Author - Scotsman Guide

Authors

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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