Author - Scotsman Guide

Authors

Max Chera

Max Chera, managing partner and co-founder of Express Capital Financing, is a recognized expert in real estate and hard money lending. Max built a successful brokerage by age 21, mastering high-volume sales and mentoring agents nationwide. With extensive experience as a broker and strategic adviser, Max has become the go-to expert for investors seeking tailored solutions and sustainable growth.

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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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