Author - Scotsman Guide

Authors

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 a director of economic research at Moody’s Analytics, specializing in commercial real estate. Her research interests include the intersection of REITs and the macroeconomy, and she has been published in academic journals as well as industry publications.
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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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