Ethos Lending

NMLS 363550

Katharine Vihtelic

I have 20 years experience in the mortgage industry. As a Mortgage Advisor I enjoy helping clients navigate home financing with clarity and confidence. I specialize in finding smart lending solutions—whether you’re buying, refinancing, or investing. My approach is straightforward, responsive, and focused on getting you to the closing table with the best possible outcome.

Al Acosta believes that mortgages are more than a transaction — it’s a lifelong relationship built on trust, understanding, and service. With over a decade of experience helping families navigate the mortgage process, Al takes pride in guiding clients through one of life’s biggest financial decisions with clarity and care. Known for his approachable nature and unwavering commitment to his clients, he strives to make every interaction feel personal and purposeful.

Outside of work, Al is a proud father, partner, brother, and neighbor who finds joy in being present for his kids’ school and sports events and sharing experiences with his family. He believes that strong families and strong communities go hand in hand — a philosophy that inspires the way he serves every client he meets.

Al’s clients often describe him as genuine, patient, and detail-oriented — someone who listens first, educates along the way, and celebrates each milestone together. He considers it an honor to be part of his clients’ journeys, whether it’s their first home or a refinance years down the road, and takes pride in building relationships that last long after closing day.

Mario O'Brien

Production Manager

CREATIVITY. AUTHENTICITY.  GROWTH.

As the Production Manager at Ethos Lending, Mario O’Brien brings over a decade of specialized experience in sales and production to the team. He has built a reputation for excellence, backed by over 1,200 verified 5-star reviews from clients who value his transparency, efficiency, and deep industry knowledge.

Mario excels at navigating the complexities of the lending market, serving as a trusted advisor to first-time homebuyers and seasoned investors alike. Known for his ability to thrive under pressure and adapt to any situation, he ensures a smooth, streamlined process tailored to each client’s unique financial goals. His approach is rooted in proactive problem-solving and clear, honest communication, ensuring that every borrower feels confident from application to closing.

Beyond managing production, Mario is dedicated to building lasting relationships and helping his clients achieve long-term prosperity. Whether you are looking for your first home or your next investment, Mario’s insights and commitment to service make him an invaluable partner in your homeownership journey.