As a Branch Manager at HHL Group, it is my responsibility to ensure the mortgage process is a smooth and easy experience. My Team and I pride ourselves on our excellent customer service and strive to keep in constant communication with my clients, realtors and referral partners. You can count on me and my team for responsible, honest, and ethical service in every step of the process.

Branch Manager

Todd Phenneger is your Spokane Valley local lender. As a loan officer at HHL Group, Todd is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Todd at (509) 361-1237 for more information!

Todd Phenneger at Citywide (NMLS #1363370)

OR - Licensed, AZ - LO-2005462, WA - MLO-51277, ID - MLO-11046  
Tim Windhorst is a Producing Regional Manager with 29 years of mortgage experience and a passion for helping clients build lasting wealth through homeownership. Licensed in Washington, Idaho, Oregon, and Arizona, Tim specializes in VA loans and first-time homebuyer programs, with a strong focus on the Spokane, WA and Coeur d'Alene, ID markets.


Known for his clear communication, efficiency, and deep product knowledge, Tim brings a solutions-focused mindset to every transaction. His long-standing career includes thousands of closed loans and recognition as a three-time Producer of the Year. He is a Certified Mortgage Advisor (CMA) and serves as a First-Time Homebuyer Class Ambassador, using his expertise to guide clients with clarity and confidence.


Clients often say Tim makes the process feel simple and personal. He listens carefully, explains the options clearly, and tailors each strategy to fit the client's financial goals and lifestyle. Whether you're purchasing your first home, using your VA benefit, or navigating a complex scenario, Tim works to make the experience smooth and successful.


Outside of lending, Tim is an Eagle Scout, dedicated outdoorsman, husband of 21 years, and proud father of three boys. He's also a coach, mentor, and storyteller who brings heart and perspective to everything he does. With Tim, clients get more than a loan officer—they get a trusted partner committed to their long-term success.

Producing Regional Manager

Tim Windhorst is your Spokane Valley local lender. As a loan officer at HHL Group, Tim is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tim at (509) 599-3095 for more information!

Tim Windhorst at Citywide (NMLS #51277)

Helping Homebuyers in Spokane, Washington, and Surrounding Areas   As a mortgage loan officer with The HHL Group, I help first-time homebuyers, veterans, and families in Spokane, Washington, and nearby communities navigate the home loan process with confidence. My team and I focus on clear communication and personalized service, keeping you and your realtor informed every step of the way.   You can expect honest guidance, tailored loan options, and a stress-free process—whether you're buying, refinancing, or exploring VA loan benefits. If you're thinking about homeownership, I'm here to make the process easier and help you feel confident in your decisions.

Loan Officer/Customer Service Manager

Tony Byrne, a mortgage loan officer with The HHL Group, helps first-time homebuyers, veterans, and families in Spokane, Washington, and nearby areas navigate the home loan process with confidence. His team focuses on clear communication and personalized service, keeping clients and their realtors informed every step of the way. Tony provides honest guidance and tailored loan options for buying, refinancing, or exploring VA loan benefits, making home financing simple and stress-free. Take the first step—contact Tony at (509) 991-3493.

Tony Byrne at Citywide (NMLS #1016763)

WA - MLO-71298, ID - MLO-2080071298  
Brad Patshkowski is a mortgage lender in Spokane Valley with 19+ years of experience helping homebuyers and homeowners across Spokane, Spokane Valley, Liberty Lake, Mead, Otis Orchards, and North Idaho. He specializes in FHA loans, VA loans, Conventional mortgages, USDA loans, refinancing, and first-time homebuyer programs. Partnered with HHL Group, a DBA of Guaranteed Rate and Citywide Home Mortgage, Brad combines local expertise with national resources. Start anytime with a secure 24/7 online mortgage application, then work directly with Brad for clear, stress-free guidance and the right loan for your goals.

Loan Officer

Brad Patshkowski is your Spokane Valley local lender. As a loan officer the HHL Group, Brad is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Brad at (509) 230-3765 for more information!

Brad Patshkowski at Citywide (NMLS #71298)

With over 24 years of experience as a Branch Manager and Producing Loan Officer, Ty Windhorst brings unparalleled expertise to the mortgage industry. His career began as a loan officer, quickly rising to the top through his dedication and skill. Ty's educational background includes an MBA with an emphasis in Finance from the University of Tennessee, equipping him with a strong foundation for his long-term financial planning approach to mortgage lending. He is dedicated to helping clients maximize wealth through real estate, integrating mortgage lending into their holistic financial plans.    Ty's commitment to client satisfaction is evident in his ability to simplify complex mortgage terms and guide first-time homebuyers through the homebuying process. His knack for translating financial jargon into understandable language has earned him a loyal client base, with many returning for their mortgage needs year after year. Ty's pride lies not in awards but in the consistent 4.5 out of 5 ratings on customer reviews, reflecting his dedication to providing exceptional service and fostering long-lasting relationships.    Throughout his career, Ty has consistently produced over $25 million in annual production for the past 15 years, making him a top producer in his region. He listens attentively to his clients' needs and crafts tailored solutions that align with both their short-term and long-term financial goals. Ty views homeownership as a crucial component of creating generational wealth and is passionate about helping clients achieve their dreams through personalized mortgage lending strategies.    Outside of his professional life, Ty is actively involved in his church, Valley Real Life Ministries, and participates in the Mortgage Bankers Association and Spokane Mortgage Lenders Association. He also volunteers at the local food bank and Union Gospel Mission. Ty enjoys fishing for salmon, steelhead, and kokanee, and cherishes time spent with his wife, Amber, and their two teenage daughters, Rylan and Alexandra, at their cabin on Loon Lake.    Ty's dedication to his clients, combined with his extensive experience and passion for the mortgage industry, makes him a trusted partner in the journey to homeownership. His commitment to excellence and ability to deliver tailored mortgage solutions ensure that clients not only achieve their homeownership goals but also build a strong foundation for their financial future.

Ty Windhorst is your Spokane Valley local lender. As a loan officer at HHL Group, Ty is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ty at (406) 360-0594 for more information!

Ty Windhorst at Citywide (NMLS #934314)

Connie Tucker is your Dalton Gardens local lender. As a loan officer at HHL Group, Connie is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Connie at (509) 295-8653 for more information!

Connie Tucker at Citywide (NMLS #7673)

OR - Licensed, AZ - 1034140, WA - MLO-487563, ID - MLO-14190  
With 34 years of mortgage lending experience, Tracy Windhorst has built a reputation for guiding clients through every stage of homeownership with expertise, integrity, and care. Based in Spokane, WA and Queen Creek, AZ, Tracy serves clients across Spokane County, Kootenai County, Maricopa County, and beyond. He specializes in FHA, VA, conventional, first-time homebuyer programs, down payment assistance, and non-QM loan products.


Tracy's greatest passion is helping first-time homebuyers achieve the dream of homeownership and watching them grow their wealth over time through real estate. Over the years, he has proudly assisted three generations of families with their mortgage needs, earning their trust through consistent communication and personalized guidance.


As an Eagle Scout, Tracy built his business principles on the values of honesty, service, and dedication. He is a Certified Mortgage Advisor through MBS Highway and has served as President, Vice President, and Board Member for the Spokane Mortgage Lenders Association.


Tracy co-founded HHL Group with two of his brothers, creating a family-focused team that treats every client like part of the family. Whether you are purchasing your first home, upgrading to your dream home, or exploring creative financing solutions, Tracy's decades of experience and genuine commitment to client success make him a trusted partner in the lending process.

Tracy Windhorst is your Spokane Valley local lender. As a loan officer at HHL Group, Tracy is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tracy at (509) 361-1244 for more information!

Tracy Windhorst at Citywide (NMLS #487563)

Spokane Valley

<footer class="cityWide-site-footer">
    <div class="cityWide-container-fluid">
        <div class="cityWide-footer-logo-container">
            <a href="/" class="cityWide-footer-logo">
                <img 
                    src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/blt02e81737e432a3b3/663d1a061077fa25cede7454/cw_hm_no_lines.svg" height="100" width="300"
                    alt="CityWide Home Mortgage"
                >
            </a>
        </div>
        <div class="cityWide-footer-links">
            <div class="cityWide-footer-full">
                <div class="cityWide-footer-full-content" tabindex="-1">
                    <div class="cityWide-row">
                        <div class="cityWide-links-container">
                            <h2 class="cityWide-links-header">YOUR MORTGAGE</h2>
                            <div class="cityWide-menu-your-mortgage-container">
                                <ul class="cityWide-menu">
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="https://my.citywidehm.com">
                                            Sign In To Your Account
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="https://my.citywidehm.com">
                                            Pay My Mortgage
                                        </a>
                                    </li>
                                </ul>
                            </div>
                        </div>
                        <div class="cityWide-links-container">
                            <h2 class="cityWide-links-header">LOAN OPTIONS</h2>
                            <div class="cityWide-menu-loan-options-container">
                                <ul class="cityWide-menu">
                                    <li class="cityWide-main-links cityWide-menu-item">
                                        <a href="/same-day-mortgage/">
                                            Same Day Mortgage
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item">
                                        <a href="/loan-options/fha/">
                                            First Time Homebuyers
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item">
                                        <a href="/loan-options/heloc/">
                                            HELOC
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item">
                                        <a href="/loan-options/jumbo/">
                                            Jumbo
                                        </a>
                                    </li>
                                </ul>
                            </div>
                        </div>
                        <div class="cityWide-links-container">
                            <h2 class="cityWide-links-header">MORTGAGE TOOLS</h2>
                            <div class="cityWide-menu-mortgage-tools-container">
                                <ul class="cityWide-menu">
                                    <li class="cityWide-main-links cityWide-menu-item">
                                        <a href="/mortgage-calculator/">
                                            Payment Calculator
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="/articles/">
                                            Articles &amp; Advice
                                        </a>
                                    </li>
                                </ul>
                            </div>
                        </div>
                        <div class="cityWide-links-container">
                            <h2 class="cityWide-links-header">COMPANY</h2>
                            <div class="cityWide-menu-company-container">
                                <ul class="cityWide-menu">
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="/our-culture">
                                            About Us
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="https://www.citywidecareers.com/">
                                            Careers
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="/leadership">
                                            Leadership
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="/contact-us">
                                            Contact Us
                                        </a>
                                    </li>
                                </ul>
                            </div>
                        </div>
                        <div class="cityWide-links-container">
                            <h2 class="cityWide-links-header">CONNECT WITH US</h2>
                            <div class="cityWide-menu-connect-with-us-container">
                                <ul class="cityWide-menu">
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="tel:8665085515">
                                            (866) 508-5515
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="mailto:customersolutions@citywidehm.com">
                                            customersolutions @citywidehm.com
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item">
                                        <a href="/loan-officers/">
                                            Find a Loan Officer
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="/branches">
                                            Branches Near You
                                        </a>
                                    </li>
                                </ul>
                            </div>
                        </div>
                    </div>
                </div>
            </div>
  
            <div class="cityWide-container-fluid">
            <div class="cityWide-nav-row cityWide-row">
                <ul class="cityWide-menu-social-menu">
                    <li 
                        itemscope="itemscope" 
                        itemtype="https://www.schema.org/SiteNavigationElement" 
                        class="cityWide-menu-item cityWide-menu-item-type-custom"
                    >
                        <a href="https://www.instagram.com/citywidehomemortgage/" target="_blank">
                            <img 
                                alt="instagram" 
                                border="0" 
                                height="32" 
                                src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/blt33a32b7bb3275f80/6617134a1952f02e74fc2200/instagram_logo.svg" 
                            /> 
                        </a>
                    </li>
                    <li 
                        itemscope="itemscope" 
                        itemtype="https://www.schema.org/SiteNavigationElement" 
                        class="cityWide-menu-item cityWide-menu-item-type-custom"
                    >
                        <a href="https://www.linkedin.com/company/citywidehm" target="_blank">
                            <img 
                                alt="linkedin" 
                                border="0" 
                                height="32" 
                                src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/blt64d19f920d345f58/6617134192e789b8b130df0b/linkedin_logo.svg" 
                            /> 
                        </a>
                    </li>
                    <li 
                        itemscope="itemscope" 
                        itemtype="https://www.schema.org/SiteNavigationElement" 
                        class="cityWide-menu-item cityWide-menu-item-type-custom"
                    >
                        <a href="https://www.facebook.com/profile.php?id=61572535376496" target="_blank">
                            <img 
                                alt="facebook" 
                                border="0" 
                                height="32" 
                                src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/blt5f5bbacf59d6beea/66170f96470f71a1546170a8/icn-facebook.svg" 
                            /> 
                        </a>
                    </li>   
                    <li 
                        itemscope="itemscope" 
                        itemtype="https://www.schema.org/SiteNavigationElement" 
                        class="cityWide-menu-item cityWide-menu-item-type-custom"
                    >
                        <a href="https://www.youtube.com/@citywidehm" target="_blank">
                            <img 
                                alt="youtube" 
                                border="0" 
                                height="32" 
                                src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/bltbb455195b7a8698e/66171026fffe406f0c1e49a1/icn-youtube.svg" 
                            /> 
                        </a>
                    </li> 
                    <li 
                        itemscope="itemscope" 
                        itemtype="https://www.schema.org/SiteNavigationElement" 
                        class="cityWide-menu-item cityWide-menu-item-type-custom"
                    >
                        <a href="https://x.com/CitywideHM" target="_blank">
                            <img 
                                alt="X social media platform" 
                                border="0" 
                                height="32" 
                                src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/blte4892288a018e07d/661cb06112f27579edeff3bb/icn-x.svg" 
                            /> 
                        </a>
                    </li>                                                            
                </ul>
                <div class="cityWide-assoc-logo">
                    <img 
                        src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/bltfa7054fe71a8fda6/661713f3da0c3ad573f788e3/assoc-logos.png" 
                        alt="CityWide Associated Logos" 
                        style="max-height: 32px;" 
                    />
                </div>
            </div>
            </div>
    
        </div>
  
        <div class="cityWide-site-info container-fluid">
            <div class="cityWide-row">
                <div class="cityWide-site-info-disclaimer">
                    <img 
                        class="citywide-equal-housing-lender"
                        src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/blt5092f79d04c73412/66171244add0c935285e51a3/equal_housing_lender.svg" 
                        alt="Equal Housing Lender"
                    >
                    <p>Copyright © 1998 - 2025 Guaranteed Rate, Inc. D/B/A Citywide Home Mortgage. All rights reserved.</p>      
<p>For licensing information, go to: <a class="cityWide-nmls-link" href="https://www.nmlsconsumeraccess.org" target="_blank" rel="noopener">www.nmlsconsumeraccess.org</a>.</p>                    
<p>NMLS License #2611 – 9785 South Monroe St., Suite 200 Sandy, UT 84070 - (866) 508-5515</p>
                    <p>This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in New York will be accepted through this site.</p>
                    <p>Operating in the state of California as Guaranteed Rate, Inc. D/B/A Citywide Home Mortgage. If you are a California resident, please review our Privacy Policy to learn more about the categories and business purpose of personal information we may collect and your right to opt-out from the sale of personal information.</p>
                    <p>Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Citywide Home Mortgage for current rates and for more information.</p>
        
                    <ul class="cityWide-menu-legal" class="cityWide-menu">
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a 
                                href="https://privacyportal.onetrust.com/webform/168096e5-faa8-4fdd-a479-992231adbdc1/1e7a5fe9-a396-4b90-afb8-3661e92f6558"
                            >
                                DO NOT SELL MY PERSONAL INFORMATION
                            </a>
                        </li>
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a href="/licensing-information/">Licensing</a>
                        </li>
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a href="/notice-to-vendor/">Notice to Vendors</a>
                        </li>
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a href="/privacy-policy-center/">Privacy Policies</a>
                        </li>
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a href="/sms-terms/">SMS Terms</a>
                        </li>
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a href="/terms-of-use-privacy-policy/">Terms of Use</a>
                        </li>
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a href="/texas-consumers/">Texas Consumers: How to File a Complaint</a>
                        </li>
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a href="/accessibility/">Accessibility</a>
                        </li>
                    </ul>
                </div>
            </div>
        </div>
    </div>
</footer>

7 Loan Officers Spokane Valley, WA