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Your Combination for Success! Your Partner withCombination a mortgage team for whoSuccess! closes for you. Programs we offer to assist Special Loan Programs for for Unique Buyers: Partner with a you: mortgage team who closes you. • Progressive Open House Tours Programs we offer to assist you: • Hosted Seminars with Industry Leaders • Homebuyer’s Educational Classes • Progressive Open House Tours • Hosted Seminars with Industry Leaders • Homebuyer’s Educational Classes

• 90% LTV with Jumbo Loans Special Loan Programs for Unique Buyers: • Pledged Assets Program • Foreign National Loans • 90% LTV with Jumbo Loans • Pledged Assets Program • Foreign National Loans

Alan Cipolletti (949) 705-0558 NMLS ID 653005 Alan Cipolletti Sales Manager (949) 705-0558

Ryan Grant (949) 705-0582 NMLS ID 118767 Ryan Grant Sales Manager (949) 705-0582

Edna Austin (949) 705-0543 NMLS ID 283761 Edna Austin (949) 705-0543

NMLS ID 653005

NMLS ID 118767

NMLS ID 283761

E XECUTIVE AGENT

E XECUTIVE AGENT MAGAZINE

By Lalaena Gonzalez-Figueroa TM

By Lalaena Gonzalez-Figueroa

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enior Loan Consultant John Davis has established himself as a relationship-driven professional with a comprehensive knowledge

John Davis (949) 705-0576 NMLS ID 341251 John Davis (949) 705-0576 NMLS ID 341251

of the elements necessary to fund and close successful real estate transactions. Collaborative and focused, he works primarily with real estate agents, financial professionals, and consumers developing financing and purchase strategies that will best suit each client’s needs.

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NMLS ID 380219

Ryan Grant

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John Davis

MAGAZINE

NMLS ID 275073

Sales Manager

Sales Manager

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Chris Black Marc Bui (949) 705-0567 (949) 705-0587 NMLS ID 275073 NMLS ID 380219 Chris Black Marc Bui (949)E705-0567 (949) 705-0587 XECUTIVE AGENT

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ith over $2.3 billion in funding in 2011, imortgage has established itself as a significant resource for residential real estate loans. Since

its inception in 1999 the firm has successfully navigated challenging financial markets and expanded its repertoire to provide a range of loans and products for a growing client base. imortgage offers a wide spectrum of financing options, ranging from luxury high-end purchases, to first-time home buyers and even credit impaired clients. The company’s commitment extends beyond the consumer; imortgage representatives work closely with real estate partners in order to help them build and develop their businesses as well.

Cory De Pass (949) 705-0584 NMLS ID 259274 Cory De Pass (949) 705-0584

Janice Eckles (949) 705-0581 NMLS ID 653004 Janice Eckles (949) 705-0581

Nipper Larson (949) 705-0583 NMLS ID 397408 Nipper Larson (949) 705-0583

Brett McDonell (949) 705-0577 NMLS ID 303085 Brett McDonell (949) 705-0577

NMLS ID 259274

NMLS ID 653004

NMLS ID 397408

NMLS ID 303085

“We are structuring business deals,” he explains. “I’m not just someone

who is there to cover

the lending portion of a transaction. I’m here to help make it happen.”

John launched his lending career after earning recognition as an accomplished senior executive who negotiated over $300 million in media contracts. His corporate experience proved an ideal foundation upon which to build a business in mortgage lending; John is financially savvy and understands the importance he plays in assisting his clients achieve their long - and short - term real estate goals. “In order to identify the options that will best suit my clients, it is imperative that I get to know them,” he offers. “This goes beyond a single transaction; it’s about developing a deeper understanding of their wants and needs so that I may present them with the best programs for their unique circumstances.”

Matt Miede (949) 705-0573 NMLS ID 470783 Matt Miede (949) 705-0573

Lynn Nelson (949) 705-0580 NMLS Nelson ID 653022 Lynn (949) 705-0580

Mina Roditis (949) 705-0586 NMLS Roditis ID 392977 Mina (949) 705-0586

Stan Shechtman (949) 705-0579 NMLS ID 339126 Stan Shechtman (949) 705-0579

NMLS ID 470783

NMLS ID 653022

NMLS ID 392977

NMLS ID 339126

ExEcutivEAgEnt Magazine

ExEcutivEAgEnt Magazine

“Relationships matter to us, from consumers, to real estate agents to mortgage planners, we enjoy the opportunity to develop a sense of what people need.”

Sales Manager Ryan Grant oversees an exceptional team of mortgage planners within imortgage’s Newport Beach branch. Ryan states that “My team and our ability to work together is what make our service levels so special. As a loan officer or real estate agent, you cannot be effective in our business alone, which is why our team is so valuable.” Growing up in the small town of Sonora, California, he developed a sense of business that emanates from a personal perspective. “Relationships matter to us,” he explains. “From consumers, to real estate agents to mortgage planners, we enjoy the opportunity to develop a sense of what people need, and then to work with them to assist them in accomplishing their goals.”

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If you are looking for an excellent employment opportunity, please contact John J. Reed, Branch Manager, (949) 705-0550. If you are looking for an excellent employment opportunity, please contact John J. Reed, Branch Manager, (949) 705-0550.

Newport Beach

We have a loan for every home...simple as that®. We have a loan for every home...simple as that®. imortgage 1301 Dove Street, Suite 101 Newport Beach, CA 92660. Rates, terms and loan program availability are subject to change without notice. Consumer is subject to specific program qualifications. This is not an advertisement to extend consumer credit as defined by section 226.2 of Regulation Z. Licensed by California Department of Corporations CRMLA


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We have a loan for every home...simple as that®.

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he notes. “imortgage also provides excellent marketing and co-branding opportunities as well as in branch processing. The company was an ideal fit for our team, and we look forward to growing together.”

John Reed is a seasoned mortgage veteran with ample leadership experience to his credit. With over 25 years’ experience in the business, he has aligned himself with industry leaders, maximizing his potential and inspiring others to follow suit. When presented with the opportunity to transition his business as branch manager of imortgage’s Newport Beach location, John was confident that the office would offer what he, his team and their clients needed. “As a purchase-focused company that encourages collaboration with referral partners, imortgage understands the importance of timeliness in closing loans and offering great products,”

While imortgage originated as an online portal for builder-based business, the company quickly adapted its model to expand into consumer residential loans and refinances. Technology continues to drive the company, which offers easy access to consumers and industry professionals alike. But imortgage isn’t an anonymous company frittered behind an IP address; with 44 offices established throughout the western United States, the lender emphasizes the importance of establishing business through personal and attentive client care. The Newport Beach team, led by Sales Manager Ryan Grant, resides in a beautiful and well-appointed space that features an open floor plan. The atmosphere is professional, sophisticated; this is a business that hums with energy and purpose, attracting consumers and real estate professionals who seek to work with motivated and knowledgeable loan consultants.

By Lalaena Gonzalez-Figueroa - Ian Wiant Photographer

progressive direct lender mortgage bank with the capacity to broker loans, imortgage has established itself as an emerging leader within its financial sector. The company is strong, with over 700 employees situated in offices across seven western states. And imortgage continues to grow, propelled by repeat and referral business driven by customers who appreciate the company’s range of products and its commitment to providing responsive client care.

Ryan Grant, Alan Cipolletti, John Reed ExecutiveAgent Magazine


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imortgage offers a solid array of loan products designed to meet the needs of a diverse client base. Asserts Ryan, “In today’s current economic environment, it is imperative that a lender provide a variety of niche products, such as investor-friendly loans that allow for FHA flips in less than ninety days. imortgage also provides financing for clients with up to ten existing financed properties, which is a significant draw for investors.” First-time buyers, too, will discover ample opportunities to borrow thanks to down payment assistance loans. From 1% down products to loans designed for credit scores in the high 500’s, the lender is on-par with today’s consumer market. “We also offer jumbo financing and an REO or short sale extended lock program,” adds Ryan. imortgage is an approved lender for FHA, Fannie Mae, Freddie Mac and USDA loans, and readily participates in programs offered by state and local governments. Beyond its products, what distinguishes imortgage from other lenders is its structural flexibility. Says Ryan, “Because we are a direct lender, we have access to a range of investors and can utilize creative underwriting in order to accommodate challenges that may arise during the course of a loan.” Unlike big box banks, he explains, “imortgage has the capacity to point a given loan in different directions, adapting as needed in order to facilitate a successful transaction.”

imortgage’s commitment to closing loans with efficacy has made a tremendous impact on the company’s relationship with area real estate professionals. John states, “Our company as a whole is dedicated to helping agents build their businesses. We pride ourselves on offering exceptional customer service to industry professionals as well as consumers, and continue to establish ourselves as a business committed to long-term growth.” It’s an exciting time at imortgage, where a collaborative atmosphere fosters ongoing success for loan consultants, consumers and real estate professionals. As real estate markets continue to present new opportunities, imortgage is providing sound solutions, making business happen. John Reed, Branch Manager imortgage 1301 Dove Street, Suite 101 Newport Beach, CA 92660 Telephone: 949.705.0550 www.imortgage.com

imortgage is licensed by the California Department of Corporations CRMLA 4130969, NMLS 3096. Equal housing lender. 05/2012

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Ryan Grant By Lalaena Gonzalez-Figueroa

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ith over $2.3 billion in funding in 2011, imortgage has established itself as a significant resource for residential real estate loans. Since

its inception in 1999 the firm has successfully navigated challenging financial markets and expanded its repertoire to provide a range of loans and products for a growing client base. imortgage offers a wide spectrum of financing options, ranging from luxury high-end purchases, to first-time home buyers and even credit impaired clients. The company’s commitment extends beyond the consumer; imortgage representatives work closely with real estate partners in order to help them build and develop their businesses as well.

“Relationships matter to us, from consumers, to real estate agents to mortgage planners, we enjoy the opportunity to develop a sense of what people need.” Sales Manager Ryan Grant oversees an exceptional team of mortgage planners within imortgage’s Newport Beach branch. Ryan states that “My team and our ability to work together is what make our service levels so special. As a loan officer or real estate agent, you cannot be effective in our business alone, which is why our team is so valuable.” Growing up in the small town of Sonora, California, he developed a sense of business that emanates from a personal perspective. “Relationships matter to us,” he explains. “From consumers, to real estate agents to mortgage planners, we enjoy the opportunity to develop a sense of what people need, and then to work with them to assist them in accomplishing their goals.”

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Savvy Solutions for Today’s Real Estate Needs Ryan’s approach is in keeping with the imortgage philosophy, which emphasizes the importance of a comprehensive client base. The firm’s ability to adapt to the changing needs of an evolving real estate market has allowed imortgage – and its business partners - to continue to do business during the most challenging conditions. Ryan’s commitment to customer service and his innovative marketing drives business; imortgage has achieved consistent growth thanks to strategic alliances with referral partners, business partners, local corporations, affiliates and the highest levels of client satisfaction from their consumers. “We haven’t had to utilize flashy advertising and marketing campaigns to build business,” Ryan notes. “Instead, we have invested in the elements that will allow us to continue to develop relationships with clients and business partners.” Yes, working with imortgage is incredible, but Ryan also notes that working for imortgage is where you realize that greatness. imortgage loan representatives enjoy comprehensive support systems and a company culture that facilitates success. “I truly believe that our organization is unparalleled in its structure and approach,” asserts Ryan. “We provide everything a mortgage originator needs to excel, with competitive products and rates, great marketing resources and a solid team of professionals in their fulfillment center. Every aspect of the loan process has been reviewed and tailored to create a consistently successful transaction.” Meeting the needs of real estate professionals has been paramount to the success of imortgage, an organization that understands how to relate to its professional clientele. “We work closely with agents through co-branded marketing and advertising campaigns, consumer-friendly systems and exceptional communication,” Ryan observes. “From innovative property flyers and marketing collateral, to websites and business strategies, imortgage provides comprehensive solutions designed to meet the needs of real estate professionals as well as consumers looking to sell their homes.”

on-the-fly business for real estate professionals and their consumer clients. Proprietary systems maintain efficacy throughout the course of a given transaction which, says Ryan, has become an increasingly complex endeavor. “Within the past few years, the process of buying a home has changed significantly,” he says. “Even seasoned investors are surprised with what is asked of them to obtain financing. imortgage professionals are incredibly proactive and work closely with their clients to assist them from start to finish, and we make sure to educate each client through the entire process.” Automation has its place, but not in cultivating customer service. Ryan notes that imortgage professionals maintain a sense of accountability to their clients, readily availing themselves to address questions and concerns. “Our clients aren’t navigating phone systems,” he says. “A live person answers their calls and ensures that we work to meet their needs. Ryan and his team also realize that the real estate profession does not stop on Friday at 5:00pm, which is why his team is dedicated to being available on nights and weekends to accommodate our business partners and clients alike. imortgage strives to achieve timely closings, and to educate its business partners and consumers throughout the course of every transaction. With an array of products and services, competitive rates and flexible financing terms, imortgage continues to gain recognition as a solid choice for real estate lending.

As its name implies, imortgage is a company committed to maintaining a technological edge. Web-based applications and a virtually paperless process facilitate ExecutiveAgent Magazine

Ryan Grant Sales Manager 1301 Dove St., Suite 101 Newport Beach, CA 92660 Telephone: 949.705.0582 ryan.grant@imortgage.com www.imortgage.com/ryan.grant NMLS ID 118767


Alan Cipolletti Your Partner in the Mortgage Industry By Lalaena Gonzalez-Figueroa

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or over 23 years, mortgage professional Alan Cipolletti has served as an integral component of thousands of Orange County real estate transactions. A strong focus on customer care, coupled with his commitment to maintaining up-to-date market knowledge, enables Alan to provide his clients with exceptional service throughout every transaction. After earning a degree in Finance from San Diego State University, Alan was accepted into a rigorous training program with a Newport Beach mortgage firm in 1987. His understanding of big-picture finances enabled him to build long-term relationships with his clientele, who appreciated Alan’s ability to understand how their real estate investments fit into their financial portfolios. After working for another mortgage company for 19 years, Alan made his move to imortgage in 2012. Though change was inevitable, Alan’s exceptional service proved a constant factor in his business. “Experience makes the difference,” he says of his success. “Though I’ve been in the business for over twenty-three years, it’s unbelievable how unique every transaction is. I learn something new from every loan, and I utilize what I’ve learned in order to facilitate a smoother process in the next transaction.” He explains, “You wouldn’t want to go to an inexperienced doctor for even a cookie-cutter surgery, and you wouldn’t want an inexperienced loan officer to handle the biggest purchase in your life. Every person is working with a distinct set of circumstances, and I tailor every loan package accordingly.”

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Alan works with his clients on an array of loan products including conventional, FHA, jumbo, builder loans, and a special program for members of the California State Teacher’s Retirement System (CalSTRS). As a partner in the real estate process, he understands the importance of ongoing communication, accurate information, and a comprehensive approach. He works with a local team that includes in-house processors who provide invaluable support throughout the loan process. “Working together, we go through every loan with a fine-toothed comb,” he reveals. “Our aim is to make the experience as smooth as possible for our real estate partners as well as our consumers.” His successful business has been built upon a foundation of attentive care. “I understand that real estate agents need to work with a mortgage professional who is available,” explains Alan. “I return e-mails promptly, answer my cell phone at all times, and am proactive in disseminating important new information to the agents I work with. Ultimately, the service I provide has a direct impact on how their customers will evaluate them, and I strive for the highest level of care.” While Alan is committed to his professional endeavors, he is also a dedicated husband and father. Outside of work he enjoys spending time with his family and coaching his sons’ soccer teams. He looks forward to the opportunity to continue to build his business, helping his clients achieve their real estate goals.

Alan Cipolletti imortgage 1301 Dove St., Ste. 101 Newport Beach, CA 92660 Telephone: 949.705.0558 alan.cipolletti@imortgage.com www.imortgage.com/alan.cipolletti NMLS ID 653005

imortgage is licensed by the California Department of Corporations CRMLA 4130969, NMLS 3096. Equal housing lender. 11/2012

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John Davis By Lalaena Gonzalez-Figueroa

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enior Loan Consultant John Davis has established himself as a relationship-driven professional with a comprehensive knowledge

of the elements necessary to fund and close successful real estate transactions. Collaborative and focused, he works primarily with real estate agents, financial professionals, and consumers developing financing and purchase strategies that will best suit each client’s needs.

“We are structuring business deals,” he explains. “I’m not just someone who is there to cover the lending portion of a transaction. I’m here to help make it happen.” John launched his lending career after earning recognition as an accomplished senior executive who negotiated over $300 million in media contracts. His corporate experience proved an ideal foundation upon which to build a business in mortgage lending; John is financially savvy and understands the importance he plays in assisting his clients achieve their long - and short - term real estate goals. “In order to identify the options that will best suit my clients, it is imperative that I get to know them,” he offers. “This goes beyond a single transaction; it’s about developing a deeper understanding of their wants and needs so that I may present them with the best programs for their unique circumstances.”

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Trusted Resources for Your Lending Needs After affiliating himself with a boutique mortgage broker in Huntington Beach, John determined that imortgage was a firm that would provide him – and his clients – with the services and products they needed to succeed. He joined the company in 2011 and has been thrilled with the course his business has taken. “We employ a really productive business model which focuses on providing exceptional customer care to our agents and their clients,” he explains. “imortgage was founded by individuals who understand the business of real estate, and who have positioned the company for longevity by focusing on purchase business.” From first time buyers in need of down payment assistance programs, to traditional FHA borrowers, to luxury investors seeking jumbo loans, imortgage offers a wealth of options designed to meet the ongoing needs of its diverse clientele. John’s personable approach demystifies the lending process, easing stress and maximizing results for his customers. “I truly enjoy the opportunity to work with a wide range of people,” he notes. “While each situation is different, there are commonalities that resonate with every client.” Open and direct communication, an ability to creatively strategize solutions to challenges, and a focus on closing the deal have contributed to John’s signature standard of business. His dedication has earned him the loyalty and trust of a thriving clientele.

agents and regularly supports the organization’s causes and events. As a happily married family man with four children, John also gives his time to a number of regional civic organizations. John looks forward to continued success with his steadily-growing clientele. Despite industry challenges, he remains optimistic about what the future holds. “Our line of work can be difficult,” he acknowledges, “but it is also very rewarding. There is tremendous satisfaction in knowing that I have helped a family achieve the goal of home ownership, or assisted an investor in expanding his real estate portfolio. I’ve received some of the nicest thank you notes after a successful closing, which is extremely gratifying knowing that I was able to make a positive difference in the lives of my clients.”

To maintain a solid grasp of the issues and challenges facing his Realtor® partners, John maintains an active presence in his local community. He is an affiliate member of the Orange County Association of Realtors®, where he networks with

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John Davis Senior Loan Consultant imortgage 1301 Dove Street, Suite 101 Newport Beach, CA 92660 Telephone: 949.705.0576 John.Davis@imortgage.com www.imortgage.com/john.davis NMLS ID 341251

imortgage is licensed by the California Department of Corporations CRMLA 4130969, NMLS 3096. Equal housing lender. 06/2012


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Brett McDonell ExecutiveAgent Magazine


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By Lalaena Gonzalez-Figueroa

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e launched his mortgage career at the age of 20, and Brett McDonell maintains that he’s in the industry “for life.” He explains, “Real estate is in my family’s blood. My parents were successful agents working throughout Huntington Beach and my uncle has managed several local mortgage companies throughout the past twenty five years. I’ve been around the business for many years, and have always known I wanted to be a part of it.” His enthusiasm has shaped Brett’s business, propelling him in his relationship-driven approach and motivating him to consistently offer an exceptional level of client care. His focus, he says, remains firmly fixed on accomplishing each individual’s unique long-and short-term goals. “I love structuring financial plans,” he asserts. “My business isn’t transactional; I’m not just providing a mortgage. Instead, I partner with CPAs and financial planners to assist clients in preparing for their futures.” Brett is a solution-oriented mortgage banker who works with new home purchase loans as well as refinances. His ample product knowledge and communicative style have earned him the trust and respect of consumers, real estate professionals and industry specialists alike. Supporting the collegial relationships Brett has cultivated with his referral partners is imortgage, a mortgage banking company established with a specific understanding of the needs of industry professionals. On the cutting-edge of technology, imortgage offers a wealth of products designed to meet the needs of a range of real estate consumers. He joined imortgage in May 2011, and Brett explains how the company’s localized approach to lending has made a difference. “With in-house processing, underwriting and funding, we are able to significantly expedite the process of securing mortgage loans for our customers,” he says. “imortgage is truly dedicated to conducting business, even during challenging financial times.” In addition to an array of competitively-priced loan and refinance products, imortgage also offers real estate professionals the advantage of co-branded marketing and advertising, educational seminars and outreach tailored to consumers, and the company’s history of excellence

in client care. With an experienced and knowledgeable leadership team, imortgage continues to explore new opportunities to assist consumers in achieving their real estate-related goals. “While we are an approved direct lender for traditional loans such as FHA and VA as well as state and government loan programs, imortgage also works with independent investor groups,” states Brett. “Our relationships allow us to offer exceptions on loans that might not fit with traditional banks, and to provide creative solutions for our customers’ unique situations and needs.” Brett adds that he appreciates the support of a knowledgeable and dedicated team of professionals who uphold the imortgage standard of care. “Our company is structured to ensure not only that consumers’ needs are consistently met, but that mortgage planners have the resources and assistance necessary to allow us to focus on developing and maintaining client relationships. We have what we need to create our own success.” Brett’s dedication to his business has yielded notable results; he reveals that his business is thriving thanks to a growing base of repeat and referral clients. A dedicated professional, Brett is an active member of the Newport Beach Association of Realtors® and the Orange County Association of Realtors® as well as the Financial Planning Association of Orange County. He has funded in excess of $250 million in loans throughout the course of his career, working with a spectrum of clients including first-time buyers and high net-worth individuals. The Orange County native is also a family man who enjoys spending time with his wife Autumn and son Cruz. Brett McDonell - Loan Consultant imortgage 1301 Dove Street, Suite 101 Newport Beach, CA 92660 Telephone: 949.705.0577 Brett.McDonell@imortgage.com www.imortgage.com/brett.mcdonell NMLS ID 303085

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imortgage is licensed by the California Department of Corporations CRMLA 4130969, NMLS 3096. Equal housing lender. 08/2012


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Marc Bui A Client-Centric Approach

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By Lalaena Gonzalez-Figueroa

is dedicated efforts and comprehensive market knowledge have allowed Marc Bui to fund over $250 million in business, and he maintains an unwavering commitment to meeting the ongoing needs of his thriving clientele. His professional partners appreciate the focus and efficacy with which Marc and his team operate. “We are consistent performers,” he asserts. “Time and again, we are facilitating successful transactions for our clientele.” The course of Marc’s career to date mirrors the tenacity with which he operates. He entered the lending industry while still in college, and credits much of his success today to his creative studies. “I love art,” he says. “My classes taught me to stay organized, which is integral in this business.” But the true foundation of his success, Marc notes, is the network of relationships he has cultivated with consumers and industry-related colleagues. “This is a people business,” he says. “The ability to pair a financial product with the unique needs of individuals is critical.” An entrepreneurial spirit and competitive drive have guided Marc’s professional journey; within four years of launching his lending career, he was opening his own net branch. “It all started as a one-man-show,” he recalls. “I learned to originate and process my own loans.” Eventually he grew the company to a successful 20-person operation. But when the market shifted, Marc made the tough decision to refocus his energy on his clientele. He took a positive perspective from the process, noting, “I had a great experience running my own company. I learned how to treat people well, and I realized that my greatest rewards come from the opportunity to make a difference in the lives of my clients.” Marc joined imortgage in 2011. He appreciates the company’s scope, and notes that imortgage’s competitive rates and full menu of products are designed to meet the ongoing needs of a diverse consumer marketplace. “We’re consistently growing, thanks to our commitment to providing our clients and business partners with an exceptional level of care and range of services,” he observes. His client-centric approach mirrors the philosophy at imortgage. Marc explains, “We are firm believers that when you put your clients at the forefront of your actions, your business will grow accordingly.” To facilitate this model, imortgage has implemented a solid technological platform that allows loan consultants like Marc to maintain communication and maximize efficacy throughout the

course of every transaction. Taking the technological edge a step further, Marc has developed a proprietary program that, when launched, will streamline the business of real estate lending. His efforts have been supported not only by the cache of resources at imortgage, but also by his accomplished and dedicated team of professionals. Marc applauds his group for its ability and focus, noting, “we are all driven to accomplish successful transactions and to consistently do the right thing for our clients.” Production Assistant Melissa Turner is licensed, and, says Marc, “knows the industry inside and out.” Processor Matt Smyth, he adds, “is amazing and works to keep every transaction as smooth as possible.” Marc specializes in residential purchase business, and has earned accolades for his dedication to first-time buyers. He is well-versed in specialized programs and tax credit opportunities, and offers bi-monthly seminars through the Neighborhood Housing Services of Orange County. He is incredibly detail-oriented and has been notably successful in reviving stalled or faltering transactions. “Sometimes it’s simply a matter of an overlooked opportunity, or an incorrectly-applied credit,” Marc explains. “Other times, by exploring different products and programs, I’ve not only saved a loan, but lowered my clients’ monthly payments as well.” His diligence is reflected in Marc’s commitment to the pursuit of ongoing training and education; he dialogues with colleagues and regularly attends classes and seminars to stay abreast of the changes and developments impacting his industry – and his clients. “I’m learning something new every day,” Marc says. “This allows me to continue to meet my clients’ changing needs, to assist them in consistently achieving their goals.”

Marc Bui - Loan Consultant imortgage 1301 Dove Street, Suite 101 Newport Beach, CA 92660 Telephone: 949.705.0587 Marc.Bui@imortgage.com www.imortgage.com/marc.bui NMLS ID 380219

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imortgage is licensed by the California Department of Corporations CRMLA 4130969, NMLS 3096. Equal housing lender. 09/2012


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Experience Adds Value

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By Lalaena Gonzalez-Figueroa

ith over 40 years’ experience in real estaterelated industries, Harry “Nipper” Larson has amassed a comprehensive knowledge base that has allowed him to thrive even during

the most challenging conditions. His straightforward communication style and results-oriented approach make Nipper an ideal professional partner for agents focused on success. In 1971 Nipper launched his career as a sales associate for a new home builder before transitioning into the resale market. He went on to represent commercial sales and leasing, then delved into the construction sector as a builder/ developer. The venture, he quips, “was successful until the market crashed. It was a riches to rags story.” As economic challenges continued to impact the real estate industry in the late 1970s, Nipper, like so many of his colleagues, was faced with a life-changing decision: to tap into reserves and plow through, or to concede defeat and make a move into a new career. He was resolute in his decision to succeed, and Nipper capitalized on the opportunity to move forward professionally. No longer fulfilled in his role as a real estate agent, he says, “I decided the time was right for a new focus.” An interest in finance and a keen ability to strategize successful solutions for his clients were ideal elements with which to build a business in residential lending, and Nipper delved in with his signature focus. With an intimate understanding of the challenges facing buyers and real estate agents, Nipper developed a business that catered to the unique needs of each client he represented. He thrived, becoming so in-demand that he was able to launch his own series of successful brokerages in San Clemente. When the industry once again felt the impact of a worldwide financial shift, Nipper considered the prospects that would best suit his clients’ needs.

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Nipper Larson In 2012 Nipper transitioned his business to imortgage, a company he heralds as one focused on conducting solid and productive client-centric business. “As a former real estate agent, I know how challenging it can be when lenders don’t seem to actually want to close loans,” he observes. “At imortgage, our leadership is taking great pains to ensure that we have resources and products geared to a range of consumer buyers.” While he enjoys the opportunity to work directly with consumers through an established base of repeat and referral clientele, Nipper is also committed to the collegial relationships he has cultivated with real estate agents. “I’m here to add value to the transaction for agents as well as consumers,” he explains. “Closing loans for my clients is imperative, but providing agents with the tools and support they need to build their businesses is also a critical component to my success. Because I won’t accomplish much if my agent partners aren’t successful.” As a professional partner, Nipper shares his extensive industry experience to assist agents in identifying goals and creating solid courses of action. “We’re looking at their next step,” he says. Supporting his efforts is the team of specialists at imortgage, which offers comprehensive market strategies in addition to a vast array of loan products. “At imortgage we have access to a range of loans including FHA, VA and USDA,” Nipper states. “We also offer a pledged asset program for individuals with stated income, a lock and shop option that is ideal for investors as well as short-sale buyers, and a 203K program for homes that require updating or rehabilitating.” Pairing clients with the products that best suit their unique needs requires in-depth knowledge, and Nipper works closely with his customers to ensure they feel comfortable with their financial decisions. “I’m not here to judge or to tell consumers what to do,” he states. “My

aim is to provide them with the information necessary to acquire the right loan.” Throughout the course of a given transaction Nipper maintains ongoing and open communication with consumers and agents, providing updated timelines and addressing any potential issues that, if unresolved, might impede the process. He is determined yet realistic in identifying qualification parameters. He explains, “I am straightforward with what we can do in order to close transactions in a timely and efficient manner. It’s my responsibility to ensure that a client is able to successfully complete a loan contract, and I understand the ramifications that a sub-par application may have.” Years in the business haven’t clouded Nipper’s enthusiasm for his work. “I enjoy what I do, appreciate the opportunity to help so many individuals accomplish their goals,” he says, adding, “I have been fortunate to have many of my clients become my friends.” A long-distance runner and bicyclist who enjoys competing in marathons and triathlons, Nipper finds balance through exercise. Once an avid surfer, he now connects with nature as an avid golfer. He supports the Ashland House, a home for women recovering from drug, alcohol and domestic abuse. “It’s a place for women to find assistance in repairing their lives,” he says. “I am pleased to be able to give back to my community this way.”

Nipper Larson imortgage Telephone: 949.705.0550 Email: nipper.larson@imortgage.com NMLS ID 397408

imortgage is licensed by the California Department of Corporations CRMLA 4130969, NMLS 3096. Equal housing lender. 06/2012

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ExecutiveAgent Magazine

By Lalaena Gonzalez-Figueroa


Matthew Miede

E

arly in the course of his professional life, Matthew Miede distinguished himself as a driven and motivated individual who embraced the opportunity to meet challenges head-on. A thoughtful approach to business has allowed him to identify and capitalize upon his unique strengths and talents: as a loan consultant with imortgage, Matthew provides personable and attentive service backed by solid industry knowledge. Before launching a career in the lending industry Matthew worked in Belgium and Croatia as a marketing distributor, then built experience in the corporate sector. Pursuing a dream, he became an account executive with the Los Angeles Clippers. Though he thoroughly enjoyed the fast-paced environment, he sought a career that would provide greater opportunity. He transitioned into home loans, where Matthew discovered he had found his niche. “I’m really independently driven, and appreciate the ability to manage my daily business while taking ownership of my work,” Matthew reveals. He’s also skilled at bridging the gap between the technical elements of his position and the one-on-one relationships cultivated with clients and industry partners. “Not only do I love to crunch numbers, but I’m also pretty intuitive and able to hone in on peoples’ wants and needs,” acknowledges Matthew. “I love what I do because I’m able to marry the two in order to help others achieve their goals.” Matthew works with a diverse clientele that ranges from first-time buyers to experienced investors. His focus is unwavering and is supported by the team of professionals at imortgage. “We are committed to doing whatever we can to assist our clients in securing the financing necessary to get into homes,” he asserts. “This is a great time for buyers and we’re proud to offer competitive interest rates and great products.” As a private lender, imortgage offers options not available through traditional banks including products designed for individuals with less-than-stellar credit scores and jumbo loan packages. The organization is also tapped into the conventional loan market; imortgage is a fully approved direct lender for FHA, VA, HUD, USDA and FNMA and works with state and local government programs as well. Along with competitive rates and programs, imortgage offers an unparalleled level of support and responsiveness to its consumer base and professional partners, which has facilitated the organization’s growth and success. “Everyone here – leadership, specialists and staff - is available to answer questions and provide support as needed,” notes Matthew. “We truly operate with a team mentality, which raises expectations and opportunities for everyone. Together, there’s nothing we can’t accomplish.”

Internal support at imortgage includes a talented marketing team that specializes in creating value-driven co-branded collateral, as well as personnel whose efforts ensure that loan consultants like Matthew are able to focus on meeting the daily, ongoing needs of consumer clients and professional partners. Matthew excels in a consultative role, providing individuals with the information and resources they need to make their best decisions. He establishes an acute understanding of the short- and long-term goals of clients and professional partners alike, offering solid strategies for success and an ability to execute the steps needed to accomplish objectives. He is upfront and direct in his communication, and notably proactive in preparing his transactions. “I tackle issues as quickly and honestly as possible,” he explains. “I’m doing the upfront work to avoid issues that may otherwise delay or derail a successful sale.” This isn’t only beneficial to consumer clients, but allows real estate professionals to earn the trust and loyalty of their clientele, as well. “In our relationship-driven industry, we’re all looking at ways to maximize repeat and referral business,” remarks Matthew. “imortgage has grown almost exclusively through this method; we know what it takes to provide a truly exceptional level of customer service.” Matthew loves to be part of a winning team. A former member of the University of San Diego Men’s Volleyball Club, he now enjoys beach volleyball and golf. He’s also an avid fan of California teams including the Lakers, Angels and 49ers. “There are tremendous correlations between sports and our industry,” he observes. “We’re setting goals and working to overcome obstacles; we play by the rules and honor the regulations that define our actions; and we operate with the knowledge that the one who plays the best game is going to enjoy the victory.”

Matthew Miede - Loan Consultant imortgage 1301 Dove Street, Suite 101 Newport Beach, CA 92660 Telephone: 949.705.0573 Matthew.Miede@imortgage.com www.imortgage.com/matthew.miede.com NMLS ID 470783

imortgage is licensed by the California Department of Corporations CRMLA 4130969, NMLS 3096. Equal housing lender. 10/2012


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Ja nice Eckles By Lalaena Gonzalez-Figueroa

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anice Eckles, imortgage Loan Consultant, recalls working with a short-sale buyer whose purchase became jeopardized by a simple clerical error. “Signed loan documents were sent to the wrong address,” she explains. “The realtor® and I realized that the home would go into foreclosure if the sale didn’t close by a specific date.” It would have been easy to point the finger at the erring party, but Janice chose to act on her client’s behalf. Up before dawn, she hunted the documents down to a mailroom in Texas. Taking advantage of the two hour time difference, she arranged same day delivery and the documents arrived back in California by the established deadline. It was all in a day’s work for Janice, but her client was touched. “He and his family came to my home with a gift to thank me,” she reveals. “It was wonderful to see firsthand the impact that a single transaction had.” While most loans do not require such heroic effort, Janice’s systematic and orderly approach enables her to successfully manage the diverse needs of her clientele. Working with builders, real estate agents and consumers, she offers attentive and knowledgeable care backed by the support and products of imortgage. Before joining imortgage, Janice, a graduate of Santa Clara University, worked as a senior budget analyst for the City of San Jose. Handling a budget of $500 million was an amazing professional opportunity, but family ties brought her back to Southern California. In preparing to relocate, Janice met with an area mortgage banker to arrange for financing for a new home. The appointment yielded more than a loan; days later, as she dropped off documentation, she was invited to meet with the bank’s president. “He thought that I would be an asset to the organization, and created a position for me,” she recalls, quipping, “I went in with an application and came out with a loan and a job!”

ExecutiveAgent Magazine


EA “I grew up surrounded by a sense of service to the community, and enjoy the opportunity to make a difference in the lives of my clientele.” Her unique position working for the President was well suited to Janice’s interests. Not only did she learn the banking industry from the top-down, she also gained invaluable experience in practical areas including lending and loan processing. She became well-versed in jumbo loan packages for multimillion dollar projects as she established the bank’s construction lending division. With a firm foundation, Janice moved her focus to loan origination. “I was fortunate,” she recalls, “to be presented with an opportunity to work with one of the most successful construction lenders in the country.” She took full advantage of the mentorship, gleaning a wealth of knowledge and experience in the process. As the real estate and financial sectors have continued to change, Janice has adapted accordingly. Today she maintains a thriving business whose foundation is firmly rooted in residential home purchases, working with a range of clients including first time buyers, luxury real estate consumers and investors. Janice reveals that her role as a Loan Consultant allows her not only to utilize her background and knowledge in finance and business, but also appeals to her on a personal level. “For nearly twenty- five years, my father was the Inglewood city manager,” she offers. “I grew up surrounded by a sense of service to the community, and enjoy the opportunity to make a difference in the lives of my clientele.” She takes the time necessary to build lasting relationships with her customers, and provides her clients with the education and information they need in order to make informed decisions that will best suit their needs. “I strive to understand each client’s motivations,” Janice says. “At times, there can be a disconnect between what consumers want in a home, and what they can really afford. This is when it becomes imperative that they be presented with options on how to accomplish their short- and long-term goals.” She adds, “By providing my clients with honest and up-front information, I am empowering them to take control of their financial wellbeing well beyond the real estate transaction.” Her efforts are backed by the imortgage reputation as a solid company designed to meet the changing needs of real estate consumers. The bank offers a range of programs including loans tailored to first time home buyers and jumbo products for high-end clientele, “imortgage features a great leadership team with a forward-thinking approach,” states Janice. “This makes a significant difference in our ability to exceed the expectations of consumers and business partners, and to maintain a consistent and timely delivery of loan products.” From first time purchasers to high net-worth consumers, Janice is pleased to offer exceptional care and competitive loan products designed to meet her clients’ diverse needs. A Five Star Professional and winner of the President’s Club Award, she looks forward to continued business growth.

Janice Eckles imortgage

1301 Dove St., Suite 101 Newport Beach, CA 92660 Ph: (949) 705-0581 Janice.Eckles@imortgage.com http://www.imortgage.com/janiceeckles

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Lynn Nelson knowledgeable approach to the lending process. Lynn earned a B.S. in Management from Pepperdine University, where her studies included a notable emphasis on accounting courses. Upon graduation she launched her financial career in the private sector before transitioning into real estate lending. “I’ve always enjoyed the ability to use my knowledge to help others,” she explains. “As a mortgage consultant, I’m able to educate consumers and real estate agents while also providing a critical service. It’s a great opportunity.”

By Lalaena Gonzalez-Figueroa

F

or over two decades, mortgage consultant Lynn Nelson has successfully navigated the complexities of the financial sector while developing and maintaining long-term professional relationships with colleagues and clients. Empathetic and personable, she offers a straightforward and

She tailors her services to the unique needs of each individual, notes Lynn, who is comfortable disseminating information in a variety of manners. “Whether it’s via e-mail, through telephone conversations or in person, I strive to work with my clients on their terms,” she offers. “Communication is imperative, and I am in touch with clients and real estate professionals throughout every step of the lending process.” Lynn avails herself to her clients’ nontraditional schedules, as well. “Weekends or evenings, I’m here to address issues or concerns,” she notes. “I expect my clients and agents to have questions, and want them to feel comfortable reaching out to me whenever they need information.” Lynn strives to achieve a transaction that is as stress-free as possible for every client, and accomplishes this through ongoing, straightforward dialogue.

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A Professional Approach Yields Results Lynn’s educational approach distinguishes her as a true consultant; working closely with each client, she identifies their short- and long-term financial goals and outlooks, then offers sound products designed to meet their individual situations. Wellversed in the issues impacting homeowners today, she provides her clients with a comprehensive understanding of how their loan products will fit in with their finances as a whole. From credit scores to taxes, she incorporates all of the elements that will affect her clients as they seek and acquire lending packages.

“I’m so fortunate to have an amazing team that works together to accomplish a single goal on each client’s behalf.” She is proactive in her business, working with a range of clients from first-time buyers to seasoned investors. Lynn regularly works with businesses, cities and counties, consulting with employees on their mortgage options and assisting them in preparing for home ownership or for the next step in the process. She also employs a consultative approach to her collegial relationships, revealing that she enjoys the opportunity to work with agents at every stage of their careers. “I love collaborating with veteran real estate professionals who continue to be passionate about their business,” she states. “And it’s great to be a part of the establishment process for newer agents, who appreciate the knowledge I’ve acquired throughout the course of my career. What I truly enjoy is contributing to their success, to helping them build their businesses as I build my own.”

boasts a wealth of knowledge. “She is proactive in reviewing each client’s file, identifying elements that are needed to successfully close our loans,” notes Lynn. “I’m so fortunate to have an amazing team that works together to accomplish a single goal on each client’s behalf.” Her organized and disciplined approach is as effective in her busy personal life as they are in her professional endeavors. An active member of Abiding Savior Lutheran Church, Lynn enjoys regular exercise, golfing and fishing. Family time is spent with her husband Erik and the couple’s children Brittany and Christian. Lynn looks forward to the opportunity to continue to build her business throughout Orange County and the surrounding regions. A consistent top producer, she is on track to continue to earn awards for her high production volume. And as she reflects on the course of her accomplished career, her focus for the future remains fixed on what has helped her achieve success: meeting her clients’ needs. “That’s why I’m here,” she offers. “Ultimately, I just want to help my clients turn their dreams into realities.”

Lynn appreciates the support of an exceptional team of professionals within imortgage, particularly her assistant Meri Cascio and her loan processor, Lisa Madrid. “For thirteen years, Meri has been instrumental in packaging loans, ensuring that applications are complete and ready for processing,” Lynn reveals. “Her efforts allow me to focus on developing relationships with clients and real estate agents, and to cultivate other business partnerships.” Lisa, who has collaborated with Lynn for 15 years, ExecutiveAgent Magazine

Lynn Nelson imortgage 1301 Dove St., Ste. 101 Newport Beach, CA 92660 Telephone: 949.705.0580 Lynn.Nelson@imortgage.com www.imortgage.com/lynn.nelson NMLS 653022


Today’s rates are the lowest in 32 years.

Now’s the perfect time for your clients to buy, refinance or renovate! 30-Year Fixed-Rate Mortgages 17%

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Interest Rates

17%

1980 1985 Interest Rate Data provided by FHLMC

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The Freddie Mac chart above is all about opportunity. The year 2012 will be remembered for very low rates and near unprecedented home affordability. Some would call that a window of opportunity. Compared to the 1981 highwater mark of 16.63 percent, today’s rates are an unqualified bargain. Your buyers are in the right place at the right time. Call us today to find out how your clients can take advantage of this extraordinary window of opportunity to buy a home, refinance or renovate.

(949) 705-0550 John J. Reed Branch Manager Mobile (714) 305 2912 NMLS ID 869516 john.reed@imortgage.com imortgage 1301 Dove Street, Suite 101, Newport Beach, CA 92660. Rates, terms and loan program availability are subject to change without notice. Consumer is subject to specific program qualifications. This is not an advertisement to extend consumer credit as defined by section 226.2 of Regulation Z. Licensed by California Department of Corporations CRMLA 4130969. imortgage NMLS ID 3096. All rights reserved. 08/2012.

2010

2012 Jan.1 to June 30

Newport Beach Branch  

Newport Beach Branch

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