Author

Authors

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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