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Intra-Mortgage

Leadership you can reach.

The team behind our loan officers — operations, underwriting, compliance, and sales leadership who keep every file moving with accountability and clear standards.

Our team

Leadership

The operations and compliance team behind every loan.

Dilli Adhikari

Founder of Intra-Mortgage

Dilli founded Intra-Mortgage on the belief that borrowers deserve a single point of contact who knows their file and stays accountable past closing. His focus is growth, operations, and building a team that earns long-term relationships.

Joe Heister

Senior Executive Leadership

Joe has been in the mortgage industry since 2000, with leadership roles at Paramount Residential Mortgage and Nationwide Mortgage. At Intra-Mortgage he focuses on building a company where loan officers perform at a high level and borrowers come back. He has served on the board of Our Daily Bread Cincinnati since 2016.

Biras Adhikari

Co-Founder and VP of Sales

Biras holds a degree in Electrical Engineering from Penn State and is completing a Master's in Strategic Management and Executive Leadership. His mortgage background includes sales management at American Pacific Mortgage and origination at Inlanta Mortgage. At Intra-Mortgage he leads sales strategy, recruiting, and national expansion.

Raayan Sharma

Co-Founder / Senior Executive Leadership

Raayan co-founded Intra-Mortgage and serves as Chief Strategist, leading company-wide operations with a focus on growth, efficiency, and client experience. He started as a loan officer, moved into sales and branch management at American Pacific Mortgage, then co-founded Mortgage King as COO and A1 Lending Team as CEO before launching Intra-Mortgage. He remains a licensed loan officer, which keeps him connected to what borrowers actually need and informs how the company is run day to day.

NMLS ID: 2028425

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Katie Smith

VP Operations | Licensed Loan Officer

Katie leads mortgage fulfillment, sales, and technology operations at Intra-Mortgage, with a focus on process optimization and operational excellence. She is licensed to originate in IN, OH, and FL, which means she understands the client experience from both sides of the file. She keeps the process moving without the handoffs.

NMLS ID: 1464951

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Laura Horacek

VP of Underwriting

Laura has more than 35 years in banking and mortgage across origination, branch management, and underwriting. She owned and operated her own mortgage company in Indiana for eight years before moving into underwriting full time. At Intra-Mortgage she oversees credit risk, loan quality, and secondary market compliance.

NMLS ID: 125071

Scott Low

VP, Production Manager

With more than two decades of experience in the mortgage industry since 2001, Scott has helped guide over 5,000 homebuyers through the path to homeownership. Prior to lending, he spent time as a realtor, developer, and homebuilder, giving him valuable insight into every stage of the homebuying journey. Scott's leadership includes managing a branch that has produced more than $100 million in annual mortgage volume. He is passionate about building strong teams and creating a lending experience that is efficient, supportive, and focused on delivering great outcomes for homebuyers.

NMLS ID: 277648

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Work with a licensed loan officer.

Every borrower gets one professional who knows the file — from first question to closing.

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NMLS #2620605
Equal Housing Lender
Multi-state guidance
Exact availability shown on each loan officer profile.
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