Author - Scotsman Guide

Ben Lalez

Ben Lalez is president of the Ben Lalez Team with Compass, a licensed real estate broker with a principal office in Chicago. Lalez started his real estate career flipping houses in Chicago’s up-and-coming West Side neighborhoods in 2010. He has since taken his construction background and leveraged it to help people with all real estate needs. Now he leads one of the biggest real estate teams in Chicago, with more than 25 agents and 300-plus transactions in 2022 alone. Reach Lalez at (312) 789-4054.

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Michael Sarracini

Michael Sarracini is CEO of Keyspire and chairman of The Sarracini Group. He focuses on adding value to people through personal development and education, and in adding value to land through strategic partnerships and development. His team has trained thousands of real estate investors, helping them to generate millions of dollars in net worth. As an entrepreneur, he has won multiple awards for business growth, sales revenue and employee satisfaction. Reach Sarracini at (888) 556-2244.

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Miki Adams

Miki Adams is the president of CBC Mortgage Agency, a nationally chartered housing finance agency and a leading source of downpayment assistance for first-time homebuyers. She joined the Cedar City, Utah-based company in November 2016 as executive vice president and was promoted to president in January 2021. She has 30 years of mortgage lending experience and has managed companies through calm and tumultuous markets. Her background includes credit and collateral underwriting, secondary marketing and portfolio asset management, regulatory compliance, and regulatory audit and examination management.

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Ed Adams

Ed Adams is senior vice president of retail at Mountain West Financial Inc. He brings 33 years of retail mortgage lending experience to his position. During his extensive career in mortgage banking, Adams has managed a wide variety of production and support functions — including sales, training, appraisals and underwriting — for well-known financial institutions. In his current role, Adams directs the company’s retail mortgage lending efforts across its existing footprint and expands it into new areas of opportunity.

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Laura Adams

Laura Adams is the senior real estate analyst at Aceable, a digital education platform that exists to provide unparalleled and accredited training and tools. For more than a decade, Aceable has been replacing tired formats with delightful and convenient licensing courses, empowering people to build the life they want through innovative real estate education. Adams is an award-winning financial author, podcaster and spokesperson, as well as a frequent media source who’s been featured on major news outlets. Reach Adams at laura@lauradadams.com or (302) 364-0308.

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Erin Addesso

Erin Addesso, CEO and founder of Triple Threat Success Coaching and Marketing, is a speaker, coach and consultant with the mortgage industry and their real estate partners. She helps companies develop powerful relationships and presence, resulting in more closings, referrals and profits while allowing more time to enjoy life.

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Scott Agnew

Scott Agnew is operating principal at Keller Williams Realty. He has dedicated his life to helping leaders discover their greatest inner potential. He’s an author of the newly released book, “Long-Term Leader,” and his passion is to leverage personal leadership dynamics to make a positive impact on the people around him. The owner of multiple businesses, including several Keller Williams locations, Agnew consistently ranks among the top 500 real estate brokers in the U.S. as verified by RealTrends.

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Delfino Aguilar

Delfino Aguilar serves as chief production officer — third-party originations at Kind Lending. With a remarkable career spanning over two decades, Aguilar has established himself as a true leader, driving growth and enhancing customer retention. Aguilar’s commitment to excellence is evident in his track record of consistently exceeding sales targets and fostering strong client relationships. He possesses a unique ability to inspire and motivate his team, cultivating a culture of collaboration and high performance.

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Jim Albertelli

Jim Albertelli is the CEO of Voxtur, a technology company that is creating a more transparent and accessible real estate lending ecosystem. Albertelli is redefining standards across the lending lifecycle by using targeted data analytics to simplify tax solutions, property valuations and settlement services for investors, lenders, government agencies and servicers.

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Jesse Allen

Jesse Allen is the executive vice president of alternative distribution at AAG. In this role, Allen is accountable for vision, strategy and execution for the company’s national field sales and wholesale mortgage originations business. Allen has 30 years of experience in financial services across mortgage, consumer and business banking. He earned his bachelor’s degree in business administration from Pace University in New York, graduating summa cum laude.

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Ben Allison

Ben Allison is finance officer at Incenter, a family of companies that create and deploy innovative solutions for optimizing business performance in the mortgage and specialty-finance industries. He also is chief financial officer of Boston National Title Agency, an Incenter company. He has 20 years of experience in finance and accounting, and he holds a master’s in business administration from Queens University of Charlotte in North Carolina.

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Al Alper

Al Alper is CEO of Absolute Logic, Inc. (www.absolutelogic.com) and CyberGuard360 (www.cyberguard360.com). Since 1991, Absolute Logic has been providing Fortune 500-style technical support, security services and technology consulting to businesses of up to 250 employees within Connecticut and New York.

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Ben Anderson

Ben Anderson is the owner of Ben Anderson 365. He is a top U.S. loan officer, mortgage coach and keynote speaker. He’s also the author of “HomeownerNow: The 7 True Steps to Home Ownership” and the host of a podcast, “The Hustle,” which includes a series of inspirational stories with celebrities, entrepreneurs, athletes and industry-leading professionals. He also talks about his rise from poverty to his place in today’s mortgage industry

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Jim Anderson

Jim Anderson is senior vice president and chief marketing officer at Certainty Home Loans, an independent mortgage banker that delivers a confident closing, with the terms agreed upon, and the timing promised. With 20 years of experience leading marketing teams at Certainty Home Loans, CNN, Accenture and The Weather Channel, Anderson brings innovative, business-building, marketing strategies to the mortgage industry. Anderson has a master’s degree from the University of Kentucky and bachelor’s degree from Seton Hall University.

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Nasser Ansari

Nasser Ansari is director of product management for Wolters Kluwer Lien Solutions, where he is responsible for core products and platform strategy for the business’s UCC solutions. Ansari has extensive experience in technology- and product-management roles in the enterprise-software industry. He holds a master’s degree in electrical and computer engineering from Ohio University, and a master’s in business administration from the Kellogg School of Management at Northwestern University.

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Paul Anselmo

Paul Anselmo is the CEO and founder of Evolve Mortgage Services, a top provider of outsourced mortgage solutions. He has more than 30 years of experience in the banking and mortgage industries. Previously he served as president, CEO and founder of Mortgage Resource Network (MRN), a business-process outsourcer and technology provider to the mortgage industry. In 2019, Anselmo was honored as a “Lending Luminary” by the Progress in Lending Association.

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Leo Anzoleaga

Leo Anzoleaga is a certified mortgage planning specialist and senior vice president of residential lending at Neo Home Loans. Over the past two decades, Anzoleaga has built his successful mortgage business through relationships, strategy, and execution. The Leo Anzoleaga Group is known for its exceptional customer service to clients and referral partners, in-depth cost analysis, and a commitment to follow through and follow up on every transaction. Anzoleaga is also a Forbes Finance Council contributor and the founder of the How2Collective.

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Rick Arvielo

Rick Arvielo is CEO and co-founder of New American Funding, the largest privately owned and Latina-owned mortgage company in the nation. Arvielo began his career learning successful business and marketing strategies, setting the foundation for an invaluable skill set when he and his wife, Patty, founded New American Funding in 2003. Over the past 20 years, New American Funding has grown into one of the top 20 mortgage companies in the U.S.

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Ara Aslanian

Ara Aslanian is a founding partner and CEO of reevert, a software-as a service startup that provides data-backup and disaster-recovery services, and Inverselogic, a technology consulting and management company. He has more than 20 years of experience in enterprise information-technology systems and cybersecurity. Aslanian completed training in cybersecurity risk management at Harvard University. He is a member of the advisory board at LA Cyber Lab and is on the leadership council of Secure the Village, both of which monitor and counter emerging online threats.

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Ann Atkinson

Ann Atkinson is a managing director specializing in small- balance loans and market real estate production for Sabal Capital Partners LLC, a wholly owned subsidiary of Regions Bank. Atkinson oversees production across the nationwide lender’s Freddie Mac and Fannie Mae loan programs.

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Jason Aubrey

Jason M. Aubrey is a principal at PlattPointe Capital in Denver. PlattPointe is a nationwide commercial lending intermediary that seeks to meet the lending needs of its clients when more traditional bank products fall short. PlattPointe offers alternative-capital solutions for funding all types of commercial real estate projects and small-business, asset-based lending needs.

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Greg Austin

Greg Austin is executive vice president of mortgage lending for Carrington Mortgage Services. In this role, he is responsible for overseeing all aspects of Carrington’s mortgage lending businesses, including the retail, wholesale and correspondent channels. Austin has more than 30 years of experience in the mortgage banking industry and started in the business as a loan officer. Accustomed to hard work and determination, Austin’s career includes senior leadership positions in both operations oversight and sales. Prior to joining Carrington in February 2018, Austin held a similar position at Impac Mortgage, as well as past sales-leadership positions at Lehman Brothers and Credit Suisse. Reach Austin at (949) 517-5280.

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Debora Aydelotte

Debora Aydelotte is the Denver-based chief operating officer for Promontory MortgagePath LLC. An established industry executive with 20-plus years of experience in business-performance leadership, mergers and acquisitions, business technology, risk management and strategic planning, her diversity and inclusion work both professionally and in her community has enhanced her leadership style and effectiveness. During her career, she has worked in startup and fintech development, and has taken industry companies to the next level.

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Dan Bailey

Dan Bailey is senior vice president of WFG Lender Services and WFG Enterprise Solutions. Bailey has nearly 20 years of experience in the title insurance industry, where he began his career as a compliance officer for a national title insurance company. He joined WFG in 2013, where he oversees operations for the lender services division, heads the enterprise solutions sales team and leads strategic direction for both organizations.

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George Baker

George Baker is founder and CEO of Talk’uments, which provides interactive, multilingual, multimedia loan disclosure technology. Baker has more than 30 years of experience in all facets of mortgage lending, especially loan production. He developed Talk’uments in 2016 to meet an emerging need for lenders to address compliance costs as well as to help them better serve rapidly changing client demographics. Learn more at talkuments.com.

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Richard Bales

Richard F. Bales is a senior underwriting consultant and counsel for Proper Title LLC, Illinois’ second-largest title-insurance agency that serves the residential and commercial real estate industries. Bales has been a guest lecturer and has written numerous articles on all aspects of title insurance.

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Jean Ballard

Jean Ballard is a senior manager at Actualize Consulting, working in the mortgage and fixed-income practice. She earned a bachelor’s degree in finance and marketing from the University of Virginia, an MBA in finance from George Mason University and a master’s in project management from George Washington University. Ballard started at Actualize more than 10 years ago and has spearheaded the consultancy’s affordable housing effort since its inception.

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Itay Banayan

is the vice president of real estate at Mindspace. He is a real estate finance professional with a great passion for new technology and innovation. He has experience in investment banking, real estate mergers and acquisitions, asset-level and corporate-level financial strategy, real estate finance, lease negotiations of large commercial spaces, strategic planning and strategic corporate communication. Banayan has an MBA degree from the NYU Stern School of Business.

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Alok Bansal

Alok Bansal is managing director of Visionet Systems Inc., and has more than 23 years of experience in managing strategy and global business process management operations. He excels in optimizing and leading growth of financial services companies that are looking to take their mortgage operations to the next level. He has been instrumental in leading large-scale technology initiatives and implementing scalable outsourcing services.

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Kunya Baramy

Kunya Baramy is senior vice president and head of cloud services at Visionet Systems Inc., a premier digital technology company built on the premise of disruptive innovation. Baramy is a versatile technology leader who blends technical and financial expertise with strong experience in building cloud-services business. He currently heads the cloud business for Visionet and is responsible for the company’s Build, Grow and Deliver initiative.

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Rob Barber

Rob Barber is CEO of Attom, curator of the nation’s premier property database. After joining the company in 2015, Barber spearheaded the creation of the Attom Data Warehouse. A 25-year veteran in the real estate information-services industry, Barber directs the ongoing product innovation that leverages the company’s data warehouse and data-delivery platforms, which fuel real estate transparency.

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Derrick Barker

Derrick Barker is CEO of Nectar, which provides financing to professional real estate investors with low-leveraged, cash-flowing assets. He and his wife, Brittany Mosely, co-founded the company. Barker started building his real estate portfolio in 2010 as a senior at Harvard University. He transitioned into buying multifamily properties while working as a bond trader at Goldman Sachs. Barker and Mosely launched Nectar to provide mezzanine-level financing in real estate portfolios in a variety of asset classes.

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Garry Barnes

Garry Barnes is managing director of PW Partners Consultancy, headquartered in Salt Lake City, and is a freelance writer. He is a former president and CEO of banks in Arizona, California and Utah. He has taught at the university level, and is a frequent writer and lecturer on banking, finance and real estate matters. Barnes has served on the U.S. Small Business Administration’s National Advisory Council and received the SBA Arizona Financial Services Advocate of the Year award.

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Tyler Barron

Tyler Barron is the chief revenue officer at Encapture, an intelligent automation platform providing banks with documentation efficiency. Using machine learning and AI technology, Encapture helps banks reduce compliance risks associated with fair lending guidelines, reduce overhead costs and improve profitability in a volatile market.

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Fabio Baum

Fabio Baum is managing director and senior underwriter at Parkview Financial, a direct private lender specializing in ground-up commercial and residential real estate financing. Baum focuses on underwriting, asset management and business development. He has expertise in equity investment, development, senior and mezzanine debt originations, dispositions and workouts.

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John Beacham

John Beacham is CEO and founder of Toorak Capital Partners, a leading correspondent lender dedicated to purchasing small-balance business-purpose residential, multifamily, mixed-use and residential bridge loans throughout the U.S. and the United Kingdom. Headquartered in Summit, New Jersey, Toorak acquires loans from leading originators and manages all aspects of the investment portfolio, including loan sourcing, pricing, underwriting, acquisition and asset management.

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Rick Bechtel

Rick Bechtel is executive vice president and head of U.S. residential lending for TD Bank. He is accountable for all aspects of consumer lending across TD’s mortgage and home equity businesses. This includes strategy, product and profit-and-loss management, as well as leading the bank’s national sales team and secondary-markets groups. He has been immersed in the industry for nearly 30 years and is focused on growing TD’s residential lending business while ensuring alignment to the bank’s risk profile and continuous focus on clients.

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Gary Bechtel

Gary Bechtel serves as CEO of Michigan-based Red Oak Capital Holdings LLC, a group of capital entities that lends and invests on commercial real estate by raising funds through retail and institutional channels. He leads the company’s investment management leadership teams with direct oversight of all portfolios. Prior to joining Red Oak in 2020, Bechtel served as president of Money360. Over the past 34 years, he has been involved in all aspects of commercial real estate finance and has closed more than $10 billion in commercial debt transactions.

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Maureen Bensily

Maureen Bensily is director of product management for the financial services compliance program management team at Wolters Kluwer Compliance Solutions. She brings more than 20 years of expertise to her role, including leadership positions in compliance operations in the insurance, securities and banking industries. Bensily has expertise in developing products relating to regulatory insight and change management, and in working with financial institutions to implement innovative, scalable solutions to compliance challenges.

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Kirill Bensonoff

Kirill Bensonoff is managing partner at New Silver, a technology-enabled nonbank lender primarily focused on providing real estate-backed financing for the U.S. fix-and-flip market, with a concentration on single-family residential and small-balance commercial assets. New Silver’s proprietary technology automates and stream-lines loan originations while using data to reduce loan default risk. The company’s complimentary FlipScout tool uses intelligence in order to help find projects with the highest return on investment. Visit newsilver.com.

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Eric Bernstein

Eric Bernstein is the co-founder and president of LendFriend Home Loans, an Austin-based mortgage lender servicing thousands of homebuyers in central Texas and other communities around the U.S. Along with his brother Michael, he co-founded LendFriend in 2018, and they have grown the company to surpass $375 million in loan originations annually through a focus on client experience and community engagement.

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Jeffrey Bernstein

Jeffrey Bernstein is the director of cybersecurity and compliance advisory services for Kaufman Rossin’s risk advisory consulting practice. Kaufman Rossin is a certified public accounting firm that provides professional services to businesses, organizations, institutions and their leaders. Bernstein advises clients in highly regulated industries on the protection and compliance of their networks, applications, systems, data, devices, people and property. Follow him on Twitter @Jeff_Bernstein1.

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Nick Bertino

Nick Bertino is a managing director at Wells Fargo Multifamily Capital. He co-authors Wells Fargo’s “Manufactured Home Community Financing Handbook.” Visit wellsfargo.com/mhc for more information.

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Francis Betancourt-Molina

Francis A. Betancourt-Molina is senior vice president of national mortgage-credit policy for Florida Capital Bank Mortgage. Betancourt-Molina has more than 22 years of experience guiding the development, maintenance and communication of the bank’s mortgage-credit policies across retail, wholesale and correspondent lending channels. Additionally, she monitors credit-policy changes, tracks results to ensure acceptable credit-risk exposure, and mentors her peers in areas of regulatory and compliance requirements.

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Joyeeta Bhattacharjee

Joyeeta Bhattacharjee is a seasoned writer specializing in articles, blogs and press releases. With a rich background in customer service, her writings provide insightful, relevant, and up-to-date content that resonates with both industry professionals and customers alike. Her passion for effective communication and her knack for storytelling make her articles both engaging and informative, setting her apart in the bustling field of call center services.

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Prabhakar Bhogaraju

Prabhakar Bhogaraju is executive vice president and head of strategy and product development with FinLocker, a financial fitness app that mortgage lenders, banks and credit unions can use to attract and engage with homebuyers and homeowners. Bhogaraju has more than 20 years of mortgage technology and consulting experience, with extensive experience in design thinking and digital business strategy, product development and customer engagement. Prior to joining FinLocker in 2021, Bhogaraju held executive leadership positions at Fannie Mae for 10 years.

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Creighton Bildstein

Creighton C. Bildstein is a principal at PlattPointe Capital in Denver. PlattPointe is a nationwide commercial lending intermediary that seeks to meet the lending needs of its clients when more traditional bank products fall short. PlattPointe offers alternative capital solutions for funding all types of commercial real estate projects, small and medium-sized businesses and asset-based financing needs.

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Dennis Black

Dennis Black is the CEO of Dennis Black and Associates, a training organization devoted exclusively to the development of sales and management professionals within the lending industry. Dennis Black and Associates has trained more than 120,000 mortgage professionals throughout the United States, Canada and Australia. Black speaks at conferences sponsored by the Mortgage Bankers Association and NAMB - The Association of Mortgage Professionals about selling strategies and is a frequent speaker at state conferences.

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Berekk Blackwell

Berekk Blackwell is president and chief operating officer of Zoned Properties. He has also served as president of Daily Jam Holdings LLC and vice president of Due North Holdings LLC. Prior to joining Zoned Properties, Blackwell developed domestic and international markets for Kahala Brands, a global franchise organization with more than 3,000 retail locations in over a dozen countries. He also led emerging brand and portfolio operations for several private equity groups investing in the restaurant franchise space.

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Stuart Blend

Stuart Blend is regional sales manager for Planet Home Lending LLC, the correspondent division of Planet Financial Group LLC, a multi-channel nonbank with industry-leading pricing and products. Coming from a background of retail sales and running midsize retail organizations, Blend has focused his attention on assisting clients in growing their business through innovative products and knowledge of how to sell these products to referral partners. The views expressed in this article are those of the author and do not necessarily reflect or represent the policies or positions of Planet Home Lending.

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Daren Blomquist

Daren Blomquist is vice president of market economics at Auction.com. In this role, Blomquist analyzes and forecasts complex macroeconomic and microeconomic data trends to provide value to both buyers and sellers using the platform. Blomquist has been cited by thousands of media outlets nationwide, including major news networks, The Wall Street Journal, The New York Times and USA Today. Prior to Auction.com, Blomquist worked at Attom Data Solutions.

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Jeff Bode

Jeff Bode is president and CEO of Addison, Texas-based Mid America Mortgage. A pioneer in the adoption of digital mortgages and e-notes, Mid America Mortgage offers a number of loan programs designed to address the challenges that face today’s buyers (including downpayment-assistance programs) through its retail, wholesale and correspondent channels.

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Brian Bodo

Brian Bodo is director of government lending at Firstrust Bank, based in the Philadelphia metro area. He has specialized in small-business lending for more than 20 years. As head of SBA lending at Firstrust, a PLP lender, Bodo works in tandem with the team at Firstrust subsidiary APEX Mortgage Corp. in Horsham, Pa., and has been instrumental in introducing a new 7(a) loan-product offering for APEX.

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Jill Bohlken

Jill Bohlken is mortgage strategic lead at PayNearMe, which partners with lenders and mortgage servicers to help automate the payment and collections processes while increasing client satisfaction by allowing borrowers to pay how, when and where they want. Bohlken has more than 20 years of experience in mortgage servicing with a focus on solving problems within the payment-processing space and driving up self-serve transactions while driving down operating costs.

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Mark Boleky

Mark Boleky is national vice president of business development at Plaza Home Mortgage. Prior to mortgages, he was a sports broadcaster and stand-up comic. Boleky is as comfortable doing data analysis as he is cracking jokes on stage, and that has helped him for the past 17 years in the mortgage industry. He joined Plaza Home Mortgage in 2007 as an account executive, then served as the company’s regional sales manager and divisional vice president. He aids Plaza’s sales team with training, motivation and sales tactics.

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Steve Bond

Steve Bond is president of Trius Lending Partners, which is headquartered in Maryland. Trius is a direct private-money and hard money lender that funds residential investment properties, fix-and-flip and rehab projects, and commercial properties throughout the Mid-Atlantic region. Trius Lending Partners underwrites from a “common-sense” approach and handles every aspect of a loan in-house, typically closing deals within a week.

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Jim Bopp

Jim Bopp is vice president of national renovation lending at Planet Home Lending LLC, where he manages retail and correspondent renovation loan programs, including FHA 203(k), VA alteration and conventional loan offerings. Bopp has more than 25 years in the financial industry. He is an active Mortgage Bankers Association (MBA) member, helped to start the New York MBA, sits on the national trade association’s FHA committee and leads its FHA 203(k) working group.

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Nathan Bossers

Nathan Bossers is president of Boston National Title Agency LLC, one of the nation’s largest title agencies. He joined the company in 2013 as chief operating officer and was promoted to his current role in 2020. Boston National Title is part of the Incenter family of companies, which deploys innovative solutions for optimizing mortgage industry performance.

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Chris Boyle

Chris Boyle is chief client officer of Freddie Mac’s single-family business, which includes client experience and management, marketing, bulk purchases and servicing-exchange executions. Since coming to Freddie Mac in 1990, Boyle has helped to implement numerous programs and strategies to support women.

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Laura Brandao

Laura Brandao is chief growth officer and a partner at mortgage lender EPM, where she oversees operations and business development. She also serves as the CEO of Lighthouse Lending Capital, a new division of EPM that specializes in unique loan programs and private lending. She serves with several organizations dedicated to lifting others, including as chair of the visionary program for the National Association of Minority Mortgage Bankers of America (NAMMBA) and on the Mortgage Bankers Association of New Jersey’s women's committee.

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Sundance Monty Brennan

Sundance Monty Brennan is the vice president of revenue at Nada and oversees sales in North America. Nada is an investment, financing and banking platform that aims to redefine how people access real estate assets. Brennan’s writing focuses on proptech, fintech and blockchain technologies, drawing on 20 years of financial industry experience. He also has advised on projects on the Algorand cryptocurrency blockchain. Connect with Brennan at linkedin.com/in/sundancebrennan.

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Michael Brenning

Michael Brenning is chief production officer of Deephaven Mortgage, overseeing sales and client development. Deephaven Mortgage is a leading provider of non-QM solutions for both the wholesale and correspondent communities. Prior to Deephaven, Brenning held many senior leadership roles in correspondent and wholesale sales, capital markets and marketing.

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Jason Bressler

Jason Bressler is chief technology officer at United Wholesale Mortgage (UWM). With more than two decades of information-technology experience in the mortgage banking industry, Bressler excels in application development and enterprise implementation. He is constantly developing intuitive technology platforms that help independent mortgage brokers grow their businesses. Under Bressler’s leadership, UWM has set the tone for the entire mortgage industry by reacting to clients quickly, efficiently and with scale.

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Lori Brewer

Lori Brewer is founder and CEO of LBA Ware, an Inc. 5000 company. Brewer is an entrepreneur and technology leader whose forward thinking has given rise to award-winning fintech applications, including incentive-compensation management platform CompenSafe and business-intelligence platform LimeGear. With over 20 years of mortgage banking experience, Brewer is a recipient of the Mortgage Bankers Association’s prestigious Tech All-Star award. For more information, visit the company’s website at lbaware.com.

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Brady Bridges

Brady Bridges is the broker-owner of Reside Real Estate. A seasoned Realtor with roots in Fort Worth, Texas, Bridges initially delved into the oil and gas industry even after earning his real estate license in 2007. His passion for his hometown led him back to the real estate arena, where he’s flourished for over a decade. A graduate of Texas Christian University, Bridges has garnered recognition as a top Realtor in Fort Worth.

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Clark Briner

Clark Briner is founder and CEO of Revere Capital, which serves real estate investors, operators and developers by directly providing private-capital debt for their projects throughout the U.S. The company lends on acquisitions, refinance, note purchases, discounted payoffs and cash outs. Bridge loans are offered from $3 million to $30 million. Headquartered in Dallas, Revere Capital also operates offices in San Francisco, Atlanta and Darien, Connecticut.

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David Brooks

David Brooks is founder and CEO of Cirrus, a fintech provider of cloud-based document management software. With 20 years of broad financial-services industry experience, Brooks has held various positions with BB&T, Deloitte, Citigroup Global Markets, Merrill Lynch and Volvo Commercial Finance, both in the U.S. and abroad. He has led numerous IT-related projects during this time, including workflow redesign, adoption of customer relationship management systems and the creation of BB&T’s federally assisted bank-merger model. Brooks graduated from Wake Forest University with a dual degree in business and German, and he holds a master’s degree from Oxford University. For more information about Cirrus, visit cirrussecure.com.

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Ray Brousseau

Ray Brousseau is president of Carrington Mortgage Services LLC. He oversees all aspects of Carrington’s lending and servicing divisions, as well as servicing operations. Under his leadership, Carrington’s full-service mortgage-lending business with wholesale, retail, and centralized sales and operations has experienced unprecedented growth and operational results. Brousseau has nearly 30 years of experience in the mortgage-banking and consumer-finance industry, including more than 24 years with CitiGroup’s consumer-finance business.

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Kelcey Brown

Kelcey T. Brown is chief strategy officer and executive vice president of WebMax LLC. Brown is responsible for developing, communicating, executing and sustaining strategic initiatives. He acts as a key adviser to the company’s president on critical changes in the competitive landscape, internal employee development and the external business environment. Brown has more than a decade of experience in the real estate and mortgage-technology industry.

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Lawrence S. Brown

Lawrence S. Brown is the CEO of Evergreen Private Finance and has more than 20 years of experience in growing highly successful specialty finance and investment companies. He also has acquired, managed and sold real estate in the Washington, D.C., metro area. He is a venture-capital investor and a limited member of Centripetal Capital. As a noted entrepreneur, he has structured and financed more $2 billion in loan products across multiple asset classes.

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Tyler Brown

Tyler Brown serves as alliance manager for Equifax Workforce Solutions. He has more than 13 years of experience in the mortgage industry. He works closely with mortgage lenders, regulators and other industry stakeholders to bring forth mutually beneficial data-driven solutions, fueling the opportunity for American consumers to better their financial lives. His efforts have helped to broaden homeownership opportunities by showing lenders the value of income and employment verifications, even in a volatile market.

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Jan Brzeski

Jan B. Brzeski is managing director and chief investment officer of Arixa Capital Advisors LLC and Crosswind Financial, both based in Los Angeles. He manages funds dedicated to making loans to real estate developers on single-family homes and small urban multiunit residential and mixed-use developments. His business was built from the ground up to meet the specific needs of these developers and their brokers.

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Terri Buckman

Terri Buckman is senior vice president of the national wholesale and non-delegated correspondent division of Finance of America Mortgage LLC. Helping small-business owners in the mortgage industry establish successful business models to better serve their communities has been a focus and a passion for Buckman for over 19 years.

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Ben Buckwalter

Ben Buckwalter is an award-winning sales strategist and co-founder of Loan Pro Nation, helping mortgage professionals close more deals with less effort in record time. Buckwalter has trained hundreds of loan officers, and his team turned $2 million-plus in ads into more than 100,000 leads and millions of dollars in closed loans last year alone.

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Paul Buege

Paul Buege is president and chief operating officer of Pewaukee, Wisconsin-based Inlanta Mortgage, a mortgage lender licensed in 27 states that is actively seeking new loan professionals. Buege has more than 35 years of experience in the mortgage business, and is an expert in recruitment, business development and growing sales. Under his leadership, Inlanta Mortgage has received numerous awards and accolades, including being recognized multiple times as a top workplace in the mortgage industry.

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Pierre Buhler

Pierre Buhler is a managing director at SSA & Company, where he brings over two decades of experience working at the intersection of banking and technology. Previously, he was founder of CKM Analytix, an operations intelligence provider. Buhler also worked as head of financial services at AlixPartners and launched Mitchell Madison Group. Earlier, he was head of procurement and corporate services with Chase Manhattan Bank, and a private equity manager at Charterhouse London.

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Lukas Bull

Lukas Bull is a credit analyst with Prime Commercial Lending, located in Albany, New York. He works with an ever-growing network of brokers to advise and facilitate the transaction of permanent commercial mortgages ranging from $100,000 to $5 million, with unique programs for both investors and business owners.

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Anthony Buonicore

Anthony J. Buonicore is chairman of Sustainable Real Estate Solutions Inc. and is current chair of ASTM’s building energy- performance assessment committee. He previously served as CEO of Buonicore Partners Inc., an energy risk-management consulting company and publisher of the daily energy news service, Building Energy Performance Assessment News. Buonicore holds both a bachelor’s and master’s degree in chemical engineering from Manhattan College.

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Tim Burniston

Timothy Burniston is senior adviser, regulatory strategy, for Wolters Kluwer Compliance Solutions. Burniston joined Wolters Kluwer in December 2011 to lead the company’s risk and compliance consulting practice. Under his leadership, the practice grew significantly in scope and now enjoys a national reputation for excellence. In July 2017, he was named to his current role advising the company’s financial and corporate compliance divisional executive leadership team and clients on emerging issues, legislative and regulatory developments and regulatory strategy.

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Damon Burton

Damon Burton is the founder of SEO National. More than a decade ago, he beat a billion-dollar company by outranking their website on Google. Burton knew he was onto something and founded SEO National in 2007. He has gone on to build an international search engine marketing company that has worked with NBA teams as well as Inc. 5000 and “Shark Tank”-featured businesses. He shares his 13 years of SEO experience in his latest book, “Outrank,” which can be download for free at freeseobook.com.

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Aaron Buss

Aaron Buss is vice president of SIC Funds. He joined the company in 2015 and has played an integral part in its growth and expansion. Prior to joining SIC, Buss was an accomplished general manager and area director for a variety of restaurant startup concepts and established brands. In 2014, Buss tackled a massive owner-occupied renovation of his home in Orland Park, Illinois, which was documented on HGTV’s House Hunter Renovations.

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Steve Butler

Steve Butler is founder and president of AI Foundry, which is based in Wakefield, Massachusetts. AI Foundry automates and streamlines enterprise business operations, creating software solutions that make data “actionable.” Butler’s leadership includes CEO positions for high-performance data analysis, enterprise software, system management and CAE companies. For more information, visit aifoundry.com.

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Tami Butler

Tami Butler is an independent commercial mortgage broker at On Point Real Estate Advisors and provides consulting, training, and finance for the commercial real estate industry. She has more than 21 years of experience funding commercial and investment properties. Butler offers consulting and project-based services to those in the real estate profession, mobile loan signings, and training for residential brokers nationwide on how to do commercial deals. Learn more about her and the services of her company at onpointrea.com.

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Tammy Butler

Tammy Butler is CEO of Fair Lending Diversity Inc., a strategy and training company. She is the youngest woman ever to receive the Mortgage Banker Association’s highest designation of Master Certified Mortgage Banker (CMB) and is a 1983 graduate of the University of Maryland, College Park.

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Barbara Byrne Denham

Barbara Byrne Denham is former senior economist and associate director at Moody’s Analytics. She previously served as chief economist at Eastern Consolidated and is a Ph.D. candidate at New York University, where she has studied economics, monetary theory and game theory.

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Jorge Caceres

Jorge Caceres is the vice president of inside sales and customer support at Enact, formerly Genworth Mortgage Insurance. Previously, Caceres served as the company’s director of multicultural marketing and housing finance agencies, and as its director of segment marketing, where he developed strategies to support emerging markets. The statements in this article are solely the opinions of Caceres and do not necessarily reflect the views of Enact or its management.

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Sean Cahan

Sean Cahan is president of Cornerstone First Mortgage, a full-service mortgage lender headquartered in San Diego. Under Cahan’s leadership, Cornerstone has grown from a single local mortgage branch to a nationwide company with 33 branches and licenses in 46 states. In addition to managing and overseeing Cornerstone’s operations and productions, Cahan originates loans for his own portfolio of clients. He has achieved the No. 1 top producer award at Cornerstone for the past six years. Reach Cahan at (619) 693-6020 or scahan@cfmtg.com.

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Mark Calabria

Mark Calabria is a senior adviser to the Cato Institute, a Washington, D.C.-based libertarian think tank. He is also the former director of the Federal Housing Finance Agency, which regulates and supervises Fannie Mae, Freddie Mac and the Federal Home Loan Banks. In that role, Calabria led the response to COVID-19, and he laid the groundwork for the removal of Fannie and Freddie from government conservatorship. Previously, Calabria served as chief economist to Vice President Mike Pence.

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Victor Calanog

Victor Calanog is chief economist and senior vice president for research at Reis Inc. (www.reis.com). He writes a monthly column on property types for Scotsman Guide. Calanog and his team of economists are responsible for data models, forecasting, valuation and portfolio services for clients in commercial real estate.

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Marisa Calderon

Marisa Calderon is chief of community finance and mobility at the National Community Reinvestment Coalition (NCRC) and is executive director of the NCRC Community Development Fund, a nonprofit community development financial institution named to Fast Company’s list of The World’s Most Innovative Companies of 2022. Calderon is an experienced executive who has been recognized, awarded and cited nationwide for her expertise in the housing and financial-services industries. She has more than two decades of experience dedicated to addressing issues of economic mobility and bridging America’s racial wealth gap.

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Joe Camerieri

Joe Camerieri serves as executive vice president of sales and strategy at Mortgage Cadence, which offers a comprehensive, customizable end-to-end loan origination system. As a mortgage industry leader, Camerieri has over 37 years of experience in consumer direct and retail mortgage banking. He has extensive knowledge of both operational and business development of the mortgage outsourcing segment, as well as in-depth knowledge of community bank, credit union and consumer direct mortgage markets.

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Adam Candler

Adam Candler is an associate director for BKM Capital Partners. As a longtime real estate capital markets and business development professional, he has been involved in placing or originating full capital-stack financing via banks, life companies, conduits, debt funds and agencies, with a focus on construction, repositioning and value-add strategies. He received an MBA from the University of Southern California, and he previously served in the U.S. Navy as a helicopter search and rescue swimmer. Reach Candler at (949) 301-9238.

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Kurt Carlton

Kurt Carlton is the president and co-founder of New Western, a nationwide real estate investment company. He oversees the New Western portfolio of companies, including all product, technology, marketing and growth initiatives. Born out of the chaos of the 2008 foreclosure crisis, Carlton co-engineered New Western to consistently stand strong as a pillar of economic promise throughout times of hardship. With a firm emphasis placed on increasing access to opportunity, his career has reflected his values of hard work, integrity and community service.

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Ryan Carry

Ryan Carry is the vice president of national sales for Impac Mortgage Corp., a national top 10 originator of non-QM assets. Carry is responsible for the growth and performance of the company’s wholesale division. He can be reached at ryan.carry@impacmail.com

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Kurt Chambliss

Kurt Chambliss is executive vice president of TMC Financing, a certified development company (CDC) that has provided real estate financing in Arizona, California, Nevada and Oregon for more than 40 years. TMC Financing offers commercial real estate buyers up to 90% financing by utilizing the U.S. Small Business Administration's CDC/504 loan program. TMC is the No. 1 CDC in the nation, providing more than $14 billion in financing for more than 7,000 businesses.

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Brent Chandler

Brent Chandler is the founder and CEO of FormFree. He is a widely recognized mortgage technology and fintech innovator who has 25 years of experience on the leading edge of trading, personal finance, wealth management and consumer financial services. In 2008, Chandler founded FormFree, a transformative fintech company whose revolutionary products AccountChek and Passport are making lending more inclusive by capturing a holistic view of each consumer’s unique financial DNA.

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Brian Chandler

Brian L. Chandler serves as a managing director and national practice co-lead for senior housing with JLL’s valuation and advisory services team in the U.S. In this role, he is focused on conducting appraisals, market studies, large portfolio engagements and consulting assignments for senior housing and health care properties nationwide. Actively engaged in commercial real estate valuation, consulting and brokerage since 1989, Chandler has extensive experience in consulting and valuation of a wide variety of commercial, retail, industrial and residential properties.

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Alan Chang

Alan Chang is vice president of title operation at JetClosing, a digital-first title and escrow company that serves lenders, agents, buyers and sellers across Arizona, Colorado, Nevada, Texas and Washington. Chang has worked in the title insurance industry for nearly two decades, establishing a reputation for maximizing operational efficiency through workflow and technology enhancements — while maximizing the strength and value of the human touch.

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Jacob Channel

Jacob Channel is a senior economic analyst for LendingTree, where he conducts studies on a wide variety of subjects related to the U.S. housing market and provides general macroeconomic analysis. His work has appeared in major publications including The New York Times, Bloomberg, Forbes and CNBC. He earned a bachelor’s degree and a master’s degree in economics from The New School, and he is based out of New York City.

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Kenon Chen

Kenon Chen is executive vice president of strategy and growth for Clear Capital, a real estate technology company that offers valuation services, data and analytics tools. Chen sits at the intersection of the executive, product, marketing and sales teams, guiding growth and ensuring the company delivers consistent and long-term value to customers and partners. Chen has developed and launched some of Clear Capital’s most forward-looking solutions, including ClearProp and ClearCollateral.

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Lu Chen

Lu Chen is a senior economist at Moody’s Analytics CRE. She has deep knowledge of urban economics and credit risk with special interests in senior housing and urban migration.

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Janice Chernitzky

Janice Chernitzky is a national wholesale account executive at LendSure Mortgage Corp. Within one year, she proved her exceptional capabilities and quickly rose the ranks to become a Platinum Club and Founders Club member, both high honors within the company for account executives with stellar sales records. Chernitzky is bilingual in English and Spanish, and she has developed many connections within the Hispanic community. Learn more about LendSure at lendsure.com.

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Santo Chiarelli

Santo Chiarelli is a partner in charge of the mortgage banking practice at ACS LLP, a firm of certified public accountants and financial advisers based in Iselin, New Jersey. ACS is an associate member of the Community Home Lenders Association. For the past 30 years, Chiarelli has provided accounting and auditing services to industries such as mortgage banks, debt-collection services, construction contractors and asset-based lenders.

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Kurt Chilcott

Kurt Chilcott is president and CEO of CDC Small Business Finance, a nonprofit certified development company established in 1978. Chilcott is a nationally recognized leader in economic and community development and small-business finance. Under Chilcott’s leadership, CDC Small Business Finance has led the nation in SBA 504 loan production for nearly 20 years. It has leveraged $13.8 billion in small-business loans since its inception.

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Kevin Choquette

Kevin Choquette is the founder of Fident Capital, which serves middle-market commercial property developers and investors. His expertise includes sourcing joint venture equity and debt financing for opportunistic and value-add projects in primary and secondary western growth markets with an emphasis on for-sale and for-rent housing and hospitality. Prior to starting Fident Capital in 2005, Choquette was an associate at La Jolla Capital Partners and held senior management positions with two venture-backed, Internet-music-industry companies.

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Rob Chrane

Rob Chrane is founder and CEO of Down Payment Resource and is a leader in the homeownership affordability space. A 30-year housing industry veteran, Chrane launched a comprehensive database of U.S. homebuyer assistance programs and develops tools that enable lenders, borrowers and real estate professionals to connect homebuyers with affordability programs.

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Tai Christensen

Tai Christensen is the co-founder and president for Arrive Home, a national affordable housing program dedicated to helping responsible borrowers in underserved communities become homeowners through down payment assistance offerings and alternative credit solutions. Christensen is also the chair of the California Mortgage Bankers Association’s diversity, equity and inclusion committee, chair of the American Mortgage Diversity Council and a board member for Axis Lift 360. Reach Christensen at (800) 270-7396.

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Marc Cisneros Jr.

Marc A. Cisneros Jr. is CEO and co-owner of CS Innovative Insurance Solutions, an independent agency in San Antonio. He specializes in insurance programs catering to mortgage brokers, including errors-and-omissions coverage; commercial insurance; surety bonds; medical insurance; and home, rental and commercial insurance for clients.

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Alexandra Ciuntu

Alexandra Ciuntu is a creative writer and researcher for RentCafe. With a background in e-learning content writing and a passion for knowledge-sharing platforms, she has covered topics from property technology to renters insurance and interior design tips. Because she is personally familiar with the renter lifestyle, Ciuntu enjoys researching and writing about renter demographic shifts and residential real estate market trends. Her articles have been featured in several national and international online publications, including The New York Times, Barron’s, Inman, Forbes, Architectural Digest, Marketwatch, Bisnow and Curbed.

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Jim Clapp

Jim Clapp is the president of Certainty Home Lending, a national mortgage lending and fintech business. He has held leadership roles with Certainty since 2009, including nine years as president and chief financial officer for the company’s predecessor, W.R. Starkey Mortgage. He has served the mortgage industry for the better part of three decades.

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Matt Clarke

Matt Clarke is chief operations officer and chief finance officer for Churchill Mortgage, a privately owned company by its more than 400 employees. A full-service and financially sound leader in the mortgage industry, the company provides conventional, Federal Housing Administration, U.S. Department of Veterans Affairs and U.S. Department of Agriculture residential mortgages across 46 states. For more information about Churchill Mortgage, visit churchillmortgage.com and follow the company on LinkedIn, Twitter @ChurchillMtg, Instagram, Pinterest and Facebook.

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Peter Clasquin

Peter Clasquin is a managing director at Hunt Mortgage Group, a leading Fannie Mae and Freddie Mac apartment lender. Clasquin has financed a variety of micro apartments through his Seattle correspondent GP Realty Finance Inc.

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Robert Clennan

Rob Clennan is president of Mortgage Solutions Financial. He joined Mortgage Solutions Financial in November 1996, starting in inside sales. He later advanced to loan officer, branch manager and vice president of sales. During this period, he helped lead the successful transition of the company’s brand from Freedom Financial Services to Mortgage Solutions Financial. As chief production officer, Clennan helped identify and grow a number of new and emerging markets, leading the company to all-time production records.

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Deb Cleveland

Deb Cleveland is an independent real estate investor and seven-figure entrepreneur who mentors women so they can transform their lives by learning to flip houses and build personal wealth through her Small Town Dynasty courses. She is known for turning small towns into beautiful, bustling communities that positively impact everyone from investors and renters to shop owners and town councils. She has personally flipped more than 400 units and maintains more than 80 rental properties to date.

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Rebecca Clyde

Rebecca Clyde is co-founder and CEO of Botco.ai, an intelligent chat startup that’s disrupting and modernizing marketing automation for enterprise-sized businesses. She’s an accomplished marketing professional and public speaker with unique expertise in marketing-automation leadership and business growth. Prior to Botco.ai, Clyde founded Ideas Collide, an award-winning marketing-automation agency.

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Alex Cohen

Alex Cohen is the CEO of Liberty SBF, a commercial real estate financing company that provides directly funded loans to owners and investors of commercial properties. The company lends nationwide on a variety of asset types and specializes in U.S. Small Business Administration 504 loans for business owners, as well as bridge loans and commercial mortgage-backed securities for property investors.

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Jim Colella

Jim Colella is vice president, national builder program manager at Guaranteed Rate. He has nearly 25 years of combined experience in mortgage and home- building, including leadership roles in sales, marketing, operations and land development. Colella is the company’s lead resource for new construction initiatives and recruiting centered around growing builder volume. He is directly involved with developing strategic business plans for loan officers and market managers to capture builder and condominium developer accounts.

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Barry Coleman

Barry Coleman is vice president of program management and education at the National Foundation for Credit Counseling (NFCC). He and his team are responsible for the development and implementation of financial counseling and education programs that NFCC members deliver to consumers. A retired Air Force command chief master sergeant, Coleman holds an MBA from Ohio University and a bachelor’s degree in organizational management from Ashford University. Reach Coleman at (800) 388-2227.

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Matt Coles

Matt Coles is regional vice president of sales for Plaza Home Mortgage, a proven national leader dedicated to wholesale and correspondent lending. In this role, Coles has served wholesale mortgage brokers in the Southern California and Arizona markets for the past nine years.

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Ellen Comeaux

Ellen Comeaux is a senior vice president and commercial division leader at TIAA Bank. As a member of the bank’s leadership team, she directs commercial loan origination activities and drives strategy for the company’s commercial real estate and equipment-finance business lines. She has more than 30 years of experience in the equipment-finance business, and previously worked with MetLife Capital and GE Capital. Reach Comeaux at ellen.comeaux@tiaabank.com.

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Brian Congelliere

Brian Congelliere is the senior business development officer at Grasshopper Bank, a national bank that offers a full array of commercial banking products, including SBA 7(a) loans, SBA 504 loans and U.S. Department of Agriculture loans, to traditional small businesses, innovation-economy companies and venture-capital firms. Based in New York City, the second-largest venture capital funding center in the U.S., Grasshopper Bank delivers cloud-based banking solutions and financial services that enable companies to more efficiently address their day-to-day challenges.

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K.C. Conway

K.C. Conway is chief economist for the CCIM Institute. He also serves as director of research and corporate engagement at the Alabama Center for Real Estate, housed in the Culverhouse College of Business at the University of Alabama.

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Linn Cook

Linn Cook is vice president of sales at OptifiNow, a customer relationship management (CRM) and marketing automation software company based in Seal Beach, California. Cook has been in the mortgage technology industry for 20 years, managing sales and marketing for credit-reporting systems, mortgage origination software platforms, automated underwriting engines, and CRM and marketing automation technology.

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Michael Cooksey

Michael Cooksey is executive managing director of production for Mid America Mortgage, based in Addison, Texas, and is founder of The Cooksey Team in Dallas, one of Mid America’s top-performing branches.

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Steven Cooley

Steven Cooley is the founder of Art Vs. Math LLC, a hypercreative, numbers-obsessed business consultancy that develops solutions for complex challenges while finding big ideas to generate revenue. Cooley previously worked at Finance of America Holdings and Finance of America Reverse. He also has consulted with various venture-capital companies, hard money lenders and investors on market viability, product placement, and marketing and business-intelligence strategies.

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Raul Correa Kemish

Raul Correa Kemish, president of US Mortgage Wholesale, is a distinguished commercial loan specialist. With a strong background in finance and sales, he leads a licensed bilingual team dedicated exclusively to crafting innovative commercial loan solutions nationwide. Known for surpassing client expectations, Kemish invites collaboration in the dynamic world of commercial lending. Reach Kemish at (720) 800-1411.

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Craig Crabtree

Craig Crabtree is senior vice president and general manager of Equifax Mortgage and Housing, where he manages the company’s mortgage, rental and real estate industries across all solution and product categories. Since joining Equifax in 2010, Crabtree has expanded the capabilities that service these industries to include employment- and income-verification services, capital markets, and property and data analysis.

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David Crantz

David Crantz, president of Signature Capital, brings more than 30 years of experience to the commercial lending and private money business. As a third-generation lender, he has private mortgage lending in his blood. Crantz started working as a lender at age 18 in a family business and has been expanding his skills, experience and industry network ever since.

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Phil Crescenzo Jr.

Phil Crescenzo Jr. is vice president of the Southeast Division at Nation One Mortgage Corp. Crescenzo has over 20 years of industry experience helping homeowners, Realtors and building partners navigate the mortgage credit and approval process while making it easier to qualify. As a mortgage expert, Crescenzo constantly monitors market conditions and the changes in mortgage programs to provide financial guidance quickly and accurately. Crescenzo and his team have a background in a wide range of mortgage options.

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Dianne Crocker

Dianne Crocker is the principal analyst at LightBox. She is an expert on commercial real estate market trends and forecasting; property due diligence and risk management; and technology trends. With more than 20 years of experience in the commercial real estate industry, she has analyzed the market through three cyclical downturns. Crocker is a regular speaker at leading industry conferences, webinars and LightBox’s own events. In 2015, Crocker created the annual PRISM Awards, a one-of-a-kind program to shine a light on the creativity, innovation, influence, leadership and achievement of excellence in the property due-diligence and commercial real estate lending industries.

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Thomas Cronkright

Thomas W. Cronkright II is co-founder and CEO of Sun Title and CertifID in Grand Rapids, Michigan. CertifID is a guaranteed identity verification system designed to prevent wire fraud in real estate transactions. Founded in 2005, Sun Title has grown into one of the largest commercial and residential title agencies in Michigan. Cronkright is a licensed attorney and frequent speaker on identity theft, cyber fraud, real estate and financial topics.

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Kaitlyn Crowder

Kaitlyn Crowder is the marketing director at North Avenue Capital, a specialized commercial lender in Ponte Vedra, Florida, that focuses on providing USDA business loans of $2 million or more to rural America and beyond. In 2022, Crowder received the Jacksonville Business Journal’s 40 Under 40 award for her community leadership. Crowder currently serves on the University of South Florida’s digital marketing advisory board, the Best Buddies of North Florida advisory board and The Human Collective’s advisory board. Additionally, she is a three-time opening speaker at the National Alliance of Commercial Loan Brokers’ annual conference.

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Michael Crute

Michael Crute is president and co-founder of The Welcome Home Atlanta Team, an affiliate partner of Keller Williams Realty First Atlanta, a purpose-driven real estate team dedicated to helping people of all colors, creeds, sexual orientations and identities buy and sell homes. Crute is an operational strategist turned Realtor with a wealth of experience serving prestigious clientele. His insights are informed by years of navigating the intricacies of Atlanta’s real estate market and corporate needs.

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Victor Cuevas

Victor Cuevas is the founder of Griffin Crowd & Capital, the latest chapter in his illustrious real estate career. An industry professional with more than 30 years of mortgage finance experience, including extensive knowledge in both residential and commercial properties, Cuevas is a successful serial entrepreneur who has developed many accomplished companies and ventures. Among these, he built a mortgage empire spanning 36 offices in several western and central U.S. states. Learn more at griffincrowdcapital.com.

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Gary Cunningham

Gary Cunningham is president and CEO of Prosperity Now, a nonprofit organization based in Washington, D.C. that advocates for equality in homeownership, jobs, income, wealth, taxes and consumer protections. He joined Prosperity Now in August 2019 after providing strategic leadership to multiple national, regional and local organizations, including the Metropolitan Economic Development Association and the Northwest Area Foundation.

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Stephen Curry

Stephen Curry is CEO of Endurance Advisory Partners, a bank risk management consulting firm. Curry has been providing advisory services to management teams and boards of national and regional banks, financial services companies, start-ups and private investor groups since leaving Bank of America in 2009. He has successfully guided these firms through acquisitions and divestitures, merger integrations, digital transformations, operational restructurings, implementation of growth strategies and resolved complex regulatory issues. In addition, Curry has served as chairman, CEO or president at banks ranging in size from $800 million to $30 billion.

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Brian Daily

Brian Daily is senior vice president of production at Mountain West Financial Inc. In this role, Daily is responsible for overall company management, designing and implementing growth strategies while creating world-class experiences for clients within the wholesale channel. He has more than 30 years of experience in mortgage banking. He has managed, built and implemented strategies pertaining to origination channel rollout, mass national market expansion and business-to-business client-experience feedback platforms. Reach Daily at brian.daily@mwfinc.com.

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Jonathan Daniel

Jonathan Daniel is a principal at Knighthead Funding in Greenwich, Connecticut. Prior to joining Knighthead in 2013, Daniel was the principal and founder of Silo Financial Corp., a private equity-based real estate finance company. Throughout his career, he has sourced, originated and serviced more than $1 billion in commercial-mortgage products, and he has developed innovative deal structures for a diverse range of commercial- property owners.

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Mike Darne

Mike Darne is vice president of marketing for CreditXpert, a company working to expand homeownership opportunities by making mortgage credit scores more transparent and by helping borrowers reach their true credit potential.

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Tom Davis

Tom Davis is chief sales officer of non-QM lender Deephaven Mortgage. He joined Deephaven in 2022 and has more than 20 years of experience helping lending partners with their non-QM and agency needs. He holds a bachelor’s degree from Florida Atlantic University, where he double majored in finance and management. Deephaven was founded in 2012 and led the formation and development of the non-QM market. Reach Davis at tdavis@deephavenmortgage.com or visit deephavenmortgage.com.

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Jeremy Davis

Jeremy Davis is CEO at InQlusion Mortgage Capital, a Panorama Mortgage Group (PMG) company. For nearly 20 years, Davis has advocated for underserved communities. Before joining PMG, he served as director of mortgage for FirstBank, where he led the FirstBank Forward division, an initiative with a specific mission of bridging the homeownership gap that minorities face. Prior to that, Davis led similar successful expansions into new market territories for Synovus, Fifth Third Bank and JPMorgan Chase.

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Chris de la Motte

Chris de la Motte is CEO and co-founder of Sonar, the groundbreaking mortgage experience platform celebrated for revolutionizing the digital mortgage landscape. Backed by FirstMark and Liberty Mutual, Sonar is an integrated loan origination, point of sale software, product pricing engine and customer relationship management platform, powering the entire mortgage journey from application to closing. Prior to Sonar, de la Motte was president of Simplist, one of the fastest- growing digital mortgage companies. Visit Sonar at yoursonar.com.

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Sarah DeCiantis

Sarah DeCiantis is executive vice president and chief marketing officer at United Wholesale Mortgage (UWM). She leads UWM’s marketing, public relations, advertising, social media, creative and customerrelationship management system that have established the company as the gold standard of the wholesale mortgage industry.

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Brian Decker

Brian Decker is CEO of Modern Lending, a mortgage bank operating in 15 states with locations in California, Tennessee and Arizona. In 2022, Decker stepped into a full-time role as CEO of Modern Lending. That same year, he also founded Soar Energy with HGTV stars Tarek and Heather El Moussa, as well as United Wholesale Lending CEO Shelby Elias.

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Ralph DeFranco

Ralph DeFranco is global chief economist of the mortgage group at Arch Capital Services Inc., White Plains, N.Y. He leads the company’s efforts to forecast regional home prices and develop predictive economic models. He also is the author of The Housing and Mortgage Market Review, a quarterly report on the state of the nation’s housing sector, which includes probabilities of home-price declines from the Arch MI Risk Index.

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Michael Delehanty

Michael Delehanty is the chief financial officer of Mountain West Financial, headquartered in Redlands, Calif., and a board member of the Community Home Lenders Association (CHLA). He has spent over 20 years in the mortgage industry focusing primarily in capital markets and management.

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Paul Dempsey

Paul Dempsey is the director of marketing at 360factors. He has more than 20 years of experience in marketing, branding, product development, and interactive and e-commerce management within the financial services, software-as-a-service and manufacturing space.

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Dave Demster

Dave Demster is executive vice president of sales and marketing at PrivoCorp and is a mortgage industry veteran with over 25 years of executive management experience. He brings extensive experience providing thought leadership, technology solutions and business-processing- outsourcing services to the mortgage industry, with a focus on servicing and default, origination, business intelligence and customer experience management.

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Anna DeSimone

Anna DeSimone is author of "Housing Finance 2020: New Mortgage Programs for the New Generation of Homebuyers." DeSimone has written more than 40 published works on topics such as mortgage best practices, fair lending and regulatory compliance, including numerous guides published by the Mortgage Bankers Association. She is the former owner and founder of Bankers Advisory, a mortgage compliance and quality-control company. DeSimone was named one of HousingWire’s Women of Influence and has received numerous other awards.

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Peter Desmond

Peter Desmond is the marketing manager for Wisetek, a global leader in information technology (IT) asset disposition, data destruction and IT reuse. Desmond has worked with businesses in the financial industry to ensure they are managing their data correctly.

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Seth DeWitt

Seth DeWitt is an accounting officer at Holland, Michigan-based Lighthouse Title Group, which serves over 50 markets across Michigan and Wisconsin. DeWitt started at Lighthouse in 2022 with a bachelor’s degree in business accounting from Hope College, after interning at the company the year before. DeWitt attends concerts, enjoys playing musical instruments and devotes much of his spare time to his rescue husky Blitzen.

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Krish Dhokia

Krish Dhokia is senior vice president of marketing at Kind Lending LLC. With more than 20 years of experience in the arena, Dhokia has honed his craft in lead generation and social networking, spanning small to large businesses across multiple industries. Nicknamed “Crush it Krish,” Dhokia was one of the 2016 recipients of the Atlanta Business Chronicle’s “40 Under 40” award and is a frequent speaker in the mortgage, finance and real estate spaces.

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Tino Diaz

Tino Diaz is managing director of America’s Homeowner Alliance, where he is focused on protecting and promoting sustainable homeownership for all segments of current and aspiring homeowners. He has served in key leadership roles in banking for more than 40 years, and as an adviser to the chairman of the Federal Reserve and its governors. He was the chairman and president of the National Association of Hispanic Real Estate Professionals (NAHREP) and is the architect of the NAHREP Code of Trust.

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Rob Diodato

Rob Diodato is the president of York Commercial Finance, a commercial mortgage advisory company with offices in Dallas and New York. Diodato arranges financing for commercial real estate transactions nationwide for all property types. Diodato has more than 26 years of experience in the commercial and residential mortgage industries.

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Joseph Dionne

Joseph Dionne is the assistant vice president of operations at Home1st Lending LLC. As an experienced loan officer, he has the required financial knowledge and expertise to stay up to date on changing market conditions and mortgage programs. Dionne is a reliable and committed mortgage professional who puts his clients’ goals first and foremost.

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Kathy Donovan

Kathy Donovan is a specialized consulting associate director for Wolters Kluwer Compliance Solutions. She has more than 25 years working in insurance industry compliance. With a focus on researching regulatory activity to help increase awareness and understanding of compliance issues that affect insurers, she assists in managing content for multiple property, casualty, life and health compliance tools, incorporating the newest regulatory requirements to ensure solutions meet insurers’ needs.

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Michael Dresden

Michael Dresden is the president of Dart Appraisal, an independently owned and nationwide appraisal management company. Established in 1993, Dart has continued to be an appraisal management leader for 27 years. As the chief integrator for all branches of Dart Appraisal, Dresden works closely with the company’s leadership team to create and fulfill a comprehensive strategic plan that delivers consistent, reliable and customized service to a broad range of clients throughout the U.S. Learn more at dartappraisal.com.

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Ray Drew

Ray Drew is SBA business development officer at Fund-Ex Solutions Group. Drew has dedicated his entire professional career to helping small-business owners navigate through the intricacies of SBA borrowing. His job is to structure a customized loan solution that meets the unique needs of the business and guide the entrepreneur through the process. He hosts “The Art of SBA Lending” podcast and serves as chairman of the board for the Florida Association of Government Guaranteed Lenders.

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Jeremy Drews

Jeremy Drews is a regional manager for LendSure Mortgage Corp. Since 2005, he has served in account executive and regional management capacities at Accredited Home Lenders and LendSure. His work in wholesale lending services extends to several resort areas in the West, including Southern California; Las Vegas; Lake Tahoe, Nevada; and the Utah markets of Park City and St. George. Drews also is a licensed mortgage originator.

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Steven Driss

Steven Driss is president of Driss Insurance in Encino, California. An award-winning employee-benefits expert, Driss is a certified insurance professional and holds a life/health/casualty insurance license. He has worked as an extension of companies’ human resources departments for more than two decades, designing and developing robust benefits packages for businesses. For additional information, visit drissinsurance.com.

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Tim Dubes

Tim Dubes is vice president of content marketing for Ocrolus, a document-automation platform that powers the digital lending ecosystem and automates credit decisions across the fintech, mortgage and banking industries. Ocrolus provides modern document-analysis infrastructure and has raised more than $100 million from blue-chip fintech investors. The company enables financial-services companies to make high-quality decisions with trusted data and unparalleled efficiency.

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Elaine Duffus

Elaine Duffus is a senior specialized consultant with Wolters Kluwer Compliance Solutions. She brings more than 20 years of professional expertise, including positions as chief compliance officer in the insurance, securities and banking industries. Her work includes helping clients assess, understand and manage their regulatory content needs.

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Ernie Durbin

Ernie Durbin is the chief valuation officer at Voxtur, where he provides expertise in developing innovative solutions for the valuation industry. He holds the prestigious CRE designation from The Counselors of Real Estate and the SRA and AI-RRS designations from the Appraisal Institute. Durbin has contributed to various special projects, including the Appraiser Diversity Initiative (ADI). He serves on the Real Property Valuation Committee for the National Association of Realtors.

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Idan Edry

Idan Udi Edry is the CEO of Trustifi, a software-as-a-service (SaaS) company offering a patented, postmarked e-mail system that encrypts and tracks e-mails. A trusted authority for information technology (IT) and data security, Edry has 13 formal certifications from the most renowned IT and telecommunications organizations, and his insight has been featured in major publications like Fox News, Bloomberg BNA and MDedge.

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Ashley Effinger

Ashley Effinger is a credit repair specialist and owner of the Credit Queen, which helps people repair their credit and understand essential financing concepts. Effinger is also a FreedomPath adviser. She’s a digital marketing maven who is on a mission to change financial lives for the better. By day, she’s mastered the art of improving credit scores and teaching budgeting wizardry. By night, she’s a devoted wife and mom to five amazing kids.

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Ryan Ehler

Ryan Ehler is a loan officer at Price Mortgage LLC in Gilbert, Arizona. He is best known for getting the job done and does whatever it takes to service his clients under top standards. His quick ability to learn and adapt allows him to stay on top of market changes. His expertise falls under the following categories: educational entertaining, advanced video and photoshop editing, and copywriting skills.

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David Eichenblatt

David Eichenblatt is president and founder of LGIS Group in Atlanta. He has more than three decades of experience as a commercial real estate investor and developer. He is a graduate of Harvard Business School, holds degrees from Georgia State University and Florida State University, and holds the designation of Certified Commercial Investment Member. To learn more, visit lgisgroup.com.

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Alex Elezaj

Alex Elezaj is chief strategy officer for United Wholesale Mortgage, a role in which he is laser focused on growing the independent mortgage broker channel. Prior to joining the company in 2018, Elezaj served as CEO of Class Appraisal Inc., which he led to become one of the nation’s largest and most successful appraisal management companies.

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Kent Elliott

Kent Elliott is a principal at RETS Associates, a leading real estate recruitment firm with a 99% success rate in conducting searches for top executives and senior or midlevel professionals across all real estate asset classes in the U.S. He founded RETS in 2002, and he holds degrees in political economics from the University of California at Berkeley and in business administration from UC Irvine.

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Theo Ellis

Theo Ellis is CEO and co-founder of Friday Harbor, a mortgage technology company backed by the Allen Institute for AI in Seattle. Friday Harbor puts the knowledge and judgment of an always-on expert underwriter into the hands of originators. Previously, Ellis was vice president of growth for Lenders One and head of growth, US at Pagaya Technologies. Earlier in his career he worked at PIMCO and McKinsey & Co.

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Joe Ellis

Joe Ellis is a senior vice president at CBIZ Inc. and has dozens of years of experience in employee-benefits consulting. Ellis provides strategic advice and support on all aspects of employee-benefits plans. He also has several specialty areas related to health and welfare-benefit planning.

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Brian Emmons

Brian A. Emmons joined Merchants Bank in 2016 as the senior vice president of commercial banking and participations. His role is primarily focused on managing a national network of participating bank partners and developing business. Emmons holds a bachelor’s degree in finance from Indiana University’s Kelley School of Business, with a minor in accounting. His professional career includes more than 30 years of banking and finance experience in a variety of roles.

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Cindy Ertman

Cindy Ertman is CEO and founder of The Defining Difference, a success-based mortgage coaching and training company devoted to helping mortgage professionals master the power of bold and intentional choices to create a defining difference in their own life and business. Her impressive career includes growing her personal production to over $200 million annually and co-leading a $1.2 billion mortgage branch, while growing from one to 20 branches in Southern California. Ten years ago, Ertman launched The Defining Difference, which has empowered thousands of mortgage loan originators nationally.

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Laura Escobar

Laura Escobar is president of Eagle Home Mortgage, the mortgage lending subsidiary of Lennar Corp., one of the nation’s leading homebuilders. Escobar currently leads a team of more than 1,100 associates in 54 locations across 26 states. Under her leadership, loan officers are now spending less administrative time on each loan and processing times have shortened. Escobar is a 30-year mortgage industry veteran. She serves on several advisory boards and committees in the industry.

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Raymond Eshaghian

Raymond Eshaghian is the president and founder of Greenbox Loans Inc., a wholesale lender specializing in nonqualified mortgages (non-QM) and nonprime loans. Eshaghian has more than 30 years of experience in mortgage lending in executive or principal roles. He has vast experience and expertise in the non-QM market.

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Mike Eshelman

Mike Eshelman is a certified mortgage banker and is the head of consumer finance at Jornaya, a data-as-a-service platform that helps companies attract and retain clients using a proprietary network of more than 35,000 comparison-shopping and lead-generation sites. For more information, visit jornaya.com.

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Craig Evans

Craig Evans is vice president of operations and digital lending at Fiserv Inc., a leading global provider of financialservices technology solutions. He has 35-plus years of experience in the banking and mortgage industries, working previously with leading U.S. banks such as Ally Financial, Bank of America, Washington Mutual, Fleet National Bank and First National Bank of Chicago. Evans resides with his wife Lori in Charlotte. He has four children and four grandchildren.

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Joe Evans

Joe Evans is senior manager of mortgage at DocuSign, the largest e-signature provider in the world. He is responsible for developing secure, collaborative, compliant solutions that eliminate inefficient paper processes and help lenders support their residential lending programs. Prior to DocuSign, Evans worked on cloud services at Dell and VMware.

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Ethan Ewing

Ethan Ewing co-founded ProPair in 2017 to solve one of the biggest challenges he faced during his career as a loan-industry executive: lead assignments. ProPair is based in Silicon Valley, California, and its AI-driven platform is used by mortgage companies across the country to increase close rates and cut lead cost per close.

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Mark Falzone

Mark Falzone is a senior loan officer at Kennedy Funding, a nationwide direct private lender based in Englewood Cliffs, New Jersey. Falzone is a 16-year industry veteran and is part of a team whose principals have closed in excess of $3 billion in hard money loans to borrowers across the globe. He specializes in bridge loans for land, multifamily, retail, office and hospitality properties.

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Miles Farquhar

Miles Farquhar is president and portfolio manager of SC Financial Service, a private lending company based in San Clemente, California.

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Michael Farris

Michael Farris is vice president of strategic solutions at Origence, the developer of the Origence platform, an end-to-end solution that powers mortgage, consumer and home equity lending for financial institutions.

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Tommy Faulkner

Tommy Faulkner, CEO of JDSfaulkner, has been a renowned innovator in the engineering, design and consulting industry for more than 25 years. His expertise is multidisciplinary and he has completed licensing as a professional engineer, general contractor, Master of Special Inspection and Realtor. Throughout his career, Faulkner has founded and led acclaimed engineering firms and delivered award-winning design, inspection and engineering projects for residential, commercial and industrial clients.

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Mandi Feely

Mandi Feely is the branch manager of Premier Mortgage Resources in Meridian, Idaho, and is the leader of Team Mandi (her origination team). Feely has more than 20 years of experience in the mortgage industry, including positions as a loan processor, originator and manager. She landed among the top producers in the nation this year in Scotsman Guide’s Top Women Originators rankings. She was born and raised in Idaho, and graduated from Boise State University. She lives with her husband Cory and two kids, Aly and Blake.

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Richard Ferguson

Richard Ferguson is president of CBC Mortgage Agency, a nationally chartered housing-finance agency and a leading source of downpayment assistance. The company is committed to creating affordable- and sustainable-housing solutions to underserved communities, particularly minorities and millennials, who have good credit and good income but lack the funds for a downpayment. Since 2013, CBC Mortgage Agency has helped more than 18,000 low income consumers achieve the dream of homeownership.

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Steve Ferringer

Steve Ferringer is executive vice president of enterprise business development at Incenter, which helps mortgage lenders optimize processes and improve performance. He has transformed 35-plus years of mortgage lending and servicing experience and know-how into a unique role as a client executive. Ferringer leads strategic relationships with senior-level and C-suite clients, partnering with them to assess financial and operational goals, then coordinating customized deployments of Incenter’s business lines. For more information, visit incenterms.com.

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Jonathan Fhima

Jonathan Fhima is CEO and managing principal of the private equity firm F2. He is currently responsible for originating investment opportunities and raising capital. His primary focus is growing the firm to become one of the nation’s largest private financial institutions. Prior to starting F2, Fhima worked on both the acquisitions and debt strategies teams at Lightstone, one of the country’s largest real estate private equity firms. During his tenure at Lightstone, Fhima spearheaded $1 billion of real estate acquisitions and simultaneous financings, having purchased more than 1,100 apartments. His responsibilities included sourcing, underwriting, completing due diligence, leveraging and closing transactions.

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Adam S. Finkel

Adam S. Finkel is the co-founder of Tower Capital, a Phoenix-based commercial real estate finance company that provides customized capital-market solutions for real estate owners, operators and investors throughout the country. Finkel has completed more than $1 billion in successful debt and equity placements on behalf of his clients.

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Rob Finlay

Rob Finlay is the founder and CEO of Thirty Capital, an advisory, investment and technology firm serving growth-minded operators and investors. He is a forward-thinking entrepreneur devoted to building companies that support and advance the commercial real estate industry. With expertise in tech-enabled asset management and capital-market services and solutions, Finlay speaks from experience and insight as an active commercial property owner, investor and operator of more than 20 years. He has launched, developed and sold many commercial real estate technology and finance startups. He also recently authored The Wall Street Journal bestselling book, “Beyond the Building: How to Use Innovation to Create and Grow Your Commercial Real Estate Portfolio.”

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Dennis Firestone

Dennis Firestone is a senior vice president with JLL Valuation Advisory’s environmental and property condition services team. He is a registered geologist and registered environmental manager who has more than 30 years of leadership in the environmental and engineering assessment industry.

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Michael Fischer

Michael Fischer is a branch manager and VA loan specialist for Troy, Michigan-based Ross Mortgage Corp. He also serves as president of the Military Mortgage Boot Camp program, founded specifically to strengthen that community and to encourage a spirit of service and sacrifice by educating and advocating for smarter and more engaged military lending. To learn more, visit rossmortgage.com.

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Mark S. Fisher

Mark S. Fisher is vice president of UNMB Home Loans, a company that primarily services the Northeast U.S. Fisher has been a mortgage originator since 2011 and has more than $1 billion in loan originations. Fisher also coaches other loan originators who need help taking their business to the next level. To learn more, visit his Instagram page, @NYC_Mortgage. Reach Fisher at (347) 242-1206.

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Mark Fogel

Mark Fogel is president and CEO of ACRES Capital, which he founded in 2012. Fogel has more than 20 years of experience in commercial real estate finance, with a particular focus on providing developers and entrepreneurs with innovative debt and equity solutions. Fogel employs an asset-management approach to identifying and underwriting loan opportunities. Since inception, the ACRES portfolio has grown to more than $600 million in managed assets. ACRES Capital is an SEC-registered investment adviser.

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Rocky Foroutan

Rocky Foroutan is the founder and visionary behind LenderHomePage.com. He founded the company in 2003 from his small home office by building turnkey websites for mortgage brokers and loan officers. Today, the company has grown to serve more than 2,000 clients with an innovative, multichannel digital platform that helps customers enhance borrower experience while gaining efficiencies and saving money. Prior to LenderHomePage.com, Foroutan spent 19 years as a software developer, and in sales and marketing management, for Inc. 5000 companies.

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Andrew Foster

Andrew Foster is associate vice president of commercial real estate with the Mortgage Bankers Association and serves as lead staff for commercial/multifamily member transition efforts. He focuses on member engagement, and brings a strong background in securitization and loan workouts through prior work experience with member firms. He is a regular contributor to MBA NewsLink and MBA Commercial/Multifamily NewsLink.

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Carolyn Frank

Carolyn Frank is chief human resources officer at Guild Mortgage, where she oversees the company’s HR and learning-management functions. She has more than 20 years of human resources experience with a strong background in employee relations, talent development and workforce strategy. Prior to joining Guild, she held HR positions with Genoptix, Amylin and Johnson Outdoors.

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Milton Franklin

Milton Franklin is founder and president of Commercial Mortgage Exchange Inc. (CME), which maintains direct relationships with multiple private and nonconforming funding sources. CME offers a wide range of nonbank lending sources, provides creative financing products and strategies for clients, and offers partnering opportunities for commercial mortgage brokers. Franklin is a graduate of Wharton Business School with 35 years of experience in financial services.

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Mike Fratantoni

Mike Fratantoni is chief economist and senior vice president of research and industry technology at the Mortgage Bankers Association (MBA). He is responsible for overseeing MBA’s industry surveys, benchmarking studies, economic and mortgage origination forecasts, industry-technology efforts, and policy-development research for the single-family and commercial/multifamily markets. Prior to joining MBA, Fratantoni worked in risk management and senior economist roles at Washington Mutual and Fannie Mae.

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Patrick Freeze

Patrick Freeze is the founder of Maryland Hard Money Lenders LLC. He brings more than 15 years of experience to provide specialized hard money loans for real estate ventures. With a property management company that oversees 5,500 units and employs more than 180 professionals, Maryland Hard Money Lenders has built a compelling reputation based on its extensive industry knowledge and record of accomplishment. Serving the Maryland area, the company offers fast, quality service and excels in structuring profitable deals, positioning itself as one of the top hard money lenders in the region. Reach Freeze at (443) 759-3644.

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Nancy Friedman

Nancy Friedman is the founder and chairman of Telephone Doctor, a customer-service training company headquartered in St. Louis. She has spoken at several state and national events for mortgage brokers and bank associations, and she has worked with corporations and associations on communicating better with their clients. She is the author of nine books, and her online and Zoom programs have been acclaimed as a "class act." Visit her website at nancyfriedman.com.

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Josh Friend

Josh Friend is CEO and founder of Insellerate, which offers the Althena platform with Call Assist AI, a highly scalable, configurable program that accelerates the sales process and generates repeat business. Friend began his career as a loan officer in 1999 but started the first of several mortgage companies in 2003. Friend shifted his focus to building software for the mortgage industry in 2004. He has received numerous industry awards for his work moving the mortgage industry forward.

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Christine Frohlich

Christine Frohlich is the head of data governance at Verisk Marketing Solutions, a leading data provider for the lending industry. In addition to overseeing more than 2.8 petabytes of data within her own organization, Frohlich helps banks and mortgage companies identify privacy and compliance risks and adopt data management best practices. For more information, visit jornaya.com.

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Julie Fry

Julie Fry is head of human resources and leads the learning and development department at Fairway Independent Mortgage Corp. She brings a wealth of knowledge gained through her years of experience in the HR profession, ensuring the organizational strategy is tied to business strategy. Her areas of expertise include strategic planning, mergers and acquisitions, leadership coaching, organizational development and training, talent acquisition and retention, compensation and benefits, performance management, career and succession planning, and change management.

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Tom Gable

Tom Gable is vice chair at Nuffer, Smith, Tucker, San Diego’s oldest public relations firm that merged with his firm, Gable PR, in 2015. Over the years, Gable has represented a range of clients throughout the U.S., including real estate and development companies, technology startups and Fortune 100 companies. Prior to starting Gable PR in 1976, he was business editor of the San Diego Evening Tribune and a correspondent for The Wall Street Journal.

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Rich Gagliano

Rich Gagliano is president of Origination Technologies for Black Knight Inc. (New York Stock Exchange: BKI), a premier provider of integrated software, data and analytics to the mortgage industry. As divisional leader, Gagliano is primarily responsible for the direction of Black Knight’s integrated suite of origination-focused solutions.

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Wei Gan

Wei Gan is chief technology officer and co-founder of Ribbon, where he leads the company’s product road map and vision. Through his extensive background and network in technology, software and development in Silicon Valley, Gan had a passion to start a company that was transforming the transaction of the homebuying process. Prior to Ribbon, Gan was senior software lead at Twitter.

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Philip Ganz

Philip Ganz is president of Next Wave Mortgage. With more than 24 years in the industry, his journey is marked by exceptional leadership, team-building prowess and profound mortgage expertise. A certified mortgage planning specialist, Ganz has garnered accolades as a top performer who is always at the forefront of industry trends and technologies. Passionate and dedicated, he simplifies the mortgage process for clients, ensuring they achieve their homeownership dreams through a seamless, supportive experience. Reach Ganz at (617) 529-9317.

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Christopher L. Gardner

Christopher L. Gardner, J.D., is a broker and licensed mortgage lender with 26 years of experience in the real estate and mortgage industries. He has examined more than 10,000 condominium associations and, as such, is one of the nation’s leading condominium experts. He is founder and CEO of Condofax, the original condominium association assessment report for buyers, insurers and brokers. He is an avid golfer, father, chef and writer.

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Carolyn Garris

Carolyn Garris is the senior marketing manager for Bellevue, Washington-based Evergreen Home Loans. She has worked remotely for more than two decades and is currently tasked with shaping the organization’s monthly communication toolkit to support home-office managers and managers at 70-plus branches. Garris also sits on the company’s associate appreciation committee, which is focused on ensuring recognition across the organization for all employees.

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Joanne Gaskin

Joanne Gaskin is the vice president of scores and analytics at FICO. She is responsible for the strategic direction of FICO’s scoring products and business partnerships serving the needs of the mortgage industry. Gaskin has more than 20 years of experience in banking and financial services. She led efforts to address some of the most important topics impacting the mortgage market today: regulatory compliance, credit-risk management, data security and eMortgages. She is a graduate of the Mortgage School of Banking, earning the accredited mortgage professional designation.

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Summer Gell

Summer Gell is a principal at Partner Engineering and Science Inc. She has more than 15 years of experience as an environmental scientist, during which time she has provided solutions for environmental and engineering due diligence. Gell is an expert on Fannie Mae and Freddie Mac financing, and has worked on hundreds of agency and multifamily deals. She also serves as the national account manager for several CMBS lenders and life companies. She has a bachelor’s degree in environmental health from Western Carolina University.

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Lorraine Geraci

Lorraine Geraci is vice president of learning and development for Finance of America Reverse LLC. She oversees a team that focuses on training, learning systems, technical writing and video production. Geraci has more than 15 years of experience in the reverse mortgage industry. She has educated thousands of reverse mortgage professionals and Realtors nationwide on the use of home equity to help people get to work on retirement.

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Sabine Ghali

Sabine Ghali is managing director at Buttonwood Property Management, a property-management company in Toronto. She is an entrepreneur at heart who endeavors to help investors in the greater Toronto area create real estate wealth over time. Ghali is a published author in a number of media out- lets, including Entrepreneur, the Toronto Sun and Gulf News, among others.

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Amit Ghole

Amit Ghole serves as CEO of Inflooens, a pioneering end-to-end digital mortgage framework centered around customer and employee experience. Built on the Salesforce platform, Inflooens delivers a unified, single-pane user interface for seamless collaboration across the loan origination process. Ghole live in Alpharetta, Georgia, with his wife and two children. Prior to founding Inflooens, he held leadership roles in heading Salesforce business units at major global IT service providers, catering to Fortune 500 clients. Reach Ghole at (678) 983-6602.

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Bill Giambrone, Don Calcaterra Jr. and David Wind

Eight years ago, Bill Giambrone, Don Calcaterra, Jr. and David Wind founded the Community Home Lenders Association (CHLA), a national group of smaller independent mortgage banks (IMBs). The goal was to give community-based mortgage lenders and servicers — and the consumers they serve — a distinctive voice and an effective advocacy impact with federal policymakers. Bill Giambrone is president and CEO of Platinum Home Mortgage, based in Rolling Meadows, Illinois. He has been in the industry for 33 years and started his own mortgage company in 1993. His top priority in the industry is to make sure home financing is available and affordable. Reach Giambrone at (847) 797-9500 or bill.giambrone@phmc.com. Don Calcaterra Jr. is president of Local Lending Group LLC, a privately held mortgage bank headquartered in Troy, Michigan, that originates and services mortgages and land contracts, primarily in the Midwest. He is the former chairman of the Michigan Mortgage Industry Advisory Board, and sits on the legal and regulatory committee of the Michigan Mortgage Lenders Association. Reach Calcaterra at (313) 550-3500 or donjr@fercmi.com. David Wind is a board member of the Community Home Lenders Association (CHLA). Wind has a unique combination of real-world owner-operator experience in traditional consumer-finance, strategic and operational roles at Silicon Valley fintech startups. He understands the challenges that traditional operators face, and successfully bridges the gap between legacy lending operations and products with technology solutions. He is the chief operating officer at RenoFi.com, a startup focused on home-renovation finance. Reach Wind at david@renofi.com or (415) 741-5626.

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Michael Gifford

Michael Gifford is the CEO and co-founder of Splitero, a home equity investment company that provides homeowners better options to access equity. By giving a lump sum of cash in exchange for a share of their home’s appreciation, Splitero helps homeowners easily access their equity without income or minimum credit requirements.

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Paul Gigliotti

Paul Gigliotti is the chief operating officer at Pinnacle Home Loans, a full-service direct lender and mortgage broker based in California. He is a veteran mortgage leader with more than 20 years of experience in the financial-services and technology industries. He has held executive roles for multiple mortgage lenders, and he has a distinguished track record of growing lending platforms while streamlining internal and external operational processes. Gigliotti also serves on the board of directors for the California Mortgage Bankers Association.

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Tom Gillen

Tom Gillen is senior vice president of capital markets for Churchill Mortgage. He brings more than 20 years of experience as a financial-services executive, with expertise in business development, product innovation and organizational leadership. Churchill Mortgage is privately owned by its more than 400 employees. A full-service and financially sound leader in the mortgage industry, the company provides conventional, FHA, VA and USDA residential mortgages across 44 states.

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Mitch Ginsberg

Mitch Ginsberg is co-founder and CEO of CommLoan, a commercial real estate lending marketplace that combines state-of-the-art technology with a concierge service to give borrowers unprecedented access to the capital markets.

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Joseariel Gomez

Joseariel Gomez is the founder and CEO of Shastic, an intelligent process automation platform that allows financial institutions to automate and significantly speed up banking processes while maintaining a personal touch. Gomez’s design of Shastic’s workflow automation architecture combines intelligent process automation with real-time analytics and artificial intelligence to fulfill data-driven automated actions along complex banking processes.

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Charles Goodwin

Charles Goodwin is senior director of sales at Kiavi, a leading provider of financing to real estate investors, where he oversees the company’s direct sales channels. He is also the co-founder and managing member of GBL Partners, a residential real estate company specializing in neighborhood revitalization through value-add opportunities. Goodwin and his wife live in San Diego.

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James Gosse

James Gosse is a commercial real estate technology thought leader with more than 20 years of experience in negotiating commercial property sales. Gosse is a co-founder and senior adviser at OakEx, an online marketplace for commercial real estate. Gosse is driven by his passions for technology and commercial real estate, and he has been instrumental in the development of numerous online commercial real estate marketplace platforms and related businesses.

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Russ Gould

Russ Gould is vice president of product and solutions marketing for Kofax. Gould’s enterprise software expertise spans content, process, compliance and document-capture disciplines. He is a published author with more than two decades of technology product marketing and consulting experience.

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Adam Gower

Adam Gower, Ph.D., is an authority in content marketing and online communications for the real estate industry. He has more than 30 years and $1.5 billion of transactional experience in commercial real estate finance and investment. Today, he builds best-of-class digital-marketing platforms for private clients so they can raise more capital online, and he provides online courses for those who want to do it themselves, all at gowercrowd.com.

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Susan Graham

Susan Graham is president and chief operating officer of Financial Industry Computer Systems Inc. (FICS), a mortgage-software company specializing in cost-effective mortgage loan origination, residential mortgage-servicing and commercial mortgage-servicing software for mortgage lenders, banks and credit unions. FICS’ software solutions use Microsoft .NET Framework and provide customers the flexibility to choose an in-house or cloud-hosting solution. FICS also provides document-management and web-based capabilities in its full suite of products.

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Ryan Grant

Ryan Grant is senior vice president and area manager for Fairway Independent Mortgage Corp. in the Pacific region. Grant also is the founder of an industry-changing platform, The Art of Homeownership, which helps to transform mortgage and real estate professionals into the most valuable people in their clients’ lives. To learn more about the platform and how you can become an Art of Homeownership-certified professional in your market, email register@artofhomeownership.com or visit artofhomeownership.com.

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Ken Grant

Ken Grant is the founder of Rubicon Coaching LLC. He has nearly three decades of experience in the mortgage industry and has helped numerous mortgage professionals become the best they can be. “Crossing the Rubicon” is a metaphor for taking a decisive and irrevocable step that leads to significant results. Grant uses his knowledge and skills as a coach to help his clients get to where they most desire to be.

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Eric Grant

Eric Grant is the marketing coordinator for Empower LO. After 21 years of trying to make a difference in the lives of his students as a high school English teacher and baseball coach, Grant went to work for one of his former ballplayers. Now working for Empower, he is helping to make a difference in the lives of mortgage originators across the country. Check Empower LO’s blog and its “done for you” lead-generation system at empowerfunnels.com.

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Noah Grayson

Noah Grayson is president of South End Capital, a division of Stearns Bank, N.A. The $2.2 billion financial institution is an SBA preferred lender and a top nationwide business and equipment lender. South End Capital offers an innovative balance-sheet lending and comprehensive marketplace financing delivers a full spectrum of capital solutions for emerging and expanding businesses. South End Capital’s tech-enabled platform and premier customer support offers equal access to industry-leading conventional and alternative funding. Reach Grayson at (320) 202-6106.

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Jonathan Green

Jonathan Green is president of Green Environmental Management, a nationwide commercial real estate environmental due-diligence company. Green has experience in air-quality management, soil vapor and groundwater monitoring, and environmental site assessments (ESAs). He has performed ESAs across a wide range of property types and sizes. His focus is aimed at ending the environmental “study cycle” by securing site closure to cap clients’ ongoing costs and liabilities. Reach Green Environmental Management at (855) 277-5307.

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Robert Greenberg

Robert Greenberg is chief marketing officer at Patch of Land. He is responsible for overseeing the company’s sales and market efforts, including loan originations, branding, corporate communications, lead generation, and sales and marketing automation. Prior to coming to Patch of Land, Greenberg led the marketing efforts for Blackstone’s B2R Finance, where he helped originate more than $1 billion in real estate transactions.

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Barry Greenfield

Barry Greenfield is the founder and CEO of LocalWorks, a fast-growing, shared office-space provider that partners with property owners and sublessors to act as the in-house agency for filling vacant office space with individuals and small businesses. LocalWorks currently has 22 locations in five states around core metropolitan areas and is growing.

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Ari Gross

Ari Gross, Ph.D., is the founder of SoftWorks AI. He has been very active in the research and development of new methods and technology in the areas of computer vision and optical character recognition, imaging, artificial intelligence (AI), machine learning for 20 years. Before creating SoftWorks AI, Gross shifted the focus of his previous company from document optimization to business-process automation.

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Jayendran GS

Jayendran (Jay) GS is a co-founder of Prudent AI, a leading fintech platform that is designed to accelerate the mortgage automation process using artificial intelligence (AI). He works with leading nonqualified mortgage lenders to transform their bank-statement loan programs. He is an accountant turned data scientist with rich experience in the finance and technology intersection, including as analytics director at accounting firm EY. He believes in the power of technology, especially AI, to make game-changing transformations to the credit and underwriting processes in the lending business.

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Kevin Guest

Kevin Guest is chairman and CEO of USANA Health Sciences, a global health and nutritional supplements company. He is a Direct Selling Association board member and is a member of the CEO Council for the World Federation of Direct Selling Associations. Guest is the author of “All the Right Reasons: 12 Timeless Principles for Living a Life in Harmony.”

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Chris Guidici

Chris Guidici is the director of sales for Wipro’s digital mortgage operations and platforms, which serves the complete mortgage industry life cycle, and Opus Capital Markets Consultants LLC, a specialized risk-management and quality-control service provider for a wide range of participants in the mortgage and consumer lending industries. For more information, visit wipro.com or opuscmc.com.

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Mike Gulitz

Mike Gulitz is founder and CEO of Jungo, the developers of the mortgage industry’s first tier-one customer relationship management (CRM) application. His years of industry experience and professional mission to change the way business people work led him to creating high-performance, cloud-based CRM applications. Jungo offers a best-in-class marketing and CRM solution designed for mortgage and real estate professionals.

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Vaibhav Gupta

Vaibhav Gupta is the vice president and head of products at Visionet Systems. He has more than 20 years of experience in establishing tech businesses, building teams from the ground up and developing world-class products across multiple domains. Gupta owns the product and business strategy for the entire business, financial-services and insurance portfolio at Visionet. He leads a team of more than 70 engineers, data scientists, product managers and marketers spread across three time zones and two continents. Reach Gupta at info@visionet.com.

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Dan Gushue

Dan Gushue is chief credit officer of Extensia Financial, one of the nation’s premier credit union service organizations that specializes in commercial and multifamily real estate lending nationwide. With a unique balance of skills as a lender and a former business-development professional, Gushue understands the importance of building a business while balancing sound credit quality. He is responsible for daily oversight and management of production operations within Extensia Financial, in addition to monitoring and aligning policies and procedures toward sound credit quality.

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Michael Haffey

Michael Haffey is managing partner of Pendella, which specializes in employee benefits, human resources and insurance. His passion for more than 30 years has been creating and deploying innovative strategies to assist employers and employees in controlling health insurance costs, while allowing them to get the best health care possible. He’s a proponent of industry association health plans such as NAMB+ from the National Association of Mortgage Brokers. He also is a published author and frequent speaker. Reach Haffey at michael@pendella.com or (833) 736-3355 ext. 1007.

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Theresa Hagman

Theresa Hagman is a founding partner of Specialty Mortgage Product Solutions LLC. Hagman has 30 years of national fulfillment experience, with a proven record of maintaining operational excellence while driving down loan expenses. She has specialized in governance and compliance, with an emphasis on bond, construction and renovation products. She has a bachelor’s degree in political science from San Diego State University and a J.D. from the Ventura College of Law.

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Ann Hambly

Ann Hambly is the founder and CEO of 1st Service Solutions, a full-service CMBS advisory company with a singular focus on owners and borrowers. Founded in 2005, the company also is the first borrower-advocate company ranked by Morningstar Credit Ratings. Hambly has 30 years of experience heading up some of the largest servicing groups in the industry, including Prudential, GE Capital and Nomura, and has negotiated hundreds of pooling and servicing agreements for CMBS transactions.

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Jordan Hamling

Jordan Hamling serves as senior director of mortgage verifications services at Equifax. Hamling is responsible for solution sales, client management, project management, strategic planning, market analysis and negotiations. He possesses nearly a decade of experience in the mortgage industry, where he has served as an executive consultant to businesses seeking growth and expansion, and as the lead to a successful mortgage banking team. He also served as an intelligence officer with the U.S. Army National Guard.

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Pamela Hamrick

Pamela Hamrick is president of Incenter Diligence Solutions, which provides due diligence, quality control and document management services for lenders and depositors. Prior to working for Incenter, Hamrick held roles as senior vice president of operations for Lending.com and First Financial Services. She managed the company’s processing, underwriting, closing, funding, compliance, disclosure, quality control and post-closing departments, as well as the development and maintenance of its loan origination system. Visit incenterdiligence.com.

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Alec Hanson

Alec Hanson is senior vice president of production at loanDepot and oversees the retail channel’s Pacific Southwest Division. He has been recognized over the years as a top 1% loan originator, team builder and industry thought leader. Hanson was instrumental in the development and execution of loanDepot’s Modern Lending Playbook, which aims to help originators thrive in today’s industry. Learn more about the playbook at showupevolve.com. Reach Hanson at (714) 464-1157 or ahanson@loandepot.com.

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Devin Haran

Devin Haran is president and chief operating officer of Kukun. Previously, Haran served as managing partner at Somerset Hills Capital and as a research analyst at ARX Investment Management and the Royal Bank of Canada. Kukun partners with top-tier providers in the lending, insurance, retail, real estate and wealth-management sectors to aid homeowners’ financial needs. Kukun’s solutions are available on a white-label basis via trusted partners such as Chase and SoFi.

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Mike Hardwick

Mike Hardwick is founder and president of Churchill Mortgage, a leader in the mortgage industry providing conventional, FHA, VA and USDA residential mortgages across 46 states. Hardwick’s autobiography, “Keep Chopping Wood: A Pastor’s Son Who Had it All, Lost it All, and Then Regained True Wealth,” offers guidance and advice on how to achieve both business and personal success while leading a happier, more meaningful life in the service of others.

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John Haring

John Haring serves as director of product management for Ellie Mae, the leading cloud-based platform provider for the mortgage finance industry. Throughout his career, Haring has helped banks, lenders and brokers implement significant regulatory changes that impact the mortgage industry.

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Siobhan Harold Fink

Siobhan Harold Fink is vice president of workspace consulting for Pacific Program Management (PPM). A member of PPM’s senior leadership team, she powers the firm’s strategic consulting practice and drives innovation in markets across the U.S. and Canada. Fink focuses on helping businesses reimagine their workspace strategies to value real estate as an asset rather than as a cost center, drawing on more than 20 years of experience as an adviser on the creation of global real estate portfolio plans for Fortune 500 and 1000 companies. Reach Fink at siobhan.haroldfink@pacificpmg.com.

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Chris Harrington

Chris Harrington is president and co-founder of Usherpa, the company that developed the original CRM technology for the real estate and mortgage industries. She has more than 25 years of experience in high-tech real estate and mortgage relationship management.

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Dan Harrington

Dan Harrington is CEO and co-founder of Usherpa, a customer relationship management-relationship engagement platform that empowers mortgage lending and real estate professionals with intuitive automated marketing, engagement tools and customized content. He has more than 25 years of experience in integrated fintech relationship management, developing state-of-the-art CRM platforms combined with automated content marketing services.

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Scott Harris

Scott Harris is the founder and CEO of SocialSurvey and co-founder of BuyersRoad Inc. He has held senior executive positions for mortgage lending and real estate companies, and he has been creating technology solutions for these industries for more than 15 years.

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Brittany Hart

Brittany Hart is founder of Platinum Cubed, a Salesforce implementation consulting firm with locations in Chicago, Irvine, New York, Phoenix and San Diego. Her company specializes in helping commercial mortgage origination companies optimize their Salesforce presence to improve onboarding, analysis and retention of key investment acquisitions and asset opportunities.

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Farrukh Hasanov

Farrukh Hasanov is co-founder and CEO of Hasanov Capital. He is an experienced entrepreneur with more than 10 years of experience launching and managing successful businesses, including two retail pharmacies in Brooklyn, New York, and security-integration consulting company NeoRising Technologies. Hasanov also is an active real estate investor specializing in acquisitions, repositioning, refinancing and sales of multi-family properties.

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Jim Hawksworth

Jim Hawksworth is director of operations at Realfinity, which passionately believes in providing homeowners with the insight they need to make the right financial investments at the most pivotal times. In working with the nation’s leading mortgage lenders, Realfinity enables loan advisers to offer homeowners the unique HomeDashboard platform, allowing borrowers an opportunity to gain access to up-to-date housing information daily. To learn more, visit realfinity.io.

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T.R. Hazelrigg IV

T.R. Hazelrigg IV is president and co-founder of Avatar Financial Group. His primary focus is loan origination and development of Avatar’s broker network. Over the course of his career, Hazelrigg has originated, structured and funded in excess of $1 billion in nonconforming loans.

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John Heck

John Heck is senior adviser of lending solutions at Capacity, a software-technology company that uses artificial intelligence to automate support for clients and employees. He has held senior-level positions at IBM, EMC², First American, Fidelity National Financial, PNC Financial and Citigroup. Heck’s passion is to transform the mortgage industry by delivering a digitally native and cloud-delivered mortgage platform, which standardizes asset creation based on investor needs while delivering a true value proposition for lenders and borrowers.

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Nick Hedges

Nick Hedges is CEO of MomentFeed, and is a 20-year veteran of the internet and software-as-a-service industry. Hedges joined MomentFeed after serving as senior vice president at Ellie Mae, the leading cloud-based mortgage platform provider. Previously, Hedges was president and CEO of Velocify, the leading consumer-sales acceleration platform for mortgages and other financial services. He helped orchestrate the successful sale of Velocify to Ellie Mae in 2017. Reach Hedges at nhedges@momentfeed.com.

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Leslie Heimer

Leslie Heimer is the relationship manager for American Liberty Mortgage in Orlando, Florida. A sixth-generation Central Florida native, Heimer provides a high-touch lending experience in the Florida branch offices for the nationwide lending company. She has earned a spot on National Mortgage Professional Magazine’s “Mortgage Banking’s Most Powerful Women” list and has been featured in the Orlando Business Journal for her community-relations efforts, in addition to her entrepreneurial spirit.

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Kevin Henderson

Kevin Henderson is director of commercial loan underwriting at District, where he is responsible for the underwriting and structuring of bridge loans. He attended Santa Clara University and graduated with a bachelor’s degree in finance. Henderson worked as an office and industrial real estate specialist at Marcus & Millichap, then joined New York Life Real Estate Investors (NYLREI) in its San Francisco field office. At NYLREI, he was responsible for underwriting and analysis of more than $5 billion in real estate in multiple sectors and geographies.

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Jennifer Henry

Jennifer Henry is vice president and vertical-marketing leader at Equifax Mortgage Services. She is responsible for pricing, product management, product marketing, campaign management, and mergers and acquisitions. Henry brings more than 20 years of experience to her position at Equifax, including operations, technology, marketing, sales, product management, mortgage loan quality and loan-origination services. Prior to her position at Equifax, she held leadership roles at First American Mortgage Solutions and Fannie Mae.

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Selma Hepp

Selma Hepp is the chief economist for CoreLogic, the nation’s largest provider of advanced property and ownership information, analytics and data-enabled services. Hepp leads the economics team, which is responsible for analyzing, interpreting and forecasting trends in real estate, mortgage and insurance. Prior to joining CoreLogic, she was chief economist and vice president of business intelligence for Pacific Union International, later acquired by Compass. Visit CoreLogic at corelogic.com.

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Kristen Herhold

Kristen Herhold is the public relations editor at Clever Real Estate, the nation’s leading real estate education platform for homebuyers, sellers and investors. In her free time, Herhold enjoys reading, traveling, and cheering on the Denver Broncos and Missouri Tigers. Connect with Herhold on LinkedIn.

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Hiroshi Hishida

Hiroshi Hishida is the owner of North Star Capital Manage- ment LLC, an investment-adviser company that helps people achieve their financial and retirement goals. Hishida worked for 10 years for Greenpoint Mortgage as a wholesale account executive. To learn more about North Star Capital Management, visit northscm.com.

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Christopher Hoeffel

Christopher Hoeffel is president of CoreVest Finance, the leading lender to residential real estate investors nationwide. Hoeffel has more than 30 years of experience at top financial institutions and remains active in the finance industry. He is a former president of the Commercial Mortgage Securities Association (now the CRE Finance Council) and remains on its board of governors, and also has held leadership roles at the Mortgage Bankers Association. Prior to CoreVest, Hoeffel was managing director at Investcorp, where he was head of real estate debt investments.

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Paul Hoffman

Paul Hoffman is senior vice president of commercial banking and senior director of C-PACE for Western Alliance Bank. Based in Los Angeles, Hoffman works with commercial-property owners and developers in more than 30 states that have adopted C-PACE initiatives. He brings more than 25 years of experience in construction financing in both residential and commercial real estate to the ever-expanding C-PACE funding market.

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Steve Hoke

Steve Hoke is vice president and general manager for mortgage and commercial lending solutions at Finastra. With more than 20 years in the financial-services industry, Hoke brings to his role a wealth of experience in fintech, insurance, lending and investment banking. His background allows him to lead a strategic product team focused on improving the lending experience for homebuyers and businesses across the country.

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Suzanne Hollander

Suzanne Hollander is an attorney and professor teaching real estate law, property rights and commercial leasing at Florida International University, and previously taught at New York University. She is the broker of Hollander Realty LLC, representing Florida buyers and sellers. Hollander offers real estate education, speaking and consulting services to lenders, owners, buyers and government entities through her company, Professor Real Estate LLC. She authors the blog at professorrealestate.com. Reach Hollander at suzanne@professorrealestate.com or (786) 202-0587

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Brian Honea

Brian Honea is a freelance writer based in the Dallas area. He has won many awards for his work in newspapers and has published five nonfiction books. Honea has been a writer and editor across many forms of media for 25 years, including for various mortgage industry publications and for Alchemi Advisory Group. To learn more about Alchemi, visit thealchemigroup.com or email info@thealchemigroup.com.

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Andra Hopulele

Andra Hopulele is a senior real estate writer with Point2, which covers real estate market trends and news, and develops original studies on many real estate topics. Hopulele covers the impact of housing issues on everyday life. She writes about the financial implications of new generations entering the housing market and about the challenges of homeownership.

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Houtan Hormozian

Houtan Hormozian is a co-founder and executive at Crestico Inc. He is an experienced mortgage professional with nearly two decades of accomplishments in both wholesale and retail operations. He currently serves as the president of the California Association of Mortgage Professionals and as treasurer of its North Los Angeles Chapter. Hormozian’s expertise centers around brand development and recognition, product launch, market share, distribution, expansion and operations efficiency.

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Jonathan Hornik

Jonathan Hornik is a founding partner at LaRocca Hornik Rosen & Greenberg in New York City, and is chair of the law firm’s private lender group. A specialist in private lending, Hornik actively represents more than 100 lenders across the country. His firm provides nationwide, 24-hour closing services; title review and negotiation; master loan purchase agreements; private placements; and regulatory and compliance review. Hornik advises on real estate foreclosures and nonperforming loan workouts. For more information, visit privatelenderlaw.com. Reach Hornik at jhornik@privatelenderlaw.com or (212) 536-3529.

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Brent Houston

Brent Houston is chief executive officer with ALTRA Mortgage Capital LLC, an Orange County-based lender built to serve third-party originators and provide access to non-agency and hard money mortgage products with its online non-QM pricing and eligibility engine plus turn-time guarantees for certainty of close. Houston has 15 years of experience in the underwriting, system integration, marketing and origination of private money real estate loans throughout the United States.

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Raf Howery

Raf Howery is the founder and CEO of Kukun, a data and analytics platform for home remodeling and property conditions that serves the mortgage, real estate, insurance and retail industries. Kukun was founded in 2014 in Menlo Park, California. Howery has built more than 10 complex analytics and orchestration platforms for Kukun, and for his previous clients in data- and analytics-intensive industries. Visit Kukun at mykukun.com.

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Troy Huerta

Troy Huerta is president of SRE Mortgage Solutions in El Segundo, California. With more than 25 years of extensive entrepreneurial experience, he has always adjusted his business for the benefit of his clients. Prior to joining SRE, Huerta started his own mortgage company in 2000, where he recruited, managed and trained a successful team of mortgage originators and real estate professionals. Huerta is a licensed mortgage originator and holds a California real estate broker’s license.

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Roger Hull

Roger Hull is the chief product officer of Origence, which developed the Origence origination platform, an end-to-end solution that powers mortgage, consumer and home equity lending for financial institutions.

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Dan Hultquist

Dan Hultquist is vice president of organizational development at Finance of America Reverse (FAR), the largest wholesale provider of reverse mortgages. He also is the author of “Understanding Reverse,” a book that has become the industry standard for simplifying reverse mortgage guidelines. Hultquist is a certified reverse mortgage professional and is an active member of the National Reverse Mortgage Lenders Association (NRMLA).

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Bill Humphrey

Bill Humphrey is CEO and co-founder of New Direction Trust Co. He is a recognized expert in the self-directed retirement industry and has more than 20 years of experience as a certified public accountant with a background in forensic accounting. Humphrey regularly gives workshops about IRA investing to eager audiences at workshops across the U.S.  New Direction Trust Co. is a provider of self-directed IRAs and HSAs, as well as investor education to enable clients to combine the tax advantages of their IRA or HSA with alternative assets suited to individual goals.

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Christopher Hurn

Christopher Hurn is the founder and CEO of Fountainhead Commercial Capital, an industry-leading, national nonbank lender founded in February 2015 by some of the most experienced and awarded small-business lenders in the U.S. The company specializes in SBA 504 loans and low loan-to-value commercial real estate loans, ranging from $200,000 to $20 million. Having literally written the book on SBA 504 loans, Hurn loves sharing the benefits of the program with all owners of small to midsized businesses.

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Andrew Hurst

Andrew Hurst is a data writer at ValuePenguin who reports on insurance. His analysis has been featured in Forbes, MSN and Fox News, among others. He’s also appeared in interviews broadcast by ABC and The CW Network. He previously taught composition and research at Wright State University.

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Christopher Hussain

Christopher Hussain is CEO of RealKey, a mortgage submission platform that he founded in 2015. A born entrepreneur, in 2013 he also co-founded Sindeo, a San Francisco-based startup that raised $50 million to create a new mortgage experience. As a recognized business and thought leader in the industry, he has successfully scaled numerous mortgage companies. In his current role at RealKey, Hussain is leveraging his breadth of industry experience to transform and enable faster, more efficient mortgage processing.

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Ed Hussey

Ed Hussey is the head of agency lending for Sabal Capital Partners LLC, a wholly owned subsidiary of Regions Bank, where he oversees production across the nationwide lender’s Freddie Mac and Fannie Mae loan programs for multifamily properties. Additionally, Sabal offers debt financing through its CMBS loan program to serve core commercial real estate assets nationwide. Visit sabal.com.

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Chris Hutchens

Chris Hutchens is a branch manager and senior vice president at Guaranteed Rate. He also is a member of the company’s President’s Club and Chairman’s Circle. Hutchens graduated in 1993 from the University of North Carolina, Wilmington, with a bachelor of science degree in finance. Hutchens has been in the mortgage industry since 1997 and joined Guaranteed Rate in 2013. He has lifetime origination volume of nearly $2 billion.

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Tom Hutchens

Tom Hutchens is executive vice president of production at Angel Oak Mortgage Solutions, an Atlanta-based wholesale and correspondent lender leading the non-QM space for five years and licensed in over 35 states. Hutchens has been in the real estate lending business for nearly 20 years.

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Jason Hutton

Jason Hutton is senior vice president and chief operating officer of Sherman Bridge, which provides fast and reliable capital for real estate investors. Through its proprietary marketplace, The Bridge, the company offers a variety of vetted and flexible debt options to help borrowers purchase and rehab investment properties to either sell or rent. Financing provided through The Bridge makes it possible for investors to take on more projects at the same time, make extensive improvements and scale their real estate investment business faster.

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Michael Innis-Thompson

Michael Innis-Thompson is a senior vice president and head of community lending and development at TD Bank, where he drives the company’s Community Reinvestment Act (CRA) operational strategy and execution across consumer and commercial lending. He also is responsible for building and directing TD Bank’s CRA and multicultural lending strategy for mortgage and equity, which includes strategic development and evolution of the community mortgage sales origination model, enhancement of product offerings, and the development of marketing and channel strategies to better serve low-income, moderate-income and multicultural communities.

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Michael Internoscia

Michael Internoscia is a principal partner at M&M Private Lending Group, which does business in Florida, Colorado and New York. Internoscia has been a licensed real estate broker and mortgage broker for 20-plus years. His focus has been in the residential investment-property markets for foreign nationals and Northeast investors. He has worked in the trenches in the mortgage industry, assisting investors and real estate agents. Nine years ago, he entered into the private-lending business.

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Michael Isaacs

Michael Isaacs is CEO of Go Mortgage. With a career spanning 25-plus years, Isaacs fulfilled his passion of owning a mortgage company again by purchasing Go Mortgage in November 2021. Prior to the acquisition, Isaacs was the regional vice president of sales for Fairway Independent Mortgage Corp. for five years. He previously served as president and CEO of Residential Finance Corp. (RFC). Under his watch, revenue at RFC increased by 68% in four years and it was named to the Inc. 5000 list of the nation’s fastest-growing private companies.

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Mat Ishbia

Mat Ishbia is president and CEO of United Wholesale Mortgage (UWM). His company offers Success Track, comprehensive training in a series of courses for mortgage brokers, whether they’re new to the industry, transitioning to wholesale lending or looking for a resource for recent hires. One of the nation’s leading advocates for mortgage brokers, Ishbia has changed the lending platform, turning UWM into a $41 billion company and the No. 1 wholesale lender in the country.

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Ermengarde Jabir

Ermengarde Jabir, Ph.D., is an economist at Moody’s Analytics Reis. She specializes in commercial real estate with particular expertise in real estate investment trusts.

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Pat Jackson

Pat Jackson is CEO of Sabal Capital Partners LLC, a lender specializing in the small-balance space. Sabal’s proprietary SNAP lending platform enables automation and efficiency in the lending process, two key drivers of the company’s continued high-volume record of closings.

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Will Jackson

Will Jackson is the wholesale sales manager at Angel Oak Prime Bridge, an Atlanta-based lender for real estate investors. Jackson has worked in the mortgage industry for more than 20 years, six of which were spent in construction lending.

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Chad Jampedro

Chad Jampedro is president and co-owner of GSF Mortgage Corp. The company has been successfully lending for more than 23 years, with the average tenure of a GSF Mortgage Corp. employee being more than 10 years.

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Jammie Jelks

Jammie Jelks is vice president of operations at Legacy Home Loans. Born and raised in Riverside, California, Jelks is a husband, father and seasoned mortgage professional with a passion for all things mortgage. He has more than 10 years of experience in management, underwriting and processing. Jelks has worked with top-producing brokers, retail branches, wholesale lenders and consumer direct companies, providing a unique take on the different ways mortgage companies can deliver services.

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Matt Johnner

Matt Johnner is president and co-founder of BankLabs. The mission of BankLabs is to reimagine banking products of the future through community-oriented technologies that create new fee income, attract deposits, expand loan opportunities and differentiate the financial institution from competitors. BankLabs believes that community banking is a way of doing business, not a size, location or traditional definition.

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Luke Johnson

Luke Johnson is founder and CEO of Neat Capital. Johnson has extensive experience in real estate, finance and corporate development, having completed mergers, acquisitions, turnarounds and divestitures in the U.S., Latin America and Europe. He holds a finance degree from Tulane University and an MBA with honors from the University of California, Berkeley. He lives with his wife and two daughters in Boulder, Colorado.

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Adam Johnston

Adam Johnston is chief appraiser and director of investigations for Genworth Mortgage Insurance. In addition to his 25 years of appraisal experience, Johnston is a former police officer and served in the United States Marine Corps. Johnston is a designated member of the Appraisal Institute and also was elected as 2018 chair of The Appraisal Foundation Board of Trustees. The statements in this article are solely Johnston’s opinions and do not reflect the views of Genworth or its management.

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Kris Jones

Kris Jones is vice president of originations at PACE Loan Group (PLG), which is a C-PACE balance-sheet lender and a leading provider of energy-efficient and clean-energy loans for multifamily housing and commercial real estate. Based in Eden Prairie, Minnesota, PLG has offices in California and New Jersey, and the company operates as a direct originator and servicer throughout the U.S.

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Andrew Jones

Andrew Jones is a vice president at global consultancy SSA & Company. Focused on the financial services and real estate sectors, Jones has over 25 years of senior-level experience in banking, insurance and real estate at companies such as Barclays, Cushman & Wakefield, HSBC, Hiscox and Prudential. He is skilled in cross-functional leadership, productivity and cost improvement, restructuring activity, change management, resilience and risk.

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Evelyn Jozsa

Evelyn Jozsa is a creative writer at CommercialEdge, covering commercial real estate trends and insights in the U.S. Jozsa was previously a senior associate editor at Multi-Housing News and Commercial Property Executive. She has an academic background in journalism and Irish studies. Jozsa has been covering the commercial real estate industry since 2017.

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Ben Kadish

Ben Kadish is the president and founder of Maverick Commercial Mortgage Inc. and is a mortgage banking professional with more than 37 years of experience. Kadish’s primary focus is funding commercial mortgages ranging from $1 million to $40 million for income-producing properties.

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Yatin Karnik

Yatin Karnik is founder and CEO of Confer Inc. After 18 years in the home lending industry as a senior vice president for Wells Fargo Home Mortgage, Karnik realized that homebuyers and those looking to refinance existing mortgages needed a solution to democratize their loans and get a better deal. In furtherance of this goal, he founded Confer Inc., developing a revolutionary and disruptive application that will allow consumers to compare loan estimates. Reach Karnik at info@confer.today.

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Kevin Karty

Kevin Karty is vice president of borrower engagement at Aspen Grove Solutions, which helps banks and servicers automate complex workflows with simple, flexible and compliant technology. In his role, Karty focuses on building innovative solutions to revolutionize customer interaction. Aspen’s end-to-end integration of back-end workflows with optimized customer-facing digital experiences lets mortgage companies dramatically cut costs and improve success rates. Karty earned his Ph.D. in political economy from MIT, and degrees in politics and economics from Brandeis University.

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Dean Kelker

Dean Kelker is senior vice president and chief risk officer at SingleSource Property Solutions. He has been responsible for managing regulatory, compliance and financial risks for the past 10 years. Additionally, he manages the valuation business for SingleSource. Kelker serves on the board of directors of the Real Estate Valuation Advocacy Association (REVAA) and was the 2020 REVAA president. He also has worked as a volunteer and board member for Habitat for Humanity of Greater Pittsburgh.

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Ryan Kelley

Ryan Kelley is the founder of The Home Loan Expert LLC. In less than a decade, Kelley has gone from selling mortgages door to door to his neighbors to running one of the fastest-growing mortgage banks in America. Kelley rose to prominence with hard work and dedication, along with pioneering new techniques to get mortgages closed faster than anyone else in the business. With the addition of Hero.Loan, the rapidly expanding Veterans Affairs loan product, his company is growing every day.

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Denis Kelly

Denis G. Kelly is senior vice president of correspondent/national wholesale for Sprout Mortgage, a leading non-agency/non-QM lender with broker/correspondent-friendly platforms focusing on loans in the following categories: jumbo/super jumbo “near miss,” no-income verification investment loans, self-employed borrowers/bank-statement loans, recent credit events/challenging FICOs — all up to $20 million.

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Keith Kemph

Keith Kemph is president and CEO of BlackFin Group, a boutique management consulting firm that specializes in the financial-services and mortgage banking industry. Working with lenders, banks and credit unions of all sizes, BlackFin Group routinely moves clients forward by effectively guiding the implementation of both business strategies and technology initiatives. BlackFin Group has founded proprietary strategies, technologies, models and frameworks that routinely reduce expenses while increasing productivity and revenue. Visit blackfin-group.com.

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John Keratsis

John Keratsis is president and CEO of Deephaven Mortgage, a leading provider of nonagency and non-QM loans. Deephaven was founded in 2012, and offers its products through a nationwide network of independent mortgage brokers and correspondent lenders. Keratsis joined the company in 2021. Previously, he was CEO at Boston National Title Agency and senior managing director at Incenter, Boston National’s parent company. Visit deephavenmortgage.com. Reach Keratsis at jkeratsis@deephavenmortgage.com.

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Greg Kerr

Greg Kerr is the owner of Alchemy Merch, which creates custom merchandise for companies. Alchemy has made over 4 million custom products for artists, brands and creatives in all fields. Kerr guides artists and corporate clients through the process of creating quality custom merchandise that helps them increase brand awareness and achieve customer loyalty. He is a musician and performs in a heavy hardcore band. He first started creating merchandise for brands while touring with his punk rock band in the early 2000s.

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Jarred Kessler

Jarred Kessler is the founder and CEO of EasyKnock, a property-technology company looking to revolutionize the housing industry by offering unique equity-release programs. He previously worked at Cantor Fitzgerald & Co. as the global head of equities. With experience at Credit Suisse, Morgan Stanley and Goldman Sachs, Kessler has a wealth of knowledge about the financial sector, the housing market, and economic trends.

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Lisa Kimball

Lisa Kimball is senior vice president of product and strategic programs for Finicity, a Mastercard company. In this role, Kimball works with clients, partners and industry innovators to advance the use of creative thought around consumer-permissioned financial data through Finicity’s open-banking platform. Kimball and her team are consistently improving Finicity’s current product suite while also creating next-generation client experiences to streamline lending processes, expand credit access and improve consumer financial awareness.

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Kirk King

Kirk King is president of Halo Programs, whose MortgageHalo software platform includes additional features and enhanced functionality to serve mortgage originators. King also is the past president of the Michigan Mortgage Lenders Association, Southeast Chapter. Learn more about HaloMortgage at haloprograms.com/mortgagehalo.

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Deb Klein

Deb Klein is the branch manager of the Dublin, California, branch of Planet Home Lending. Klein and her team believe that mortgage origination should be approached with honest and straightforward communication that educates clients.

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Lisa Klika

Lisa Klika is senior vice president and chief compliance officer at Guild Mortgage, overseeing the company’s risk-management, compliance, quality-assurance and legal functions. Klika has more than 15 years of experience in the industry and currently serves as vice chair of the Mortgage Bankers Association’s state legislative and regulatory committee. She also served on the MBA’s residential board of governors advisory committee and was chair of the MBA’s regulatory compliance committee.

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David Knudson

David Knudson is the president and co-founder of Gravity Capital LLC, a direct-lending alternative finance company based in Orem, Utah. Knudson oversees loan procurement, underwriting and risk management. With more than 40 years of real estate experience, from acquisitions and finance to dispositions, Knudson can quickly assess a hard money loan scenario, determine its viability and close the deal. Knudson also has found success as an author, speaker and investor.

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Suzanne Konstance

Suzanne Konstance serves as vice president of product management and marketing for Wolters Kluwer Lien Solutions. She and her team focus on understanding and solving market problems to provide effective, innovative solutions and execute powerful go-to market strategies. Prior to joining Wolters Kluwer Lien Solutions, Konstance held senior-level positions for companies such as Pitney Bowes, Citibank and MetLife. Konstance earned a bachelor’s degree from Cornell University and a master’s in business administration from Northwestern University’s Kellogg School of Management.

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David Kotter

is principal of Integrity Capital LLC, a limited liability company and commercial mortgage brokerage based in Scottsdale, Arizona. As a premier commercial mortgage finance consultant, the company provides a broad range of real estate services, including commercial debt financing, insurance and finance consulting.

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Eric Krattenstein

Eric Krattenstein is a partner, chief marketing officer and head of sales for Asset Based Lending (ABL), a private commercial mortgage lender that has funded more than 3,000 loans with a combined value of more than $1.1 billion for residential and mixed-use commercial properties. ABL is operated by knowledgeable and experienced real estate lenders who want to help investors succeed. Its mission is to help investors quickly and efficiently finance their business activities. Learn more at www.abl1.net.

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David Krebs

David A. Krebs is president of DAK Mortgage and is an originator of commercial mortgage loans nationwide, as well as residential loans in Florida. Krebs offers all types of commercial financing, from construction and renovation to debtor in possession. His residential business focuses on foreign nationals, nonwarrantable condominiums and jumbo loans. Krebs also specializes in “turndowns” by helping borrowers who were denied by banks get approved elsewhere. Visit his website at https://davidakrebs.com/.

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Tom Kriby

Tom Kriby is vice president of client development and partnerships at Westwood Insurance Agency in West Hills, California, where he is responsible for national account management and business development. He has more than 16 years of sales, actuarial and risk-management leadership experience. Kriby previously served as assistant vice president of national programs for Universal North America. Prior to Universal, Kriby held roles with Benfield Inc., JPMorgan Chase and Tower Hill Insurance Group. He holds a bachelor’s degree in business administration from the University of Florida.

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Scott D. Kriss

Scott D. Kriss is president and CEO at Kriss Law/Atlantic Closing & Escrow. Kriss founded the company in 2008 and quickly grew the full-service title and settlement services firm into a national provider, earning multiple awards as Banker & Tradesman’s top regional closing firm. Today, Kriss Law/Atlantic Closing & Escrow is licensed in 30 states and partners with mortgage lenders of all sizes.

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Brian Kucab

Brian Kucab is director of underwriting at Genworth Mortgage Insurance. He has held various leadership roles with a focus on risk assessment and mitigation, as well as process enhancement. Kucab began his financial services career as a residential underwriter before joining Genworth in 2007 to focus on contract-underwriting recourse. In 2009, he moved into loss mitigation as director of investigations, with responsibility for delinquent loan reviews and forensic underwriting.

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Chad Kusner

Chad Kusner is president of Credit Repair Resources LLC. He has 20 years of lending, credit and consumer law experience. He is a former originator, is FICO Pro certified, and is a former director of the National Association of Credit Services Organizations, the trade association for credit repair. Kusner co-hosts creditexpertsummit.com, and speaks nationwide on credit and consumer protections.

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Jerry Kussy

Jerry A. Kussy is vice president of lending with Liberty Bank for Savings, a community bank in Chicago. Being in the mortgage industry for over 12 years as a loan officer and president of a local mortgage company, Kussy understands the importance of building referral relationships. In his current role at Liberty Bank for Savings, Kussy is involved with strategic planning for the lending department.

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Ivan Kustic

Ivan Kustic is a vice president at MetroGroup Realty Finance, a private mortgage banking company that specializes in providing capital advisory and mortgage banking services for properties throughout the U.S.

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Steve Kyles

Steve Kyles is a partner with Mortgage Marketing Animals, one of the top mortgage coaching programs in the country for loan officers, and he is a top-producing branch manager at Success Mortgage Partners. He also is the host and founder of the energetic and value-packed “Loan Officer Leadership” podcast, one of the top podcasts for loan officers nationwide. Kyles is passionate about coaching other loan officers and sharing tools that help them succeed in their business.

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Erica LaCentra

Erica LaCentra is chief marketing officer for RCN Capital. She is responsible for planning, developing and implementing the firm’s marketing plan as well as overseeing its marketing department. After joining RCN Capital in 2013, LaCentra led a strategic rebranding to position the company for nationwide expansion. Her ongoing efforts have rapidly expanded RCN’s customer base and elevated the company to a national brand. Reach LaCentra at (860) 432-4782.

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Eric Lam

Eric Lam is head of business strategy at SF Tax Appeal. He hails from a lineage rooted in commercial real estate, and his background is bolstered by a refined understanding of computer science and programming. As a co-founder of SF Tax Appeal, Lam pursues the market by leveraging the fusion of technology and real estate. Visit sftaxappeal.com.

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Parijat Lamba

Parijat Lamba is a product specialist on the customer management relationship team at Salesmate, a company that automates sales and marketing tasks. Lamba takes immense pleasure in writing about marketing and sales niches, and she’s passionate about helping people understand more about content marketing through her writing. As a focused researcher, she loves writing about new technology and the progress that the corporate world makes every day.

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Kara Lamphere

Kara Lamphere is the chief operating officer at Mid America Mortgage Inc., a multistate, full-service mortgage lender serving consumers and mortgage originators through its retail, wholesale and correspondent channels.

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Emily Landgraf

Emily Landgraf is the social media coordinator at APEX Mortgage Corp. APEX is a nonconforming national lender that specializes in small-balance commercial mortgages ($25,000 to $1 million). APEX excels in understanding the credit and income nuances of the self-employed.

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Sandra Langford

Sandra Langford is a senior product manager at Wolters Kluwer Compliance Solutions. She is responsible for the web-based iLienRED platform, real property recording and search services, and UCC county fixture filings. During more than 20 years with Wolters Kluwer, she has worked as an operations manager, sales manager and business analyst. She has been a catalyst in the ideation and launch of compelling products, partnering with customers to enhance their positive experience.

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Lindsay Larson

Lindsay Larson, director of talent acquisition at Evergreen Home Loans, has 20 years of experience in the mortgage industry. She began as an assistant and worked her way up to a leadership role. As a gay woman who felt she looked different from most others in her field, Larson has been unapologetic in being who she is, bringing her voice to the table and advocating for the LGBTQ+ community while pushing toward more diversity.

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Jessica Larson

Jessica Larson is the author of The Solopreneur Journal, a website that offers insights for women who are pursuing solo entrepreneurial success. Her content specifically targets opportunities in e-commerce and other online options that offer good income and a flexible schedule. She also creates live and on-demand online courses for students.

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Thomas LaSalvia

Thomas LaSalvia, Ph.D., is head of commercial real estate economics at Moody’s Analytics CRE. He has extensive experience in space and capital-market analysis, with specific expertise in optimal location theory.

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Sherwood Lawrence

Sherwood Lawrence is chief creative officer and chief marketing officer at Top of Mind Networks. One of Top of Mind’s original founders, he leads the company’s content and marketing strategies with a focus on innovative execution and engaging content that helps lenders generate revenue and awareness. His contributions have helped Surefire CRM become the mortgage industry’s most-used marketing-automation platform. Lawrence holds a master’s degree from the University of Florida.

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Bradley Lawrence

Bradley Lawrence is principal of Bradley Lawrence Private Capital in Portland, Oregon. He has been lending, investing equity, structuring and advising on hard money for 20 years. He has arranged and funded nearly $250 million in transactions. He also has three years of experience in special-assets resolution, including distressed notes and property workouts. When not working, Lawrence enjoys traveling, and he has visited more than 25 countries with his wife and children.

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Kristopher Lazzaretti

Kristopher Lazzaretti is president of data solutions at Deluxe, a full-service marketing solutions company. Deluxe identifies up to 600,000 pre-movers each week, one to two full weeks ahead of the competition. The company ingests and stitches together hundreds of independent data feeds, and it partners with the three major credit bureaus to create a unified data fabric that is clean and ready for deployment. Learn more about Deluxe’s mover marketing programs at deluxe.com.

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Brian Lee

Brian A. Lee is an Atlanta-based freelance writer and former editor of Western Real Estate Business magazine. He does work for the William Mills Agency, a public-relations company that represents Access Point Financial on special projects.

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Rich Leffler

Rich Leffler is the director of training/senior instructor for AxSellerated Development, which offers guidance that you need to pass the Nationwide Mortgage Licensing System (NMLS) test. An award-winning mortgage expert, business coach, and speaker, Leffler has excelled in customer service, research, mortgage origination, training and consulting. He regularly lectures on compliance, sales and winning customer-service strategies, and is available for in-house training, speaking engagements, tutoring, personal coaching, and seminars.

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Jeff Leinan

Jeff Leinan is executive vice president of national wholesale production for Plaza Home Mortgage. In this role, Leinan is charged with driving the growth of the company’s wholesale, reverse and renovation lending businesses.

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Thomas Lemke

Thomas P. Lemke is a retired financial-services executive who last served as general counsel and head of governance for a major firm. He also is the co-author of a number of financial-services publications, including “Mortgage-Backed Securities” (Thomson Reuters, 2020). Reach Lemke at tlemkemwk@gmail.com.

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Dick Lepre

Dick Lepre is a loan agent for CrossCountry Mortgage LLC. He has been in the mortgage business since 1992 and has been writing a weekly email newsletter on macroeconomics, mortgages and housing since 1995. Lepre (NMLS No. 302379) is from New York City, but he has lived in the San Francisco Bay Area since 1968. He has a degree in physics from Notre Dame. Follow him on Twitter @dicklepre.

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Michael Leshinsky

Michael Leshinsky is the founder and CEO of Leshinsky Finance, which primarily offers services to small businesses and real estate developers. He has an MBA from Providence College with a concentration in finance, portfolio theory and investment analysis. Leshinsky has bought and sold numerous businesses during his career and has acquired a sizable real estate holding. He consults and advises businesses of all types and sizes, helping them achieve optimal performance.

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Alex Levi

Alex Levi is managing director for the Truststar.ai product line at CognitiveScale. With more than 20 years of experience as a technology business executive, Levi started focusing on mortgage tech in 2015 when he co-founded AI Foundry, a mortgage documents recognition company that was subsequently acquired by Guaranteed Rate. Currently, Levi is focused on enabling mortgage loan officers and executives to leverage the power of data and the latest artificial intelligence technology to perform at the highest level. Reach Levi at alevi@cognitivescale.com or (617) 276-2137.

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Jeff Levin

Jeff Levin is the founder and president of Specialty Lending Group and Pinewood Financial, which together provide a full suite of boutique private real estate lending services in the Greater Washington, D.C. area. Levin is a recognized authority on real estate investing and, as such, is a frequent lecturer and panelist. He lives on Capitol Hill with his wife and two sons.

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John Levonick

John Levonick is CEO at Canopy, which provides due diligence, quality control and advanced technology for the mortgage industry. Originally a regulatory compliance attorney, Levonick has focused his career on assisting loan originators, servicers and capital-markets participants to navigate credit risk and regulatory compliance. Levonick has worked with federal and state regulators, trade organizations and ratings agencies in creating policy, defining risk and translating complex regulatory requirements for all aspects of the mortgage life cycle.

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Jeremy Lewis

Jeremy Lewis is an underwriter with American Life Financial (ALF), a direct small-balance commercial real estate lender based in Mesa, Arizona, and the lending arm of American Savings Life Insurance Co., which has been making its trademarked “Not So Hard Money” loans for more than 65 years. Lewis is an industry veteran with more than 20 years of experience, and is part of a team that has funded more than $1 billion of private-capital loans throughout 12 Western states. Reach Lewis at (877) 877-3655 ext. 327, or jlewis@notsohardmoney.com.

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Donghao Li

Donghao Li is founder and CEO at Tripalink Corp., a leading residential brand that delivers an enjoyable living experience by leveraging technology and data-driven operations. It operates about 4,200 beds of co-living properties and traditional apartments in Los Angeles, Seattle, Pittsburgh, Philadelphia, Austin and Tucson, Arizona. Learn more at tripalink.com.

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Noerena Limón

Noerena Limón is senior vice president of public policy and industry relations for the National Association of Hispanic Real Estate Professionals (NAHREP). In this role, Limón leads NAHREP’s policy and advocacy efforts, as well as the Hispanic Wealth Project. Limón came to NAHREP after spending more than 10 years in the federal government, including serving at the Consumer Financial Protection Bureau, the White House and Capitol Hill. Limón received a bachelor’s degree from the University of California at Berkeley and a master’s degree in public policy from Harvard University’s Kennedy School of Government. Reach Limón at nlimon@nahrep.org.

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Scott Lindner

Scott Lindner is national sales director of mortgage lending for TD Bank, one of the 10 largest banks in the U.S. TD provides more than 9 million clients with a full range of retail, small-business and commercial banking products. In his current role, Lindner leads TD’s mortgage loan officer sales force and guides sales strategy, product development and integration with TD’s retail bank network. Lindner has more than 25 years of experience in the financial-services industry.

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Robert Lipston

Robert Lipston is the executive vice president of loan production for Evergreen Home Loans. He has more than 35 years of mortgage experience in sales, leadership and operations, previously serving as a first vice president and regional director at Flagstar Bank. He also serves as a local leader in the mortgage industry as the current president of the Puget Sound Mortgage Lenders Association (PSMLA).

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Jay Litt

Jay Litt is principal of the LittKM Group, which is focused on hotel-project management and consulting. Litt previously served as executive vice president at Waramaug Hospitality Asset Management in Boca Raton, Florida, and as executive vice president of operations for Wyndham International and Interstate Hotels. Over the past 45 years Litt has overseen large portfolios involving three- and four-star hotels and world-class luxury resorts. Visit littkmgroup.com.

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Tian Liu

Tian Liu served as chief economist for Enact (formerly Genworth Mortgage Insurance) from 2014 to 2022. In this role, he was responsible for tracking and analyzing U.S. and regional economic conditions. His commentary on the housing market has appeared in The Wall Street Journal, The New York Times, CNBC, The Washington Post and other notable publications. Liu has a master’s degree in economics from the University of Chicago and an undergraduate degree in economics from the Australian National University. The statements provided are the opinions of Liu and do not reflect the views of Enact or its management.

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James Lochbihler

James Lochbihler is a senior consultant with global information-services company Wolters Kluwer. He has more than 20 years of banking experience and more than 15 years of fair-lending compliance experience.

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Erica Lolli

Erica Lolli is a 25-year veteran in the financial-services industry. As president of Stock Financial LLC, she manages a mortgage production and risk-management business. Her insights on the economy, government affairs and ethical approaches to business have won her accolades throughout southwest Florida. This article was inspired by her upcoming doctoral work in leadership.

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Richard Lombardi

Richard Lombardi serves as chief operating officer of Attom Data Solutions, which has developed the Attomized AVM platform used by many of the aforementioned companies. A 30-year veteran of the data- and financial-services industries, Lombardi oversees Attom’s data strategy, sales operations, product management, data operations, data collections and communications programs. Prior to joining Attom, Lombardi was vice president of data solutions and licensing at CoreLogic.

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Leo Loomie

Leo Loomie is senior vice president of client development at Mphasis Digital Risk, the nation’s largest provider of mortgage risk, compliance and transaction-management solutions. In his job, Loomie has a leadership role in building and managing large-scale client relationships. He is responsible for leading efforts with digital-risk clients to develop and customize project strategy and scope, as well as to manage and implement continuous project efficiency through automation, digital mortgage enablement and operational process improvements.

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Ben Looney

Ben Looney is the owner of Growth Commercial Capital, a commercial loan brokerage he started in January 2018. Looney jumped into the commercial loan broker world with a background in finance. Admittedly, his first year in business was full of struggles, but the business has shown significant growth in its second year. Looney is looking forward to further expanding his team and eventually becoming a direct lender.

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Bryan Lovell

Bryan Lovell serves as vice president at Highland Mortgage. Lovell joined Highland after 16 years in the industry and believes in the vision to create a company for loan originators, built by loan originators. He is a John Maxwell Leadership Team-certified speaker, coach and trainer. He is driven by serving others to discover their unique strengths, facilitating personal and professional growth, and creating environments where people thrive and contribute their best. Reach Lovell at (813) 727-1867.

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Joe Ludlow

Joe Ludlow is vice president of Irvine, California-based Advantage Systems, a provider of accounting and financial-management tools for the mortgage industry. Learn more about Advantage Systems at mortgageaccounting.com.

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James Luisi

James V. Luisi is chief information and chief technology officer for KeyStoneB2B. He has more than 30 years of experience in business and IT and has expertise in dealer banking, brokerage, securities exchanges, commercial and retail banking, life insurance, property and casualty, and portfolio management. Luisi also has Series 7 and Series 24 licenses. His deep roots in large information systems, database technologies, operational workflow, and enterprise and infrastructure architecture is driving KeyStoneB2B’s rapid technology development.

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Terry Luker

Terry Luker is founder and chairman of both Alternative Capital Solutions and Commercial Capital BIDCO, Inc. With more than 30 years in the finance community, Luker is an expert in deal structure and creative financing options. This creative outlook has been paramount to the companies’ success over the past decade. His company plans to launch its own 20 Group for Commercial Loan Brokers to bring together successful brokers and identify industry best practices and procedures.

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Mark Luzi

Mark Luzi is the Western U.S. sales manager for LendSure Mortgage Corp. Luzi has been in the mortgage industry since 1997. Previously, he was division manager for Accredited Home Lenders, where he managed over 300 employees in all aspects of origination, underwriting and closing loans. Luzi is passionate about helping borrowers and supporting his origination partners. This drives him to find logical and commonsense solutions to make loans work.

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Joseph Lydon

Joseph Lydon is co-founder and managing director at LendSure Mortgage Corp. He has spent more than three decades in the mortgage industry, including serving as president and chief operating officer at Accredited Home Lenders from 1997 to 2008. He also has worked at Ford Consumer Finance and Security Pacific Financial Services. Lydon earned a bachelor’s degree in management from Pepperdine University and a master’s degree from the University of San Diego.

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Brian Lynch

Brian Lynch is the founder and president of Advantage Systems Inc., an Irvine, Calif.-based provider of accounting and contract-management tools for the mortgage banking and real estate industries. For more information, visit mortgageaccounting.com.

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Thomas Lynch

Adm. Thomas C. Lynch is executive chairman of NewDay USA, a VA home mortgage company serving active service members and military veterans. He retired from the U.S. Navy after a decorated 31-year career. A graduate of the U.S. Naval Academy, Lynch served as commander of the Eisenhower Battle Group during Operation Desert Shield, as superintendent of the U.S. Naval Academy from 1991 to 1994 and as director of the Navy Staff at the Pentagon from 1994 to 1995. As a midshipman, he captained the 1963 Navy Cotton Bowl team with teammate and Heisman Award-winning quarterback Roger Staubach.

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Doug Lyons

Doug Lyons is a managing principal of Pearlmark Real Estate and is responsible for the company’s capital-markets and debt-investment activities. He formerly served as vice president of Equity Institutional Investors Inc.

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Jack Macdowell

Jack Macdowell is the co-founder, managing member and chief investment officer at the Palisades Group. He is responsible for leading all investment activities, including research, portfolio allocation and risk-management functions. Prior to founding Palisades, Macdowell held various leadership roles at buy-side companies focused on mortgage and securitized credit. He has sell-side experience with Credit Suisse First Boston and RBC Capital Markets.

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Alex Machuca

Alex Machuca is the founder and CEO of Lyncrest Media, a mortgage marketing company that guarantees clients 60 appointments over the course of 90 days. He has been featured in top publications such as Yahoo Finance, CBS, Fox News, Thrive Global, SmallBizClub and Young Upstarts, among others. He also has been featured on various podcasts, including the “Million Dollar Mortgage Experience” and “Hooked on Startups.”

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Jonathan MacKinnon

Jonathan MacKinnon is vice president of product strategy and business development at Hometap, where he is responsible for defining and executing new product offerings as well as forming strategic partnerships. He previously served as head of growth and operations for consumer finance at CarGurus, and as senior director of business operations and general manager for PistonHeads.com. He holds an MBA from Dartmouth College and a bachelor’s degree in economics and history from Amherst College.

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Tom MacManus

Tom MacManus is president and CEO of Money360, a direct commercial real estate lender. MacManus is a tenured commercial real estate executive with more than 30 years of experience in commercial mortgage banking, lending and capital markets. His previous roles have included serving as president and chief operating officer at ARA Finance; as chairman and CEO at Cushman & Wakefield Sonnenblick-Goldman; as president of GMAC Commercial Mortgage; and as CEO of North American Operations.

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Susan Makin

Susan Makin is chief operating officer at Kriss Law/Atlantic Closing & Escrow. Makin has served the title and settlement industry for 20 years, coming to her current company in 2011. She has been a key reason for the company growing into one of the nation’s largest title and closing firms. Today, Kriss Law/Atlantic Closing & Escrow is licensed in 30 states and partners with mortgage lenders of all sizes.

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Rohit Malik

Rohit Malik is the founder and principal of consulting firm Business Anatomy. He has been a business consultant for 25 years, specializing in strategic-execution, cost-reduction and tax-deferral strategies for a variety of industries. His work includes cost-segregation and research-and-development tax credits. Malik earned an MBA in operations and general management from the Tepper School of Business at Carnegie Mellon University.

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George Maravilla

George Maravilla is senior vice president at Tower Capital, a Phoenix-based company specializing in debt and equity placement ranging from $2 million to $300 million. Tower Capital recently arranged $120 million in financing for a built-to-rent development. Prior to joining Tower Capital, Maravilla spent 14 years at DMB Associates Inc., which specializes in large-scale master-planned communities.

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David Marden

David Marden is designated managing broker at Hausmarkt. He’s a third-generation real estate professional with 20-plus years of experience in buying and selling real estate and property management. He’s managed and mentored some of Chicago’s top real estate professionals, managed leasing operations for multiple new construction high-rise buildings in the Chicago market and now specializes in search-engine optimization lead generation.

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Anthony Marino

Anthony T. Marino is a managing director at Cambridge Realty Capital Companies and the primary contact between the borrowers and the Cambridge team throughout the loan process, from origination through asset management, addressing all borrowers’ concerns while achieving their financing goals. Marino began his career with Cambridge in 1999. Since then, he has completed more than $2 billion in transactions. Marino earned a bachelor’s degree in management and marketing from the University of Illinois at Chicago. Reach Marino at (312) 357-1601.

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Sean Marr

Sean Marr is director of correspondent lending for Angel Oak Mortgage Solutions. Prior to Angel Oak, Marr served in the mortgage industry for 25 years in various sales and sales leadership roles with organizations such as HomeSide Lending and Citibank.

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Megan Marsh

Megan Marsh is the owner of Keystone Alliance Mortgage, a top-producing mortgage brokerage in Pennsylvania, Florida, Illinois, Ohio and Puerto Rico. She is a serial entrepreneur and property investor who has launched eight businesses and built a growing real estate portfolio with 40-plus properties. Marsh is a speaker, coach and podcast host of “The CóLab,” downloadable at thecolablife.com. For speaking engagements or other inquiries contact Megan Marsh.

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John Martin

John Martin is CEO and founder of BeyondRecognition LLC, which develops visual-classification technology for documents from a variety of industries. Martin’s earlier development work resulted in a U.S. patent for an electronic discovery system, and he has served as a consulting and a testifying trial expert on e-discovery. Visit beyondrecognition.net.

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Tiffaney Mason

Tiffaney Mason is the director of business development for Constructive Capital. She has 30 years of mortgage lending experience with a focus in wholesale lending. Mason has held various senior management positions that oversee the critical functions of underwriting, operations, systems, marketing and sales. While being rooted in Sandy, Utah, Mason’s expertise and services extend nationwide, and she works with both conventional and specialty brokers, with a current focus on business-purpose lending products. Reach Mason at (801) 244-4595.

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Joseph Massey

Joseph Massey is a branch manager and senior loan officer at Castle & Cooke Mortgage LLC, one of the nation’s leading independent mortgage lenders with locations across the U.S.. Massey is an award-winning mortgage industry veteran who has been recognized as a top 500 loan originator by Scotsman Guide. He also contributes to the mortgage community with monthly presentations on financing and continuing education.

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Tyler Matheny

Tyler Matheny is a solutions engineer at Built Technologies. Since 2014, Matheny has helped to build and lead teams and processes, including implementations, client success, quality assurance and sales engineering. His focus is on expanding the Built platform in breadth and depth, bringing a seamless process to the construction-finance ecosystem.

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Jay Matthes

Jay Matthes is chief operating officer of Capstone Advisors. He leads company operations, manages overall asset strategy and works to a key relationships in new markets to support Capstone’s growing portfolio. Prior to joining Capstone Advisors, Matthes led both operational and financial aspects of retail, office, industrial, multifamily and hotel investments and developments throughout the U.S. He previously worked as executive vice president at American Realty Advisors, where he oversaw a $1.6 billion retail investment portfolio totaling more than 5.4 million square feet.

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Chris Mavros

Chris Mavros serves as managing director, principal and chief financial officer of Case Real Estate Capital LLC. He possesses more than 20 years of experience in financial control, oversight of loan portfolios and their servicing, and asset and property management, as well as providing oversight of management information systems (MIS) activities.

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Barry May

Barry May is head of customer success at Blend and is responsible for all post-sales client activities, including integrations, deployment, account management and support services. Prior to Blend, he was senior vice president of relationship management and implementation at WageWorks, where his organization of 600 team members managed the company’s relationships with more than 85,000 clients across the U.S. May is a graduate of California State University, Sacramento, and lives in the Bay Area with his wife and two children.

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Jon Maynell

Jon Maynell is president of Advanced Data. During a career that spans three decades, Maynell has distinguished himself in a variety of roles. From working with some of the first loan origination systems in the early 1990s to becoming one of the country’s top-performing loan officers in the early 2000s, he has impacted the mortgage industry from a number of angles. He previously served as vice president of client services for Motivity Solutions and as executive strategist for Black Knight.

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Carl McCauley

Carl McCauley is the CEO of 360factors, a leader in integrated risk and compliance software solutions to mid-market banks and financial-services institutions. McCauley has more than 25 years of experience in various sales, marketing and software development roles. Previously, McCauley held senior leadership positions at Zycus, an industry leader in procurement source-to-pay solutions, and MetricStream, an integrated risk-management solution provider that serves multiple industries. He holds a bachelor’s degree in electrical engineering from the Georgia Institute of Technology.

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Linda McCoy

Linda McCoy is the owner of Mortgage Team 1 Inc. in Mobile, Alabama, and she is the immediate past president of the National Association of Mortgage Brokers (NAMB). She was the first woman elected as NAMB president in 25 years and helped to start Inspire, a women’s mentorship group. She has been in the mortgage industry since 1993 and started her own brokerage because she felt banks were not helping people who deserved a chance to buy a home.

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Will McDermott

Will McDermott was former managing editor for Ask a Lender.

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Andy McDonough

Andy McDonough has more than 20 years of experience in the mortgage industry and is currently a senior vice president at HomeStreet Bank, which is headquartered in Seattle and is one of the top companies in purchase-loan market share in the Pacific Northwest. HomeStreet offers consumer, commercial and private banking services, investment and insurance products, and originates residential and commercial mortgages and construction loans for borrowers located in the Western United States and Hawaii.

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Joey McDuffee

Joey McDuffee is the vice president of sales and marketing at Blue Sage, a provider of innovative, cloud-based digital lending technology for retail, wholesale and correspondent lenders that delivers a superior lending experience for all users throughout the loan process. McDuffee has more than 25 years of mortgage technology experience.

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Kerri McGee

Kerri McGee is vice president of title operations at Landtrust Title Services. She has worked in the title industry for more than 25 years and has extensive knowledge of every aspect of title insurance along with dedication to providing the highest level of customer service. McGee’s focus is on commercial examining, construction escrow and curative procedures for statewide transactions. McGee earned a bachelor’s degree in education from Aurora University and is a certified Illinois Title Professional as well as an inaugural member of the Illinois Land Title Association’s Michael D. Troutt Leadership Academy.

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Bryan McLaren

Bryan McLaren is chairman and chief executive officer of Zoned Properties, a strategic real estate development firm for emerging and highly regulated industries. McLaren has accrued over a decade of experience in social, economic, and environmental development of complex business organizations. As a certified and licensed Realtor, Green Roof Professional, LEED Green Associate, and former city sustainability commissioner, McLaren provides compliant real estate, zoning, permitting, and operational expertise to Zoned Properties and its clients.

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Ryan McLaughlin

Ryan McLaughlin is CEO of the Northern Virginia Association of Realtors (NVAR). With a staff of 32, NVAR is one of the largest regional Realtor associations in the U.S. with 13,000 real estate professionals who transact more than $15 billion in annual sales across the Washington, D.C., metro area.

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Kevin McMahon

Kevin McMahon is Senior vice president of customer solutions at Genworth Mortgage Insurance. Utilizing his consulting, marketing and operations experience, McMahon develops and evolves strategic direction for Genworth as part of the senior leadership team. His leadership has been instrumental in Genworth’s market positioning, customer experience and operational efficiency. The statements provided are the opinions of McMahon and do not reflect the views of Genworth or its management. Reach McMahon at kevin.mcmahon@genworth.com.

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Erik McNally

Erik McNally serves as the lead product manager for Nomis Solutions, which works with lenders on best-in-pricing technology and analytics. McNally joined Nomis Solutions about two years ago, quickly becoming a key contributor to product development due to his keen experience and background in the mortgage industry. He is responsible for designing the robust analytics methodology and captivating display within Nomis Mortgage. With a solid background in mortgage industry data and risk analytics, McNally works cross-functionally between teams to spearhead the company’s product vision.

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Dutch Mendenhall

Dutch Mendenhall is the founder of RAD Diversified REIT, which offers a range of real estate investment platforms. His leadership combines the science of advanced analytics with the art of identifying strong opportunities, resulting in industry-leading performance. Reach Mendenhall at (833) 723-7348.

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Cheryl Messner

Cheryl Messner is executive vice president of customer success and experience at Sales Boomerang and Mortgage Coach. Messner defines strategies to enhance Sales Boomerang’s customer experience, engagement, success and operations to further its growth from a fintech startup to one of the fastest- growing private companies in the U.S. Messner previously served 15 years at secondary marketing services provider Optimal Blue as director of client services and later as director of product management.

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Stacy Mestayer

Stacy Mestayer is president of Alita Group, a technology company committed to reducing the cost of homeownership with innovative mortgage solutions like the AOLPro, an insured attorney opinion letter that serves as a cost- effective alternative to title insurance. Alita’s AOLPro platform is the only solution that enables the scalable and consistent production of government-sponsored-enterprises compliant, insured attorney opinion letters. The Alita team is responsible for the creation, development and agency acceptance of the modern insured AOL.

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Billy Meyer

Billy Meyer is managing director of real estate bridge lending for Columbia Pacific Advisors (CPA), a Seattle-based investment company with more than $2.7 billion in assets under management.

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Michael Mikhail

Michael Mikhail is the founder and CEO of Stratton Equities, the nation’s leading direct hard money and non-QM lender for real estate investors, with the largest variety of mortgage programs. For more information about Stratton Equities or to join the team, visit strattonequities.com.

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Michael Miller

Michael Miller is the chief marketing officer (CMO) of 5 Arch Funding Corp. and of its parent company, 5 Arches LLC. Previously, he was CMO of Epsilon Agency Services and managing director of Catapult Marketing. He also co-founded Hyper Marketing, which was later acquired by Epsilon. Miller has developed global-marketing platforms for brands like JPMorgan Chase, Union Bank, Wells Fargo, Google, Intel, General Motors Co., Home Depot, Lennar and Tishman Speyer.

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Noah Miller

Noah Miller is the founder and president of Royal Palm Funding, a real estate investment firm specializing in first and second mortgages. With a nationwide footprint and a focus on $100k to $5MM loans, Royal Palm Funding is a leader in the small balance mortgage space. Miller is a media contributor to Scotsman Guide, Bloomberg Radio, GlobeSt.com, Commercial Property Executive and others.

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Jeff Miller

Jeff Miller is vice president of Churchill Mortgage’s Pacific Northwest region, where he is leading the company’s regional expansion efforts. With more than 20 years of experience in the mortgage industry, Miller is a firm believer in achieving debt-free homeownership and is a champion of loan programs that help interested homeowners make the best choice, such as Churchill’s Certified Home Buyer Program, a key difference-maker that ensures buyers can place confident, expedient and trustworthy offers in competitive markets.

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Joseph M. Miller

Joseph M. Miller is a managing director at Partner Valuation Advisors and serves as national practice lead of the company’s retail valuation practice. He has more than a decade of experience and has appraised some of the most prominent commercial properties in the U.S. He was named a Retail Influencer by GlobeSt.com and is sought out as a top valuation expert.

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Richard Milligan

Richard Milligan is president of 4C Recruiting, a company specializing in coaching leaders in the area of recruiting. Milligan coaches based on a system known as Recruiting Made Simple. It focuses on building systems that will allow a leader to maintain a primary role in leading a team while having a clear, sustainable plan for recruiting success.

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Mike Millsap

Mike Millsap is a sales account manager at Enact (formerly Genworth Mortgage Insurance), where he helps loan officers in Wisconsin find new business and close more loans with mortgage insurance. The statements provided are the opinions of Millsap and do not reflect the views of Enact or its management.

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Garrett Mitchell

Garrett Mitchell is director of sales and marketing at Insurance Express in West Palm Beach, Florida. Mitchell has developed multiple groundbreaking InsureTech platforms to supercharge homeowners- and flood-insurance sales across 48 states. He is both director and partner of Rocket Flood and NuBuild Insurance Group. Insurance Express delivers seamless technology solutions, competitive rates and streamlined closings to homeowners and mortgage and real estate professionals. Learn more at quoteslash.com and rocketflood.com.

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Ben Mizes

Ben Mizes is the co-founder and CEO of Clever Real Estate, a free online service that connects consumers with top real estate agents who can help save thousands on commissions. Mizes also is an active real estate investor, with 22 housing units in St. Louis, and is a licensed real estate agent in the state of Missouri. Clever Real Estate’s survey on Airbnb can be found at listwithclever.com/real-estate-blog/airbnb-vs-hotels-study.

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Arvind Mohan

Arvind Mohan is CEO and a board member at Kiavi, one of the nation’s largest private lenders for residential real estate investors. He has more than 15 years of experience in residential real estate and investment banking. Previously, Mohan was a director in the fixed-income division at Barclays. Mohan recently purchased his first investment property (a small fixer-upper) and learned firsthand the difficulties faced by real estate investors.

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Simon Moir

Simon Moir is chief product officer at eOriginal, the leading platform for creating, managing and monetizing trusted digital loans. Moir is responsible for eOriginal’s product vision, strategy, design and delivery across all industries, including mortgage, auto finance, marketplace lending, equipment leasing and banking. Previously, he served as senior vice president and general manager of digital mortgage at eOriginal, where he oversaw the company’s mortgage growth strategy, including the product road map, business development, and sales and solution deliveries.

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Mark Monro

Mark Monro is the director of strategic markets for Seattle Funding Group. He is based in Solana Beach, California, and has more than 20 years of experience in real estate and construction finance. He previously worked with Washington Mutual Bank and U.S. Bank, funding more than $1 billion in construction transactions across the western United States in those positions.

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George Morales

George Morales is the reverse mortgage product manager at Mortgage Cadence, managing reverse mortgage enhancements for the company’s platform. He supports products, provides business case support and rationale for these enhancements, and serves as an in-house reverse mortgage expert for both Mortgage Cadence and its clients. Morales has 24 years of mortgage and real estate industry experience, with 11 of them focused on the reverse mortgage market.

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Alvaro Moreira

Alvaro Moreira is director of strategic growth at Mortgage Right, where he has helped many mortgage producers significantly increase their income. Moreira helps branch managers and loan originators reach their true potential by helping them grow their businesses with marketing, recruiting and increased efficiency. If you’ve been considering making a change and you’re looking for someone who can help you reach your goals while overcoming obstacles, contact Moreira at (404) 808-4842 or al@mortgageright.com.

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Barbara Morrison

Barbara Morrison, a Bay Area business and civic leader, is the founder and president of TMC Financing, a certified development company that provides SBA 504 commercial real estate financing. Since 1981, TMC has provided SBA funding for real estate projects totaling more than $10 billion in California, Nevada and Arizona, benefiting nearly 6,000 businesses and creating an estimated 60,000 jobs throughout the region. TMC Financing was the No. 1 SBA 504 lender in the nation by dollar volume in fiscal year 2021.

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Ward Morrison

Ward Morrison is the president of Motto Franchising LLC. With more than 150 franchises sold and more than 100 offices open in 30-plus states, Motto Franchising LLC’s unique national-franchise mortgage brokerage model is the first of its kind in the U.S. Under Morrison’s leadership, Motto Mortgage has received numerous industry accolades in its short three-year history, including recently ranking on the 2020 Entrepreneur Franchise 500.

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Christopher Moschner

Christopher Moschner is chief marketing officer at AAG, a division of Finance of America Companies. Moschner joined AAG last year and has spent his 19-year career delivering winning marketing strategies. By leveraging his technical background, he has focused on simplifying complex product concepts to better demonstrate customer value and drive sales growth. He previously worked for insurance and annuity companies Protective Life and Brighthouse Financial. Before that, Moschner worked as a brand manager for Procter & Gamble. Reach Moschner at (866) 948-0003.

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Dan Mugge

Dan Mugge is chief operating officer for Calque, a leader in empowering established lenders to offer innovative mortgage solutions, including its flagship product, The Trade-In Mortgage. Mugge is an expert in business technology with 25 years of experience in strategy and development within the mortgage and real estate service industries. He has held various senior technology and business management roles at leading companies including First American, CoreLogic and Black Knight.

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Natalie Mullen

Natalie Mullen is the market leader of mortgage and banking at Jornaya. She is an advocate for empowering fellow marketers to redefine success through the connection of insightful data with powerful modern marketing technology. With more than 15 years of experience through her work at Jornaya, and previously at Oracle Marketing Cloud, Mullen has assisted hundreds of enterprise marketers to evolve into modern marketing strategists. She also is on the steering committee of the Women of Martech.

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Rosa Mumm

Rosa Mumm is the product support manager for CreditXpert Inc. Her extensive background in usability and product design ensures that CreditXpert Inc.’s products meet the needs of end users, including lenders and mortgage brokers, so there is never a need for the typical support role.

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Peter Muoio

Peter Muoio, Ph.D., serves as head of SitusAMC Insights. Muoio has more than 30 years of commercial real estate research and analytics experience. Previously, he served as chief economist and head of data insights at Ten-X Commercial, and he headed up CW Capital’s research group. He founded and ran Maximus Advisors, a leading independent real estate research firm. He was global head of real estate research at Deutsche Bank, and he started and ran real estate research at Bankers Trust Co.

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Natalie Myrick

Natalie Myrick is the director of mortgage solutions at Built Technologies. She is responsible for helping lenders, builders and borrowers, primarily on the residential side, improve the construction lending process. Prior to joining Built, Myrick was the vice president of home lending construction and systems manager at Umpqua Bank. Myrick has a master’s degree in accounting from the University of Phoenix and a bachelor’s degree in managerial accounting from Kaplan University.

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Will Nelson

Will Nelson joined Columbia Pacific Advisors in 2015 and specializes in business-development and loan-structuring strategies. He has participated in the acquisition, disposition, leasing, project management, entitlement work and property management of approximately 1.5 million square feet of real estate assets in the U.S. and Canada. Columbia Pacific Advisors is a Seattle-based investment company founded by Dan Baty, Stan Baty and Alex Washburn. It has completed more than $10 billion in transactions.

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Jeffrey Nelson

Jeffrey Nelson is the founder of Salesachievers Inc. He teaches real estate and mortgage professionals how to grow their personal brands, become recognized as local celebrity experts and attract referrals. He is the author of “Atomic Leads: Fix the Broken Process and Start Attracting Referrals Like a Magnet.” Nelson spent six years promoting Tom Hopkins sales-training seminars nationwide before starting a media agency to help real estate agents and mortgage originators convert clients into promoters, rather than wasting money on cold leads.

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Niki Nevarez

Niki Nevarez is regional vice president of operations of Mountain West Financial Inc. She is an industry veteran with more than 20 years of experience in the leadership and development of both retail and wholesale teams in the mortgage industry. Nevarez has a unique vision that encompasses both operations and sales perspectives with a strong sense of company culture. In her current role, Nevarez is responsible for leading Mountain West’s Orange County/Los Angeles operations team.

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Felicia Newbern

Felicia Newbern is senior vice president of national sales at BNT Title Co. of California, which is part of the Boston National Title Agency LLC family. Newbern is an active volunteer who serves as founder and president of the Enduring Love Foundation; vice president of development for CIM; treasurer of the Baja Educational Initiative; director of sponsorship for the National Association of Hispanic Real Estate Professionals’ Montebello Southeast LA Chapter; and as a foster parent with Safe Families for Children. She also hosts homebuilding projects for the poor in Mexico with Baja Bound and supports an orphanage of 150 children in the Congo. Connect with Newbern on LinkedIn.

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Veronica Nguyen

Veronica Nguyen is the co-founder of BeSmartee, which created one of the first mortgage point-of-sale platforms to automate the mortgage process and streamline the consumer experience. Nguyen is passionate about building technology that helps improve the mortgage origination process and industry as a whole. Nguyen believes everyone should have equal opportunity to shop for a home in a seamless and transparent way. She won the 2020 HousingWire Women of Influence and the 2021 Mortgage Star by Mortgage Women Magazine awards.

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Kim Nichols

Kim Nichols is chief third-party origination production officer and oversees all broker and non-delegated correspondent production at Pennymac. She offers over 30 years of expertise in various mortgage financial service areas, including capital markets, operations, underwriting, and credit across all production channels. Nichols joined Pennymac in 2011 as part of the core leadership team charged with building the foundation for what is now the largest correspondent investor in the country.

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Liliana Nigrelli

Liliana Nigrelli is chief compliance officer for Churchill Mortgage. Churchill is a privately owned company by its more than 400 employees. A full-service and financially sound leader in the mortgage industry, the company provides conventional, FHA, VA and USDA residential mortgages across 46 states.

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Michael Ninomiya

Michael Ninomiya is the South Florida regional manager at VanDyk Mortgage Corp. He has successfully owned, created and managed three top-producing mortgage offices, and has mentored, coached and launched the careers of more than 100 loan officers and mortgage managers. Ninomiya is a featured speaker for real estate groups in Miami and Broward County and has sat or sits on the board of directors of several industry associations in South Florida.

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Carlos Nodarse

Carlos Nodarse is the CEO of Applied Business Software Inc. (ABS), a leader in mortgage servicing and origination software since 1978. Nodarse joined ABS in high school, provided customer service, and quickly learned what clients needed and wanted. Nodarse served as a lead developer at ABS for more than 30 years. His knowledge of the mortgage industry, mortgage funds and real estate lending, alongside his technical expertise, gave him the unique skills necessary to develop the company’s flagship product, The Mortgage Office, the most powerful software in today's private lending market.

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Justin Nolette

Justin Nolette leads the Sterling Edmonton sales team, driving a dynamic sales and marketing strategy. With deep market insight and a knack for targeting audiences, Nolette excels in demand generation. His extensive background includes software sales and teaching marketing at the University of Alberta, enriching Sterling Homes with invaluable expertise.

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Frank Nothaft

Frank E. Nothaft is chief economist for CoreLogic, America’s largest provider of advanced property and ownership information, analytics and data-enabled services. He leads the economics team responsible for analysis, commentary and forecasting trends in global real estate, insurance and mortgage markets. Before joining CoreLogic, Nothaft served as chief economist for Freddie Mac. Prior to Freddie Mac, he was an economist with the Board of Governors of the Federal Reserve System.

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Edward Nwokedi

Edward Nwokedi is CEO of RedSwan CRE, which is a pioneering platform for tokenized commercial real estate. He has 17 years of experience with brokerage and client-advisory services, working with Colliers International and for 15 years as Cushman & Wakefield’s capital markets group executive director. He is one of Houston’s repeat top performers with more than $2 billion in successful transactions. Prior to his commercial real estate finance career, Nwokedi was a Silicon Valley entrepreneur who founded a venture-backed startup and sold it for $100 million to a Fortune 500 company. Reach Nwokedi at ed@redswan.io.

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Jay O’Brien

Jay O’Brien is the co-founder of Client Giant, an automated engagement platform for client care and employee happiness. A driving force behind the company, O’Brien consistently ensures unrivaled client experiences for business owners in diverse industries. Before launching Client Giant, O’Brien excelled as a leading real estate agent in California, earning accolades such as the 30 Under 30 award from the National Association of Realtors.

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Ryan O'Connor

Ryan O’Connor is the CEO of Unreserved, an online platform that has introduced transparency to real estate via auctions, effectively ending blind bidding and changing the way homes transact. O’Connor is no stranger to disrupting the “legacy way” of doing things as he also founded Canada’s fastest-growing automotive company and largest digital car auction platform, EBlock, which has auctioned off billions of dollars worth of cars online and continues to grow exponentially. Reach O’Connor at ryan@unreserved.com.

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Beth O’Brien

Beth O’Brien is president and CEO of CoreVest, the leading private lender to residential real estate investors. Previously, O’Brien was executive vice president at Auction.com and president of AuctionFinance.com, where she founded a proprietary private money lender geared toward the investor market. O’Brien also held positions at Citigroup and Goldman Sachs. She has more than 25 years of mortgage industry experience and has overseen more than $15 billion in transactions.

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Scott Oakley

Scott Oakley is CEO and co-founder of MooveGuru and YourHomeHub. YourHomeHub is the first-of-its-kind homeowner dashboard created for real estate professionals and loan officers to help clients manage everything in their home while staying top of mind in the process. Learn more at yourhomehub.com.

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Michael Oddi

Michael Oddi is the chief marketing officer at Velocity Mortgage Capital. He is responsible for the company’s brand image, messaging, marketing communications and media strategy.

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Suzanne Okun

Suzanne Okun is president of Premier Processing LLC, a professional third-party processor licensed in 46 states. Premier Processing, which is headquartered in Southfield, Michigan, understands the questions and challenges mortgage brokers encounter with processing loans and offers hands-on service at no cost to the broker. Okun is a successful executive with more than 25 years of success in the financial-marketing and mortgage industries. She has a proven record of increasing volume while improving efficiencies and encouraging interaction.

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Lee Oller

Lee Oller leads the Merchants Capital office in Chicago and brings 26 years of experience as a chief and LEAN underwriter. She has produced more than 350 closed transactions involving Federal Housing Administration (FHA) and U.S. Department of Housing and Urban Development (HUD) loan platforms. She has a deep understanding of FHA, multifamily and affordable housing, allowing Merchants Capital to grow its local presence in Chicago and regionally across the Midwest. To learn more about Merchants Capital, visit merchantscapital.com.

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Scott Olson

Scott Olson is executive director of the Community Home Lenders of America (CHLA). CHLA is the only national association exclusively representing independent mortgage bankers and is comprised of small and midsized community-oriented mortgage lenders and servicers.

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Katrina Orlando

Katrina Orlando is vice president of sales engagement at Incenter Marketing, a full-service marketing firm that helps organizations build strong brands that are better able to transcend market fluctuations. With a career spanning over two decades in the mortgage industry, she is a fervent advocate for integrating digital technology to strengthen customer relationships. She specializes in utilizing video messaging, social media and AI-driven tools to elevate the customer experience in mortgage lending. Reach Orlando at (610) 215-7967.

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James Owens

James Owens is chief technology officer at Xactus, a leading verification innovator for the mortgage industry. In his nearly 30-year career, Owens has used technology to solve complex business problems, applying innovation to create strategic differentiation and build high-performing technology teams. At Xactus, he is responsible for all technology operations, strategy, engineering and innovation.

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Bill Packer

Bill Packer is executive vice president and chief operations officer at American Financial Resources (AFR) Inc. With 30 years of experience in financial services, Packer joined AFR in 2015 and currently oversees operations, technology, new-product development and marketing. AFR is the nation’s leading FHA 203(k) lender for sponsored originations, and is an innovator in the construction and renovation lending space.

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Dan Page

Dan Page is the president of Boulder Equity Partners. He has worked in the financial-services industry for 25 years and has been a direct lender since 2008, helping small-business owners nationwide secure the growth capital they need while helping to save money by consolidating expensive debts. Page has spoken at conferences around the world, teaching marketing- and business-development strategies to senior executives in the financial-services and internet-marketing industries.

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Chrissa Pagitsas

Chrissa Pagitsas is the director of Fannie Mae’s multifamily green-financing business. She oversees the growth of its portfolio, valued at $32 billion as of year-end 2017. She is a leader and industry expert in sustainable finance, creating a road map for advancements in green fixed-income securities, national standards for tracking and measuring energy and water performance, and transforming how multifamily mortgage originators and developers finance properties.

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Peter Paglia

Peter Paglia is chief strategy and chief revenue officer for HomeBinder, a business-to-business and business-to-consumer software-as-a-service platform that enables residential real estate businesses to support homeowners and increase revenue through retention and referrals. Regarded for his strategic sales execution, Paglia leads commercial strategy, go-to-market operations and business development for the company.

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Hermond Palmer

Hermond Palmer is vice president of outreach and inclusion at the National Foundation for Credit Counseling. He is a classically trained, results-oriented senior marketing executive with extensive experience driving innovative programs that enhance shareholder value. He holds an MBA from The Wharton School and a bachelor’s degree in economics from the University of Pennsylvania. Reach Palmer at (800) 388-2227.

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Daniel Palmier

Daniel Palmier is founder, president and CEO of UC Funds. He has been in the real estate and financing business for more than 25 years, cultivating strong relationships with leading senior lenders and real estate entrepreneurs. Palmier strongly believes that real estate investment requires a sophisticated understanding of finance, along with the ability to see a partner’s vision and craft a sensible capital solution.

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Jim Paolino

Jim Paolino is CEO of LodeStar Software Solutions, which develops loan estimator, sales-management and closing-portal technologies. In this role, Paolino manages the company’s day-to-day operations, and oversees business development and long-term strategic direction. He has a decade of experience developing software solutions specifically for the mortgage and title-insurance spaces. Paolino speaks frequently about technology trends as they relate to compliance, operational efficiency and sales growth.

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Raj Parekh

Raj Parekh is director of business development at LoanScorecard, a leading provider of non-agency automated underwriting, pricing, bank-statement analysis and loan-loss reserve solutions, which are designed to meet today’s regulatory challenges and capitalize on market opportunities. A mortgage-technology expert with more than 20 years’ experience, Parekh previously held executive positions at Insellerate, LeadPoint, ActiveProspect and LeadROI. He can be reached at raj_parekh@loanscorecard.com.

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Ketan Parekh

Ketan Parekh is a managing director at Toorak Capital Partners. As the head of U.S. lender relations and capital markets, Parekh has more than 25 years of experience in residential structured products, mortgage and real estate banking. Prior to joining Toorak, Parekh was a managing director at Invictus Capital Partners, an alternative mortgage credit fund, where he was in charge of the business-purpose loan business. Parekh also worked as a partner and managing director at Window Rock Capital Partners, a mortgage credit fund.

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Sabrina Park

Sabrina Park is head of digital creative strategy for BeSmartee, an award-winning developer of digital mortgage software for banks, credit unions and nonbank lenders. In her role, Park develops and executes marketing strategies to communicate the BeSmartee brand promise — to take today’s originators and borrowers deeper into the mortgage process, faster.

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Sara Parrish

Sara Parrish is president of CampusDoor, an Incenter company and one of the nation’s largest third-party student and specialty loan origination platforms. She is responsible for the growth and performance of the firm, which has processed more than $36 billion in student loan applications for 1,600-plus unique loan programs. Parrish joined the company in 2016 and worked in various operational and portfolio management roles before her promotion to president last year. She holds a master’s degree in business ethics from Duquesne University and a bachelor’s degree in environmental science and English from Ursinus College. Reach Parrish at (717) 249-8800.

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Bruno Pasceri

Bruno Pasceri is president of Incenter, which ideates and deploys innovative solutions for optimizing business performance in the mortgage and specialty-finance industries. The company is based in Fort Washington, Pennsylvania, and employs more than 1,600 professionals across its sub-brands. For more information, visit incenterms.com.

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Jose Pascual

Jose Pascual is the head of mortgage and commercial banking at PSECU, a full-service credit union serving more than 590,000 members with $8.3 billion in assets. With over 25 years of experience in financial services, Pascual has held key leadership roles in mortgage banking and commercial lending. At PSECU, he drives the growth, member experience and innovation of mortgage, home equity and commercial banking services, ensuring they meet the diverse needs of members.

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Brandon Pate

Brandon Pate is a vice president in the Birmingham, Alabama, office of Hunt Real Estate Capital. He is primarily involved in the origination and transaction management of multifamily, mobile-home community and commercial real estate debt financing. Prior to joining Hunt, he worked at Beech Street Capital. Since beginning his career in 2012, Pate has managed and closed more than $1.5 billion in multifamily and mobile-home park transactions.

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Keely Pate

Keely Pate is the director of training and development at Alternative Capital Solutions (ACS) and its affiliate companies, Commercial Capital BIDCO and The Commercial Broker Playbook. Pate has committed more than 20 years to connecting professionals to development opportunities in a variety of fields and industries that span Fortune 500 corporations, midsize organizations, small businesses and sole proprietors. Her role within ACS is to create content and develop strategies to educate mortgage brokers, lenders and business owners. Explore continuing education programs at thecommercialbrokerplaybook.com. Reach Pate at keely@acstn.net or (615) 538-7814.

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Sherwin Patidar

Sherwin Patidar is executive vice president of SBA lending at Merchants Bank of Indiana, based in the Chicago regional office. He is a founding member of First Colorado National Bank and has more than 15 years of experience specializing in SBA lending. In his current role, his responsibilities include generating new SBA 7(a), SBA 504 and USDA loans in accordance with bank guidelines. He also develops and implements business plans and marketing strategies to aid in identifying areas of opportunity for new business penetration.

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Michelle Peel

Michelle B. Peel is the marketing and corporate communications manager at IWCO Direct and has more than 20 years of direct marketing-industry experience. IWCO Direct is a leader in data-driven, direct-marketing solutions and works with many of the leading brands in the mortgage industry.

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Wendy Peel

Wendy Peel is a managing partner with the reverse mortgage practice at BlackFin Group. She has spent her career in marketing and sales with a focus on changing hearts and minds through advanced technology. She served on the National Reverse Mortgage Lenders Association’s public relations committee along with introducing three user conferences in an effort to expand overall adoption of reverse mortgages as mainstream. Peel has won multiple awards, including the Mortgage Bankers Association’s Tech All-Star Award in 2018.

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Don Pelgrim

Don Pelgrim is the CEO of Wilshire Finance Partners, a real estate finance and investment company delivering debt, equity and advisory solutions in California. Prior to joining Wilshire, Pelgrim was a practicing attorney, and held several executive positions in the banking and financial-services industries. He has a J.D. from Loyola Law School of Los Angeles and a bachelor’s degree in business administration from Hofstra University. Reach Pelgrim at (866) 575-5070 or dpelgrim@wilshirefp.com.

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Rick Peltz

Rick Peltz is the founder of Industrial Science Renaissance, a Rancho Mirage, California-based consulting and software provider specializing in commercial brokerage services and solutions. Peltz has broad industry experience with more than 30 years of direct support or consultation in commercial real estate, banking, public utilities and financial services. Reach Peltz at rp@indsr.com or visit industrialsciencerenaissance.com.

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Doug Perry

Doug Perry is the senior vice president of sales for Archwest Capital, a direct lender focused on providing business-purpose financing secured by residential, multifamily, mixed-use and commercial properties. Over the past 20 years of partnering with the nation’s leading housing developers and financial institutions, the Archwest team has managed more than $8 billion in assets and has originated approximately $3 billion in business-purpose loans. Reach Perry at dperry@archwestcapital.com.

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KC Peterson

KC Peterson is a vice president in the affordable-housing debt unit of Hunt Mortgage Group. He is a seasoned commercial real estate executive, with a concentration in the senior-housing, health care and multifamily sectors. He maintains both LEAN 232 Healthcare and Multifamily Accelerated Processing (MAP) underwriter certifications.

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Adam Petriella

Adam Petriella is managing principal of Silverthread Capital Corp., a commercial real estate finance company based in New York City. He has sold and financed more than $1 billion in commercial real estate transactions in several major markets. He previously led growth efforts and managed day-to-day operations for Marcus & Millichap’s real estate investment services and its publicly traded commercial real estate brokerage company.

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Bruce Phillips

Bruce Phillips is senior vice president and chief information security officer for WEST, a Williston Financial Group company, which creates industry-leading technology to streamline and fully integrate the real estate process. He is responsible for the company’s information security practice, as well as its litigation and forensic support services. Phillips has more than 30 years of experience in the financial services, insurance, title and escrow, real estate, healthcare and defense industries.

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David Phillips

David Phillips is co-founder and president of Jurny, a hospitality tech company. Jurny provides independent hotel owners with the technology to remain competitive by modernizing operations, enabling a contactless guest experience and streamlining efficiencies. The company operates more than 570 units across major U.S. and international cities, including Miami, Nashville, London and Tel Aviv.

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Russell Phillips

Russell Phillips is a Tampa-based managing director of real estate capital markets for Regions Bank, a nationwide lender on senior housing, multifamily housing and other types of commercial real estate. Phillips specializes in providing owners of senior housing and skilled nursing facilities with permanent financing solutions from Fannie Mae, Freddie Mac and HUD. Reach Phillips at (813) 226-1138.

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Shane Pierson

Shane Pierson is the SBA national sales manager at Grasshopper Bank. He has a 20-year record of specializing in SBA 7(a) lending. A specialist in deal structuring and credit analysis, Pierson has a proven knack for helping businesses grow while ensuring client success in business transactions. He guides a skilled team that offers tailored financing across sectors and upholds customer service excellence. Prior to joining Grasshopper Bank, Pierson worked at IncredibleBank and First Bank SBA.

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Jeffrey Pirhalla

Jeffrey Pirhalla is president of Woodland Hills Capital, a wholesale commercial lender based in Woodland Hills, Calif. Pirhalla is a Florida Association of Mortgage Brokers faculty instructor and teaches commercial courses nationally.

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Tony Pistilli

Tony Pistilli is general manager, Valuations for Restb.ai, the leader in computer vision and AI for real estate. With over 30 years of executive-level real estate valuation and lending experience, he is responsible for expanding the company’s influence in the valuation and appraisal industry and fostering relationships with lenders and other industry partners.

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Michele Pitale

Michele Pitale is a managing director at CounterpointeSRE. She heads the company’s PACE team, including overseeing many of the largest C-PACE transactions to date. Counterpointe Sustainable Advisors is an investment manager and portfolio company of Mass Mutual that invests at the intersection of the commercial real estate and energy industries through diversified ESG Infrastructure investments, including C-PACE, green mortgages and other clean energy investments. Since 2013, Counterpointe has had a major impact in reducing the commercial building sector’s carbon footprint and in providing resiliency to the nation’s infrastructure. Reach Pitale at (855) 431-4400.

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Roger Platt

Roger Platt is the senior vice president of the U.S. Green Building Council (USGBC). In addition, he is a trustee of the Urban Land Institute and the Center for Architecture. Before joining USGBC in 2009, Platt served for 15 years as senior vice president and counsel at the Real Estate Roundtable. Before that, he was a senior land-use associate with the Coblentz law firm in San Francisco. He is a graduate of Harvard University and the University of San Francisco School of Law.

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Roger Portela

Roger Portela is senior director of product at PayNearMe, where he leads customer-facing product development teams. With more than 25 years of payments and product experience, Portela ensures PayNearMe’s solutions lead the market by reducing consumer friction and offering the widest range of payment options and channels, all while staying focused on security and reliability to ensure clients collect every payment, every time.

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Christopher Ptomey

Christopher Ptomey is the executive director of the Urban Land Institute (ULI) Terwilliger Center for Housing. The Terwilliger Center leverages the vast knowledge and experience of ULI’s membership to advance residential development and housing affordability through research, local and national convenings, and consultation. Prior to joining ULI in 2018, Ptomey led Habitat for Humanity International’s U.S. government relations and advocacy team for more than a decade. Ptomey holds degrees from Haverford College and George Mason University’s Antonin Scalia Law School, as well as a law license in his native Tennessee.

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Ashley Pulver

Ashley Pulver is co-founder of INX Insurance Services LLC, which administers FloodPrice.com. FloodPrice.com works with the nation’s top private flood insurers to provide agents and their policyholders with comprehensive flood-insurance coverage and rates that rival the National Flood Insurance Program.

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Joe Puthur

Joe Puthur is the president of Mortgage Coach, a leading borrower education and sales-enablement platform, where he has helped thousands of lenders meet the unique housing-finance needs of millions of U.S. homeowners. During his 20-year career, Puthur has played a prominent role in shaping the digital mortgage landscape and keeping affordable homeownership accessible. Puthur pioneered technology that transformed Encompass from a desktop tool to a software-as-a-service application. Reach him at joe@mortgagecoach.com.

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Mike Querrey

Mike Querrey is national sales manager for Castle & Cooke Mortgage, one of the nation’s leading independent mortgage lenders with locations across the United States. The company headquartered in Draper, Utah, has more than 300 employees and is founded on four core values — honesty, integrity, transparency and reliability.

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Aaron Rafferty

Aaron Rafferty is the CEO of StandardDAO and a co-founder of its subsidiary, CRE Hawk. He is a tech builder and behavioral scientist who previously pioneered research that merged behavioral science with advanced technologies. His companies leverage artificial intelligence and cloud technologies to create solutions that will advance humanity. Rafferty’s background in science and research, and his passion for solving tough problems, has led him to believe that tech, science and business can unite to bring about positive societal change.

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Paul Rahimian

Paul Rahimian currently manages a debt fund that provides construction financing to ground up real estate development projects on a national basis. He founded Parkview Financial in early 2010 and has since originated hundreds of commercial and residential loans, always plying his trademark hands-on management style. Distinguished from its competitors by dedicated in-house finance and accounting professionals Parkview is widely recognized as a pioneer in the industry, among the first to offer complete integration of loan origination and servicing. Prior to becoming a lender, Paul was a third-generation real estate developer and general contractor. Between 1988 and 2009, he successfully completed over $350MM in commercial and residential projects. His vast expertise and knowledge in the construction and development industry has benefited both Parkview and its borrowers. Paul received his B.A. from UCLA in Business/Economics and his Juris Doctorate from the University of Southern California.

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Steven Ramirez

Steven J. Ramirez is CEO of Beyond the Arc. For more than 20 years, he has been helping clients in financial services, fintech and technology develop data-driven strategies to strengthen customer experience, marketing and operations. Ramirez also advises clients on how to deploy machine learning and artificial intelligence to make better decisions. Under his leadership, Beyond the Arc was recognized by Clutch as No. 1 among the top 15 big-data analytics companies in San Francisco. Follow Ramirez on Clubhouse and Twitter at @beyondthearc.

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Gary D. Rappaport

Gary D. Rappaport is the CEO of Rappaport, a retail real estate company based in McLean, Virginia, which provides leasing, tenant representation, management and development services for more than 15 million square feet of retail space throughout the mid-Atlantic region. Rappaport is a former trustee and chairman for the International Council of Shopping Centers. He is also the author of “Investing in Retail Properties: A Guide to Structuring Partnerships for Sharing Capital Appreciation and Cash Flow,” which is in its third edition.

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Yanni Raz

Yanni Raz is CEO of HML Investments and has been a hard money lender for more than 10 years. Raz was a real estate broker for five years before he partnered with a group of investors from California and began assisting real estate investors in financing commercial and residential projects. He writes about real estate financing for magazines, blogs and other online news outlets. Reach Raz at (818) 308-4443.

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Michael Read

Michael Read is the founder and principal of Bridgeway Mortgage, a residential mortgage brokerage that is licensed in New Jersey, Florida and South Carolina, as well as Bridgeway Real Estate Services, a residential real estate agency. Both companies are located in Morristown, New Jersey. Learn more at bridgewaymortgage.com and bwyres.com. Reach Read at (908) 635-2745.

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Misty Read

Misty Read is a director at Hunt Real Estate Capital, where she is focused on Fannie Mae and Freddie Mac originations, primarily for the company’s Small Balance Group. Her geographic concentration is the Midwest region, while supporting other key relationships nationwide. Read has more than 13 years of commercial real estate industry experience, with a concentration in multifamily and multitenant commercial originations nationwide. In her career, she has originated more than $1 billion worth of business on all asset types.

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Kirk Redding

Kirk Redding is the co-founder of Promise Home Loans, where he brings over 30 years of experience in the mortgage industry to the forefront. With a passion for building teams and guiding loan officers, Redding has established himself as a trusted leader in the field. His dedication to excellence and commitment to helping clients navigate the home financing process have earned him a reputation for reliability and expertise. Reach Redding at (888) 762-7808.

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Mark Reeve

Mark Reeve is vice president of the Reverse Mortgage Division at Plaza Home Mortgage Inc. He manages Plaza’s reverse-mortgage wholesale and correspondent platforms. He also oversees the training and education of more than 100 account executives, develops operational procedures and resources for brokers and correspondents, and oversees all internal operations. Reeve earned a bachelor’s degree from Northern Arizona University. He earned the Certified Reverse Mortgage Professional designation in 2011.

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Kurt Reheiser

Kurt Reheiser is executive vice president and chief information officer at Guild Mortgage, where he leads the company’s rapidly evolving technology and information strategy. He has more than 25 years of mortgage banking experience, as well as a successful track record of leading the development and implementation of integrated systems and programs that drive change and bring organizational cost savings. His expertise includes operational analysis and business-process improvement; performance optimization; reporting and analysis; and vendor evaluation, implementation and monitoring.

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Richard Reimer

Richard C. Reimer, CCIM has more than 38 years of experience in the real estate industry. He is president of Mortgage Industry Consultants, a commercial loan-brokerage and consulting firm in Prescott, Ariz. MIC provides an array of commercial real estate training. All training is designed to provide brokers with the knowledge, training and consulting to be successful in the commercial-mortgage industry.

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Andrew Reising

Andrew Reising is a director at RETS Associates. He joined the company in 2016 after more than six years in staffing and recruitment across several industries, including as a national sales recruiter for Marcus & Millichap. He earned a bachelor’s degree in natural sciences from Loyola Marymount University.

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Joshua Reiss

Joshua Reiss is a vice president with Hunt Mortgage Group, a wholly-owned subsidiary of the Hunt Companies. Based in New York, Reiss is responsible for structuring and marketing the company’s platform of affordable-housing loan products. Hunt Mortgage Group offers Fannie Mae, Freddie Mac and Federal Housing Administration executions as well as proprietary financing for multifamily and most other commercial assets.

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Steve Resch

Steve Resch is vice president of retirement strategies at reverse mortgage lender Finance of America Reverse LLC. He leads the education and training programs for financial professionals about the strategic use of home equity within a comprehensive financial plan. The views expressed in this article are those of the author alone and do not necessarily reflect the views and opinions of his employer. This article is not intended to provide financial planning, wealth management or tax advice. For tax advice, please consult a tax professional.

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Madisyn Rhone

Madisyn Rhone is the manager of government and industry relations at Enact, where she represents the company on Capitol Hill and aids in the development of legislative and regulatory strategies. Rhone joined Enact as an accelerated talent-development analyst and spent two years in a rotational program, gaining experience in risk, pricing and operations. The statements in this article are solely the opinions of Rhone and do not necessarily reflect the views of Enact or its management. Reach Rhone at madisyn.rhone@enactmi.com.

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John Ricciardi

John Ricciardi is the senior subject matter expert in commercial real estate for Built Technologies. He works with banks and fintech startups that are focused on commercial real estate lending. He also helps financial institutions grow and work more efficiently with customers to manage their construction loans.

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Tom Riccio

Tom Riccio is the president of the promotional solutions division at Deluxe. His team provides marketing-software solutions that help real estate industry professionals — from mortgage brokers to real estate agents — generate leads, promote listings and build clients for life. Deluxe offers one of the most comprehensive libraries of real estate marketing content available to the industry. Learn more at re.deluxe.com.

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Brian Rich

Brian Rich is a partner at the law firm Barclay Damon. He regularly represents some of the world’s largest banks and financial institutions as well as local and regional clients. He handles a variety of business and commercial disputes, including contract claims, real estate litigation, contested commercial and residential foreclosure actions, mortgage resolution, unfair business practices actions, and fraud and lender liability claims. Reach Rich at (203) 672-2670 or brich@barclaydamon.com.

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Michael Richardson

Michael J. Richardson is chief commercial officer at CrediVia, a commercial loan marketplace for simpler, smarter, faster real estate financing. Richardson’s executive background spans commercial real estate, software-as-a-service, information and technology services. He has proven successful at helping early-stage businesses achieve significant growth and also has managed key client-facing aspects of larger organizations. Richardson came to CrediVia after more than 15 years at Reis, where he played a central role in building the company’s reputation and market reach as it stands today.

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Rebecca Richardson

Rebecca Richardson is a Charlotte-based originator for Kind Lending. She is popularly known as “The Mortgage Mentor” and is a seasoned loan officer with 20-plus years of experience. She has a strong passion for helping individuals achieve their dreams of homeownership. As a social media influencer and industry thought leader, Richardson uses her platform to educate and empower others.

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Steve Richman

Steve Richman is a national speaker and customer trainer for Genworth Mortgage Insurance who has taught more than 250,000 professionals in every state in the U.S. After a previous career as a successful litigation attorney, Richman transitioned to the mortgage industry to become a loan officer, account executive and manager of a mortgage operation. Statements provided are the opinions of the author and do not necessarily reflect the views of Genworth or its management.

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Joel Rickman

Joel Rickman is senior vice president of verification services at Equifax, where he serves as general manager for a $1 billion line of business for the company. Rickman plays an instrumental role in shaping the future of The Work Number, an industry-leading income- and employment-verification product. His team helps clients utilize the data across the lending cycle to optimize credit decisioning, underwriting, portfolio review and recovery.

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Michael Riley

Michael James Riley is a California real estate broker and also holds multiple state mortgage-lending licenses. He is a consultant in states’ licensing and California compliance, achieving the experience and credentials while serving as a principal broker and states’ licensing manager during the former refi boom.

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Jacqueline Ring

Jacqueline Ring is vice president of warehouse operations for Florida Capital Bank Mortgage. Over the course of her 25-plus year career in the mortgage industry, including more than a decade with her current company, Ring has acquired deep and nuanced expertise in analytics, policies, procedures and regulatory compliance. She excels in managing complex projects, products and teams, while continuing to provide exemplary customer service.

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Dawn Ringel

Dawn Ringel is senior vice president, public relations of Incenter Marketing, an integrated branding, marketing and public relations firm with specialties in the mortgage, financial services, professional services, real estate, technology and business-to-business sectors. Her credentials include more than 30 years of guiding brands through top-tier business and trade media at the international, national, regional and local levels. She holds a master’s degree in public relations from Boston University and a bachelor’s degree, magna cum laude, from Connecticut College.

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Lee Roberts

Lee H. Roberts is managing partner of SharpVue Capital, a private investment management company based in Raleigh, North Carolina. He has spent more than 20 years in real estate finance and investments, including roles in private equity, investment banking and commercial banking. He previously served as budget director for the state of North Carolina, where he led an effort to rationalize the state’s real estate portfolio.

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Ryan Roberts

Ryan Roberts is the senior director of marketing at Triumph Capital Partners. Triumph recently formed a joint venture with Brixton Capital, a San Diego-based real estate investor and operator, whose principals have a combined 40-plus years of experience in property development and real estate finance. Brixton’s portfolio totals more than 10 million square feet and is valued in excess of $1.4 billion.

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Ed Robinson

Ed Robinson was named president and chief operating officer of American Advisors Group (AAG) in 2021. He has more than 30 years of professional and military leadership experience. Prior to AAG, Robinson most recently served as COO of Genesis Financial Solutions, as senior vice president of real estate and mortgage at USAA, and as head of mortgage at Fifth Third Bank. Robinson earned a bachelor’s degree in business administration from Temple University and an MBA from the University of North Carolina at Chapel Hill.

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Andres Rodriguez

Andres Rodriguez is a mortgage originator with Lending 3, a Fountain Valley, California-based company that specializes in conventional financing as well as nonqualified mortgage (non-QM) products. Rodriguez also helps manage the residential division of a private equity brokerage, MCapital Holdings LLC, also based in Southern California. He has been in the mortgage industry for three years, helping clients in the conventional residential space as well as working with commercial loans, bridge loans and private equity. Reach Rodriguez at andres@mcapitalllc.com, andres.rodriguez@viewpointlending.com or (562) 217-3336.

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Anthony Romano

Anthony Romano is CEO of CREtelligent (formerly eScreenLogic). He joined the company in December 2018 to lead its business strategy and execution. Romano has held leadership roles at First American Financial and CoreLogic, and was a co-founder of CustomerLink Systems, a vertically integrated customer relationship management platform service. He holds a degree in management and economics from Sacramento State University.

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Adam Roseman

Adam Roseman is CEO of Steady, a groundbreaking platform building a better future for America’s workforce by helping them fill income gaps and manage their income. Prior to Steady, Roseman co-founded two businesses in Asia and spent the first decade of his career in a mergers-and-acquisitions advisory role.

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Suzanne Ross

Suzanne Ross is director of mortgage product at Ocrolus, a document automation platform that powers the digital lending ecosystem, automating credit decisions across small-business lending, mortgages and banking. She’s spent nearly her entire career in the mortgage business, focusing on staying up to date with industry consumer trends. Ross has led the implementation of strategic workflow processes and new technology, resulting in growth and efficiency for multiple national lenders and banks.

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Tim Ross

Tim Ross is CEO of Ross Mortgage Corp., a residential mortgage banking company based in Troy, Michigan. He has more than 30 years of experience in the lending industry, having expanded Ross Mortgage from a single-office startup to a multibranch, full-service company. Ross Mortgage is one of the top independent lending companies in the Midwest and serves its clients through a network of offices throughout the eastern U.S. Reach Ross at tross@rossmortgage.com.

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Ernesto Rostoker

Ernesto Rostoker is the founder of RBI Mortgages. Originally from Caracas, Venezuela, Rostoker earned a bachelor’s degree from the University of Miami and later completed a master’s degree in accounting at Nova University. In 2016, Rostoker founded RBI Mortgages with the intent to fund competitive private loans to real estate investors, and to provide flexible loans to foreign nationals and first-time buyers. The company has now funded more than 5,000 clients in the Florida market.

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David Roth

David A. Roth is the president and broker of Access G T Mortgage Inc., which is a private-money lender and mortgage broker in Keizer, Oregon. He has been in the mortgage industry since 1994.

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Sam Royer

Sam Royer is national director at Heroes First Home Loans, where he helps provide affordable mortgage financing for active and retired military members, police, firefighters, health care workers, educators and other civil servants. His experience in the U.S. Marine Corps and ability to forge relationships with frontline workers have allowed Royer to stake out a unique position in the industry while fueling his passion to give back to those who take care of us. Reach Royer at sam@heroesfirst.com.

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Steve Rudow

Steve Rudow is an FHA multifamily loan originator for AGM Financial Services Inc. Rudow joined the AGM team in 2001 as an FHA MAP underwriter. He is an instructor for the Mortgage Bankers Association’s HUD multifamily underwriting training program, teaching a course entitled, “Valuation Analysis & Investment Math.” He also served as an adjunct professor for the University of Maryland’s Colvin Institute of Real Estate Development, co-teaching the market-analysis and valuation courses.

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Nicole Rueth

Nicole Rueth is a producing branch manager and senior vice president for the Rueth Team at Fairway Independent Mortgage Corp. in Englewood, Colorado. Rueth has been passionately advising clients on their wealth-building and home-financing strategies for nearly 20 years. Rueth has excelled at originating loans, due in part to an initial background on the operations side of mortgage financing, including warehouse management, lender relationships, post-closing and loan-product management. Reach Rueth at nrueth@fairwaymc.com.

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Nathan Rufty

Nathan Rufty is a mortgage coach and trainer with Mortgage Marketing Pros, a company that works with loan officers to develop marketing plans that increase leads and closed loans. Mortgage Marketing Pros was created by a producing loan officer and a master marketer to teach mortgage professionals how to create their own businesses without relying so much on one or two streams that can dry up without warning.

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James Russell

James D. Russell, CPA is the managing partner of MTG Consult.

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Jerry Sager

Jerry Sager is senior managing director of First National, a leading principal lender to the hospitality industry, mixed-use commercial properties, golf courses and special-asset owners. With more than 25 years of experience in lending to property owners and management companies, his team has provided financing for the acquisition, construction, expansion and refinancing of specialized assets throughout the U.S.

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Abby Shemesh

Abby Shemesh, co-founder and chief acquisitions officer at Amerinote Xchange, brings over two and a half decades of profound experience in both the primary and secondary mortgage markets. Originally starting his career in mortgage loan origination, covering both residential and commercial loans, Shemesh transitioned to the secondary market and loan acquisitions in early 2006. His extensive expertise has led him to be featured in numerous industry publications such as Realtor.com, Investopedia and Yahoo Finance, among others.

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Olivia Sanders

Olivia Sanders is an executive assistant with National Land Realty. Earlier this year, she began working with 1031 exchanges and has since become an integral part of her company’s 1031 team. Prior to embracing this exciting endeavor, Sanders earned her bachelor’s degree in business administration management with a minor in marketing from Winthrop University. She lives with her son in Greenville, South Carolina. She enjoys spending time outdoors, at the local gun range, and in the mountains with family and friends.

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Richard Sarkis

Richard Sarkis is CEO and co-founder of Reonomy, a commercial real estate data and analytics platform. Since the company’s founding in 2013, Sarkis has been instrumental in raising $68 million in venture capital and led Reonomy through a successful web-platform launch in New York City, as well as the launch of a second nationwide platform in 2017. An avid entrepreneur, Sarkis has launched numerous companies, including an international arbitrage textbook company, a college marketing network and an offshore tech company.

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Jeff Saul

Jeff Saul is helping to lead Built Technologies’ strategy for delivering value to commercial mortgage lenders while continuing to grow the company’s construction and real estate finance technology. Bringing more than eight years of lending experience to the role, Saul spent time in investment banking and real estate private equity, most recently at Starwood Capital, before helping to launch lender software platform Nativ in 2018. Nativ was designed to simplify commercial real estate deal management and was acquired by Built earlier this year.

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Richard Sawicky

Richard Sawicky is chief data officer for Attom Data Solutions. In his 13 years at the company, Sawicky has designed the foundational architecture of the Attom Data Warehouse, led all aspects of data development and production, and presently fosters strategic partnerships with Microsoft to engineer the next generation of data platforms for Attom’s customers. Prior to Attom, Sawicky spent more than 10 years developing enterprise data products for numerous Fortune 500 companies, including Weyerhaeuser and Fluor Corp. He also spent several years in the mortgage industry building loan-origination systems and performing custom platform integrations for mortgage-industry customers.

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Tyler Sawyer

Tyler Sawyer is vice president and general manager of the rental, real estate, and property data and analytics business for Equifax. He is responsible for successful launches into new-market segments through careful market analysis that leverages distinctive and comprehensive Equifax solutions. Sawyer brings more than 20 years of experience to his position at Equifax.

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Kuldeep Saxena

Kuldeep Saxena is a project manager who oversees mortgage and lending projects for Chetu, a global custom software solutions development and support services provider. Saxena, who has been working for more than 10 years at Chetu, has a master’s degree in computer applications and more than 15 years of experience in IT software.

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Jonathan Scarpati

Jonathan Scarpati is senior vice president of wholesale lending for Finance of America Reverse LLC. He is a 16-year veteran in the reverse mortgage industry. Scarpati spent his first six years in the business at Senior Lending Network and Lender Lead Solutions, where he served as vice president of sales for the wholesale and lead-distribution divisions. He graduated from the University of Delaware, where he earned a bachelor’s degree in leadership and consumer economics.

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Jeff Schaefer

Jeff Schaefer is executive vice president of correspondent sales at Verus Mortgage Capital, Washington, D.C., a leading non-QM correspondent investor backed by Invictus Capital Partners, a leading investment firm. Schaefer has more than 25 years of mortgage industry sales experience. Prior to Verus, Schaefer served as executive vice president of national sales at FirstKey Mortgage. To learn more about Verus, go to www.verusmc.com.

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Scott Schang

Scott Schang is a mortgage originator and owner of the website Find My Way Home, where hundreds of loan officers get matched up with borrowers who seek a second opinion on a new mortgage. He has been a mortgage originator since 1998 and started his first consumer-direct website in 2007 to help provide answers for online consumers with questions about qualifying for a mortgage after the 2008 real estate crash. Find out more at findmywayhome.com.

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Ethan Schelin

Ethan Schelin is president of Virtua Credit, a commercial real estate advisory and investment company that arranges capital for institutional-grade real estate assets. Virtua Credit focuses on originating, structuring and procuring real estate equity and debt capital, including projects for private equity funds and offerings sponsored by Virtua Partners. Hotel investors, owners and developers seeking financing can contact Schelin at ethan@virtuacreditcorp.com.

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Jerry Schiano

Jerry Schiano is co-founder and acting chief executive officer of Spring EQ. He has more than 25 years of entrepreneurial experience in the mortgage industry, including founding and successfully leading multiple lending organizations. With Sprint EQ, Schiano is executing a vision of leveraging technology to provide a user-friendly, digital home equity lending process — balancing human interaction and expertise with technical efficiencies to ultimately provide a superior experience for the customer.

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Hans Schmit

Hans Schmit is an analyst at Bulk Aggregate Supply, a nationwide online marketplace for construction materials. Bulk Aggregate Supply offers contractors, landscapers and homeowners complete price-sheet information for quarries and handles product deliveries. Reach Schmit at (602) 456-6714.

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Brandon Schnitzer

Brandon Schnitzer is the finance industry general manager at Natural Intelligence, a leader in intent marketing and a provider of comparison websites that drive high-value customer acquisition for leading brands.

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Eli Schwarz

Eli Schwarz is senior director of enterprise partnerships at Jornaya, a consumer journey insights platform that provides publishers, marketers, data analysts and compliance professionals with the highest-resolution view of the consumer-buying journey. It is a unique technology platform that witnesses both first- and third-party consumer interactions in real time and across devices. Meeting consumers at these moments of intent enables businesses to shorten the distance between data, decision and action.

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Justin Schwing

Justin Schwing is vice president of national facilities at Planet Home Lending. In the position, Schwing provides executive leadership and management for the acquisition, lease management and maintenance of the company’s facilities across the country.

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David Scott

David C. Scott is president and house counsel at Silverado Funding LLC, a private mortgage bank in Portland, Ore. Silverado Funding provides residential real estate loans for investment purposes and specializes in rehabilitation and construction loans. It originates and services all loans in-house. Silverado Funding has structured and financed more than 1,000 hard-money transactions. Scott is a loan originator and a licensed real estate broker in Oregon.

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Rick Scott

Rick Scott is the director of construction lending for Silverton Mortgage, a position he’s held since 2018. During his 40 years in the mortgage industry, he has headed sales and operations for the construction lending groups at several regional and national mortgage banking companies. Scott was born and raised in Virginia but relocated in 1997 to Atlanta, where he currently lives with his wife of 32 years. Scott has three grown children who also reside in the Atlanta area. Reach Scott at (470) 289-5038.

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Mary Scully

Mary Kay Scully is the director of customer education at Genworth Mortgage Insurance, leading the development of the company’s customer-education curriculum. In this role, she trains more than 7,500 professionals per year on a wide range of topics, including updates to process improvements, and how to navigate and adhere to evolving compliance requirements. The statements in this article are solely the opinions of Scully and do not necessarily reflect the views of Genworth or its management.

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Todd Sears

Todd Sears is the chief financial officer for Herman & Kittle Properties Inc., a full-service developer, contractor, property-manager and owner for apartments and self-storage located in the Midwest and Gulf Coast areas.

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Mike Seminari

Mike Seminari is the director of customer experience for Stratmor Group, a data-driven mortgage advisory firm offering its clients expert advice on strategy design and execution, mergers and acquisitions, and marketing and sales operations optimization and technology. Seminari has more than 25 years of business- to-consumer and business-to-business experience in the mortgage and technology industries. He has grown Stratmor’s customer experience practice into an industry leader in the drive to optimize the mortgage borrower’s experience.

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Luke Shankula

Luke Shankula is a leading mortgage marketing expert and is CEO of Paragon Digital Marketing Group. He has spoken at several Legion of Loan Officers events and runs a successful seven-figure mortgage marketing agency. He has been featured in multiple mortgage industry publications and contributes content for the industry as well.

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Rick Sharga

Rick Sharga is the executive vice president of market intelligence at Attom Data Solutions. Sharga has more than 20 years of experience in the real estate and mortgage industries, having previously served in executive roles for RealtyTrac, Carrington Mortgage Holdings, TenX and Auction.com. He is one of the country’s most frequently quoted sources on real estate, mortgage and foreclosure trends. Sharga is a founding member of the Five Star Institute’s National Mortgage Servicing Association and is on the board of directors for the National Association of Default Professionals. Learn more about Attom Data Solutions at attomdata.com.

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