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Meet the MTG 
Home Loans team

Behind every loan at MTG Home Loans is a team that treats your file like it matters. We combine strong mortgage knowledge with clear communication and a calm, organized process so you always know who is working on your loan and what is coming next.

Get to know the people who will help guide you from first questions to closing day.

Your MTG Home Loans team

Luke Stelzer

Luke Stelzer, AMP, CMB

President

NMLS#1456499
About Luke Stelzer
Fun Facts About Luke
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704-464-0333
Email Me
Kristina Miller

Kristina Miller

Operations Manager
NMLS#1356237
About Kristina
Fun Facts About Kristina
Email Me
Robin Byrd – Hernandez

Robin Byrd – Hernandez

Loan Officer
NMLS#2161145
About Robin Byrd
Fun Facts About Robin Byrd
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863-399-7266
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Alex Provenzano

Alex Provenzano

Loan Officer

NMLS#2031200
About Alex
Fun Facts About Alex
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919-341-4310
Email Me

Whether you are buying your first home, moving up, or refinancing, our team is here to give you clear answers, steady communication, and a smoother path to the closing table.

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About Luke Stelzer

Luke Stelzer is the founder of MTG Home Loans and has spent more than a decade helping families navigate the mortgage process with clarity and confidence. His approach is built on a simple philosophy: expert guidance, a simplified process, and delivering the best value possible for every client.

Throughout his career, Luke has helped hundreds of homebuyers and homeowners with purchases, refinances, and home equity strategies. He is known for taking the time to explain options clearly, provide honest advice, and make what can often feel like a complicated process straightforward and manageable.

Luke is also a Certified Mortgage Banker (CMB), one of the mortgage industry’s highest professional designations awarded by the Mortgage Bankers Association. The designation reflects advanced expertise in mortgage lending, ethics, regulations, and leadership which helps clients and referral partners feel confident they are working with a knowledgeable and experienced mortgage professional.

Luke founded MTG Home Loans with the goal of creating a modern mortgage experience – combining deep industry expertise with technology and a streamlined process that saves clients time, stress, and money.

Clients and referral partners appreciate Luke’s responsiveness, attention to detail, and commitment to doing what’s best for the people he serves.

Luke lives in the Charlotte area with his wife and their four children. When he’s not helping clients secure financing for their homes, he enjoys spending time with his family, traveling, exploring national parks, and exploring the city.

Fun Facts About Luke

  • Happily married to my high school sweetheart
  • Dad to four amazing kids
    Love traveling internationally and exploring U.S. national parks with my family
  • Big fan of road trips and beach vacations
  • Enjoy hiking, running, and spending time outdoors
  • Always reading or learning something new about business, leadership, or personal growth
  • Trying to see all the national parks before kids graduate high school (45 of the 63 so far!)
Luke Stelzer

Luke Stelzer

President

Apply Now
704-464-0333
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About Kristina Miller

With more than 23 years of experience in the mortgage industry, Kristina serves as Operations Manager at MTG Home Loans, helping ensure every loan moves smoothly from application to closing. She has worked in nearly every area of mortgage production – including originating, processing, underwriting, closing and post-closing – giving her a deep understanding of the entire loan process and what it takes to keep things on track for clients and partners.

In her role, Kristina oversees the operational side of each loan, helping coordinate the many moving pieces involved in a mortgage transaction. Her experience allows her to anticipate challenges, solve problems quickly, and keep the process moving efficiently so borrowers and referral partners have a smooth and well-guided experience.

Kristina lives in Raleigh, N.C. with her husband, who are both North Carolina natives with their three children. Growing up on cattle farms gave her an appreciation for a simpler, hands-on lifestyle that she still enjoys today. When she’s not helping clients through the mortgage process, you’ll likely find her making from scratch foods, crafting, and helping on the family farm.
She also loves outdoor activities at the coast with her family and rarely goes anywhere without a sweet tea close by.

With decades of experience and a genuine passion for helping people, Kristina is dedicated to making the mortgage process as smooth and stress-free as possible for every client MTG Home Loans serves.

Fun Facts About Kristina Miller

  • Hold the current record for highest selling NC State Fair Grand Champion Junior Market steer
  • Enjoy studying the French language
  • Have been in the mortgage industry over half of my life
  • Gravitate towards any activities that are educational
Kristina Miller

Kristina Miller

Operations Manager

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About Robin Byrd-Hernandez

One of my goals in life is to always stay true to my friendly Midwest roots, while always growing and learning. I spent most of my “younger years” travelling and working in interesting jobs to gain irreplaceable experiences and memories. From touring internationally performing for thousands, to getting crowds cheering wildly while working on a cruise ship I have met and made friends with people all over the world. Oh the stories I have……….. 🙂

Like with countless others 2020 saw my world flipped upside down and I found myself scrambling for a new path. Along came the mortgage industry to the rescue. As someone who was on the free school lunch plan in my childhood, to being the first college graduate in my family, getting people into homes is a greater surprise career path than I could have ever imagined. The feeling of getting a first-time homebuyer who never thought it would be possible is indescribable and the ability to help an investor continue building their portfolio knowing that they are setting up their family for generations to come is something that I can truly be proud about. I am very excited to meet you and lets make this happen!

Fun Facts About Robin Byrd-Hernandez

  • Worked in entertainment dancing and hosting with the largest entertainment company in the world for a decade
    • Spent two years doing international tours
    • Spent 10 years working in the theme parks
    • Spent 4 years working onboard the cruise lines
  • I have been to all 50 states getting to meet people from all of the US
  • Working on the cruise ships I worked alongside people from 60 different countries calling many of them friends
  • “Dog dad” to a Miniature Australian Shepherd and a Miniature Golden Retriever – they are the cutest, the end, I win!
  • Graduated Summa Cum Laude with a Bachelors Degree in Project Management
Robin Byrd – Hernandez

Robin Byrd – Hernandez

Loan Officer

Apply Now
863-399-7266
Email Me

About Alex Provenzano

With more than five years of mortgage loan origination experience, I began my career during the unprecedented market conditions of 2020. While many entered the industry during a period of exceptional growth, I was drawn to mortgage lending as a long-term career path and remained committed as market conditions evolved. As the industry became increasingly challenging, I developed the resilience, adaptability, and problem-solving skills necessary to succeed in a competitive environment. Today, I leverage that experience to guide families and first-time homebuyers through complex financing transactions, helping them achieve their homeownership goals during some of the most significant and meaningful moments of their lives

Fun Facts About Alex Provenzano

Outside of work, I enjoy staying active through weightlifting, pickup soccer, and golf—activities that help me maintain a healthy balance between competition and recreation. As a homeowner, I’ve also become well-acquainted with the never-ending world of DIY projects, where completing one task usually reveals three more waiting behind it. I’m a self-proclaimed Iceland enthusiast and am always happy to share recommendations or fun facts about the country. When I’m not on a project around the house, I enjoy tinkering with computer hardware and experimenting with 3D printing, often creating solutions to problems I didn’t know I had.

Alex Provenzano

Alex Provenzano

Loan Officer

Apply Now
919-341-4310
Email Me