Welcome! I’m your dedicated local Mortgage Professional with over a decade of experience in the financial industry, proudly licensed in Tennessee, Georgia, Alabama, and Florida.



Helping individuals and families achieve their homeownership dreams is truly my passion. Whether you’re buying your first home, refinancing, or investing, my goal is to make the process clear, simple, and stress-free — always grounded in honesty and integrity.


As a lifelong Tennessean, I’m proud to serve the community I call home. Outside of work, you’ll find me spending time with my wonderful husband and our two amazing kids — cheering on basketball games, supporting the band, and making memories together.

I’m also supported by an incredible Union Home Mortgage team:

Kelly Bodiford
Producing LOA Team Captain

(251) 301-8654 | ✉️ kbodiford@uhm.com

Colleen Haugh
Loan Processor

(440) 249-7070 | ✉️ chaugh@uhm.com

Samuel Spittler
Producing LOA Team Captain

Senior Mortgage Advisor & Refinance Specialist

If you’re ready to explore your homeownership or refinance options, I’d love to help you get started. Let’s make your financial goals a reality!

Serviced In-House

Union Home Mortgage services the majority of our loans, providing peace of mind with local, long-term support and personal service from start to finish.

Partnering with Shelly Winston – Your Dedicated Lender Partner

I believe in creating strong, successful partnerships that help Realtors grow their business and better serve their clients. When you partner with me, you gain a responsive, knowledgeable, and experienced lender who works as hard as you do — available days, nights, and weekends to make sure your clients are taken care of.

Expertise with First-Time Homebuyers

I specialize in working with first-time homebuyers — I’m patient, thorough, and take the time to explain the loan process step-by-step so clients feel confident and informed. I’m also available through text, phone, or email — whichever method your client prefers — to make communication easy and stress-free.

Marketing & Lead Tools

  • List Reports: A powerful co-branded marketing tool that helps agents win listings and attract more buyers.
  • Co-Branded Mobile App: Easily shared with clients — allows Realtors to:
  • Track clients from pre-approval to final approval
  • Instantly generate custom pre-approval letters up to the approved amount (or any amount below) without waiting on me.

Communication & Support

  • Monday Mortgage Insight Text: Delivered every Thursday with mortgage and market updates.
  • Weekly Marketing Update Email: Keeps Realtors informed about new products, rates, and opportunities.
  • Twice-Weekly Loan Updates: Personalized updates on active files, plus automatic milestone notifications from our system.
  • Available 24/7: I work evenings and weekends to ensure you and your clients always have the support you need.

Education & Collaboration

  • Educational Classes: I offer classes for Realtors and clients covering mortgage programs, loan products, and homebuying strategies.
  • Open House Support: I attend and co-host open houses with my Realtor partners to meet buyers and provide on-the-spot pre-approvals.

Why Partner With Me

My goal is to make the homebuying process smooth, transparent, and empowering — for both you and your clients. Together, we’ll create a seamless experience that builds trust, strengthens your business, and helps more people achieve their dream of homeownership.🤝 Partnering with Shelly Winston – Your Dedicated Lender Partner