meet our Team

Our Mortgage Expert Will Be Helping You

Spencer Hickoff

Founder

Spencer Hickoff has been helping clients navigate mortgage decisions since 2011. His experience over the years makes for a smooth and easy process with extreme attention to detail. He prides himself on putting the client first and relentlessly works to find the best possible solution for every client, every time. Whether it’s purchasing your dream home or refinancing into a better financial spot, Spencer will not quit until the end result is reached. He is always available to assist with any questions or concerns about the mortgage process, he has an open-door policy! When he’s not servicing clients he enjoys hunting, fishing and spending time with his wife and two daughters Oaklyn and Ivy. 

Jacob Herzog

President

Jacob Herzog has been in the Mortgage industry since he returned home from Afghanistan with the Army in 2012. Closed thousands of loans in his career. Prides himself on being not only an expert in the mortgage industry but also being AVAILABLE to his clients, buyers, and realtors 24/7. Second oldest of 5 children and enjoys spending his free time boating or spending time with his family!

Dan Hileman

Vice President

We could not be more excited about Dan Hileman coming on board as Smooth Home Loans Vice President. In his near decade long experience as a mortgage banker he has seen just about every scenario a mortgage banker can see.  As Vice President Dan will go the extra mile to make sure our clients are receiving the absolute best pricing as well as service. Dan is a wonderful husband to his wife Cora and their two beautiful baby girls! Dan loves northern Michigan and being outside. 

Sarah Rogusky

Loan Originator

Sarah Rogusky is a dedicated Mortgage Loan Officer with a passion for helping clients achieve their homeownership dreams and brings a personalized and transparent approach to every step of the lending process. With 7 years of experience in residential lending, she specializes in matching clients with the right mortgage solutions—whether they’re first-time homebuyers, seasoned investors, or looking to refinance. 
She understands that securing a mortgage is one of the most significant financial decisions people make. That’s why she prioritizes clear communication, responsive service, and expert guidance from application to closing. Backed by a strong network and in-depth knowledge of loan products, including FHA, VA, Conventional, and Jumbo loans, she strives to make the mortgage process smooth, efficient, and stress-free. 
She’s excited to work together to turn your homeownership goals into reality! 
 In her free time, you can find her soaking up the sun and enjoying the beautiful lakes in Michigan. She enjoys spending time with her family, which includes her husband Christopher of 24 years and 3 kids Cameron, Kellen and Savannah. She loves to travel and see new places and meet new people.