), where he developed expertise in consumer lending and sales leadership. Born in Lexington, KY and raised in Louisville since 2nd grade, Carl is an introvert by nature who became exceptional at sales through repetition and dedication. While initially money-motivated, the mortgage industry "got into his blood," and he now approaches sales with a genuine commitment to helping borrowers make informed decisions.

Based in Louisville, KY, Carl lives in a 1.5 story ranch home with his blended family-he and his wife Jacqueline Smith (an AmeriSave trainer) have one daughter together, Carl has four sons from a previous marriage, and Jacqueline has twin girls. This family-centered life informs his empathetic approach to working with clients navigating major financial decisions. Carl is a sports enthusiast who loves football and basketball, is a big nonfiction reader focusing on successful leaders and organizations, and spends every minute not at work with family. His kids play various sports including field hockey, basketball, and soccer.

Carl's content focuses on practical mortgage advice: choosing the right lender, reducing stress in homebuying, buying in high-rate environments, navigating the offer process, and avoiding real estate scams. His writing style is clear, comforting, and actionable-using bullet points, listicles, and FAQs to deliver evidence-backed tips and best practices. He frames content through real consumer questions, employs short sentences and intentional fragments, and simplifies complex concepts for clients. His tone is matter-of-fact without being overly emotional, warm and direct while avoiding fluff. As a trusted advisor, Carl provides the clear guidance borrowers need to make confident decisions, emphasizing transparent processes versus bait-and-switch tactics, and valuing doing right by the client with quick transactions and cross-sell opportunities that genuinely benefit clients.