Bold. Innovative. Unyielding. A new mortgage firm born out of years of frustration with the status quo. After working on the corporate side of wholesale mortgage lending for nearly 60 years combined, our founders decided that the only way to influence change in an overly bureaucratic ecosystem that lacked innovation and the courage to change, was to do it ourselves. We will redesign what is a typically complex process and simplify it for the consumer through expert experience honed over decades in wholesale mortgage lending. An experience that’s tailored to each Client’s specific needs, incorporating mortgage finance into their overall financial planning strategy. Fiduciary guidance, transparent communication, and a customized concierge level experience will be the foundations of our practice.#BorrowHappy

Mortgage Executive & Enthusiast. Strategic & Tactical Operator. Driver. Builder. Status Quo Disruptor. My job is to make our Broker Partners and their referral sources look good. Period.● Channel Head; Responsible for all facets of third party originations for top 25 Mortgage Bank● Responsible for the strategic direction, growth & profitability of the channel● Responsible for channel P&L; including margin & expense management● Oversaw palpable marketing and rebrand strategy including build of new logo, website & all collateral● Developed modern/compliant Counterparty Approval/Monitoring policy & software to support scale● Oversaw all technology initiatives for TPO including the deployment of the client portal, ExpressLoan● Work in collaboration with Fulfillment Site Leader(s) to develop workflow and optimize processes that remove friction from the process, improve the client experience and create margin opportunities● Initiate process & policy standardization across 3 TPO Fulfillment Sites; Subsequently oversaw site consolidation to 1 National fulfillment location● Collaborate with other Executive stakeholders in Capital Markets, Credit Policy & Compliance to ensure alignment of goals and optimal execution for the Channel● Hired 2 Divisional Sales Leaders to lead & manage production & headcount growth on both coasts● Accomplished production growth rate of 75% during my tenure; above industry & peer average during same time period

* Top executive over entire TPO channel for top 50 Mortgage Bank* Responsible for the design, implementation, optimization and strategic initiatives of new channel* Developed all policy, process & people infrastructure* Developed TPO specific workflow & processes to maximize production while creating efficiencies * Authored culture code called “The Cardinal Rules”* Created and service marked “We Can Do That”℠ tagline

Wholesale & Non Delegated Correspondent Regional Vice President for #1 Wholesale Lender in U.S. Responsible for a 10 state footprint.As the RVP Wholesale Sales for the MidAtlantic and Southeast Region, I focused on the development of specific sales strategies and disciplines in both new and existing markets in order to grow and sustain market share. Acquired under performing sales division and successfully executed a rebuild of the sales and operational platforms; hired 11 out of 13 AE's and grew production by 400%. 2015 Production Stats: #1 Region in Purchase market share, #1 Region in Government Market share, #1 Region in Funded Units east of CO. Authored Sales Channel Conflict Rules of Engagement; Served as the Wholesale Delegate Representative on Corporate Credit Committee and Chaired the National Producers Council.

Wholesale & Whole Loan Correspondent Regional Sales Leader for Top 10 Institutional Lender. #1 Region in East for 2011. Managed #1 Account Executive in Eastern Division. Grew production in the Region by 3x over a 6 month period. MetLife ceased mortgage operations in March 2012.

Wholesale Regional Sales Manager responsible for growth in 8 state region. Developed and introduced sales training modules focusing on core competencies: Account Management Best Practices, Overcoming Objections and Consultative Selling Techniques. Collaborated with Executive and Operations Management on workflow efficiencies to improve cycle times and Client Penetration rates. Conducted a complete rebuild of the Region and grew to #1 region in funding units and pull through outside of CA.

Founding member of Executive Team that developed the Wholesale and Correspondent whole loan conduit including: Business Plan Development and Proforma, Fulfillment Vendor Due Diligence/Selection/Oversight, Marketing Plan and Budget, Client Approval/Monitoring Policies and Procedures, Client/Operational Guide and Website Development. Developed National Sales Plan and collaborated in building Sales Teams throughout U.S. Directly managed Mid-Atlantic and Southeast Sales team from 2004-2008. Ranked #1 Region in total units, #1 Region in Client Penetration/Activity, #1 Region in Pull Through, Hired & Manged 4 of the Top 10 nationally ranked Account Executives.

Southeastern Regional Sales Manager located out of Charlotte, NC. Managed sales staff of 25 Account Executive's throughout the Southeast with additional responsiblity for 20 sales support staff in two operational centers (Charlotte, NC and Orlando, FL). Instrumental in developing the National Sales Training Program. Recognized as top Region in 1997 and 1998. Member of GreenPoint Financial Chairman's Committee for College Recruiting Management Program in 1999 and 2000.

Barclays American Mortgage was acquired by Greenpoint in 1995. I was promoted to Regional Sales Manager shortly afterwards.

Account Executive for Chemical Financial Services.Indianapolis: 1989 - 1990Chicago: 1990 - 1991