NMP Mag's 40 Under 40: The 40 Most Influential Mortgage Professionals Under 40

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In our second annual “40 Under 40” feature, you will find a list of the top mortgage professionals under the age of 40, as voted on by their peers, who exemplify professionalism and top production in today’s housing market.

Despite the rough waters of the U.S. economy and the ever-shifting landscape known as the mortgage industry, these 40 individuals have persevered in a time of great uncertainty.

In assembling this list, we at National Mortgage Professional Magazine took some criticism when we began this endeavor. Many felt a list of this nature ignored many, and others felt that a list of this type is a “thing of the past,” while some even cited age discrimination, but we firmly stood by our decision to assemble this group. Like their industry pioneers before them, these individuals are the ones who carried the torch of professionalism in the year 2010, fighting the daily barrage or regulatory and legislative pressure and negative coverage by the mainstream media as the culprits for the collapse of the U.S. economy. However, they forge forward, as they continue to lead by example and set the bar for education, professionalism and excellence in the mortgage industry.

We’d like to congratulate all of the following individuals named to our “40 Under 40” list—in no particular order but alphabetical—and thank all the nominees for their participation in our second annual “40 Under 40: The 40 Most Influential Mortgage Professionals Under 40” feature.

Timothy Baise Top Flite Financial President and Chief Executive Officer

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As president and chief executive officer of Top Flite Financial, an Inc. 5,000 company, Timothy Baise, CMC has been changing the lending industry, one person at a time, by being and staying in compliance with state and federal laws. While riding the edge or operating in grey areas may make for more short-term income, riding the straight and narrow line will produce long-term relationships, solid results and a permanent home for its employees and that is exactly what Timothy has done with Top Flite Financial. While most lending companies are downsizing or closing their doors altogether, Top Flite Financial has been increasing its revenue and has expanded its operations through the toughest economic times the mortgage industry has ever seen, all this under the direction and leadership of Timothy.

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Raymond Bartreau Best Rate Referrals LLC Chief Executive Officer and Founder Raymond Bartreau is chief executive officer and founder of Best Rate Referrals LLC in Las Vegas, Nev., a marketing company specializing in the mortgage industry. In 2010, Best Rate Referrals was named one of the fastest-growing companies in the country.

Don A. Blaize Franklin American Mortgage Mortgage Specialist Don A. Blaize, mortgage specialist with Franklin American Mortgage, has demonstrated his ability to be a leader within his community and state through his involvement with the Mississippi Association of Mortgage Brokers (MAMB) following Hurricane Katrina. Don has been involved with local organizations to promote homeownership in his respected community.

Joe Bowerbank Loan-Score Decisioning Systems Senior Vice President of Marketing and Strategic Alliances Joe Bowerbank has more than 15 years of marketing management experience in the technology and mortgage banking sector, helping to launch marketplace solutions, grow organizations, obtain technology adoption and build brands. He is a company-building marketing professional who understands what it takes to catapult growing ventures to the next level. Currently, Joe is the senior vice president of marketing and strategic alliances at Loan-Score Decisioning Systems, an Irvine, Calif.-based AUS vendor. Before joining Loan-Score, Joe was the vice president of marketing at Portellus Inc. Prior to Portellus, he headed marketing strategy at Commerce Velocity Inc., a mortgage AUS vendor, and prior to his time with Commerce Velocity, Joe was the director of marketing and market adop-

tion at Electronic Distribution Networks Inc. (EDN), a software communications provider serving multiple vertical markets. Joe sits on California State University, Fullerton’s UEE Advisory Board for their sales and marketing program course development.

Chris Brown Certified Mortgage Planners Mortgage Loan Originator Chris Brown, a mortgage loan originator with Certified Mortgage Planners, is changing the landscape of what a mortgage professional is and does. He is actively involved as an advocate for the mortgage industry through serving his fellow loan officers through the Mortgage Revolution, but he is also fully engaged with serving agents through REBar Camps, establishing Mastermind Groups, and coaches agents to help their marketing and business development.

Douglas Calabrese Terrace Mortgage Company Regional Operations Manager Douglas Calabrese is the regional manager for Terrace Mortgage Company in Tampa, Fla. where he oversees compliance and implements guidelines with varying investors and agencies. In addition to his full time position at Terrace Mortgage as regional operations manager, Douglas currently holds the position of treasurer for the Mortgage Bankers Association of Tampa Bay and supports The Children’s Home in Hillsborough County.

Adam Calvery a la mode’s Mortgage Solutions Division President Adam Calvery is the president of a la mode’s Mortgage Solutions Division, managing the company’s full line of compliance and quality control tools. His focus is spearheading the Mercury Network vendor management platform (VMP), which has just reached a volume milestone of 10,000 appraisal transactions per day.

Craig Doriot LoanSifter Inc. Founder and Chief Technical Officer Craig Doriot is founder and chief technical officer of LoanSifter Inc., a mortgage pricing engine and consumer direct application process that has helped revolutionize mortgage technology, and who has previously created other successful Internet-based ventures. LoanSifter has grown from its first customer in 2006, to servicing more than 670 mortgage-related institutions to date. Under Craig’s guidance, LoanSifter has pioneered the growth of pricing engines to help reach consumers on their terms with auto-quoting, e-mail campaigns, rate tables, open house flyers, consumer pricing portals and rate alerts.

Derek Egeberg Academy Mortgage Corporation Branch Manager Derek Egeberg, a branch manager with Academy Mortgage Corporation in Yuma, Ariz., is a consummate professional who is always willing to offer support and knowledge to the industry and loan officers across the country. He has been a supporter of The Mortgage Revolution since its inception and has spoken at both Mortgage Revolution events in Atlanta and New York. Derek fields frequent calls and responds to message board posts from originators around the country. His focus on creating a positive experience for his borrowers and referral partners helps to improve the image of loan officers and our industry as a whole. He also worked behind the scenes to help propel a major, industrywide legislative effort into the forefront earlier this year. Derek Egeberg is a great loan officer, a great leader and a great friend to many in our industry!

Chris Frost Frost Mortgage Banking Group Vice President and Operations Manager Chris Frost attended New Mexico State University, majoring in finance. He had worked part-time in commercial banking for three years to put himself through college. Chris spent a total of seven years in banking, culminating as assistant vice president and branch manager of the Bank of Albuquerque. He made his move to mortgage banking and Frost Mortgage Banking Group in December of 2002. Chris has been a top loan originator, sales trainer, sales manager, and now serves as Frost Mortgage Banking Group’s vice president and operations manager. Under his watch, Chris has helped grow the company from five local branches to 21 national branches encompassing 13 states. His team continues to strive for the divisional goal of 35 branches and $100 million per month in fundings.

Steve Grant Credit Plus Inc. President Steve Grant joined Credit Plus Inc. 20 years ago and has served as the company’s president for the past 13 years, directly overseeing the company’s sales and operations functions. Under his leadership, Credit Plus has grown from 10 employees to 125 and has experienced a 1,650 percent increase in sales. He is often called upon to author industry articles for his keen industry foresight.

Bryan Harlan Benchmark Mortgage Loan Officer

Jason “Hammer” Helmer Jacob Dean Mortgage Inc. Loan Originator Jason “Hammer” Helmer is well-known for introducing strategies on how to get more business and make more money with the 2010 Good Faith Estimate (GFE). Jason has been a speaker at multiple Mortgage Revolution events, and currently mentors a national audience of originators through his Webinars at RateAlert. Jason is a loan originator with Jacob Dean Mortgage Inc., in addition to serving as a business development consultant for Hammer Solutions LLC.

Greg Holmes Credit Plus Inc. National Director of Sales and Marketing

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Greg Holmes joined Credit Plus Inc. four years ago as the southeast regional sales manager and was promoted to the position of national director of sales and marketing last year. Greg leads a team of regional sales managers and account executives. He has more than 15 years of experience in the credit-reporting industry and has been an integral factor to Credit Plus’ success helping grow the company by 20 percent and maintain profitability despite a weak economy.

Stewart Hunter Benchmark Mortgage President/Co-Founder Stewart Hunter, along with Bryan Hunter, co-founded Benchmark in August of 1999, and currently serves as company president. The holder of a BBA degree in Business Administration from Louisiana Tech University, Stewart is quite a visionary and has led the charge in Benchmark’s rapid expansion. Stewart oversees Benchmark’s expanding base of 167 branches, working closely with Gil Holloway on new branch partnerships and business development. Stewart also oversees the company’s underwriting, funding, closing and secondary market divisions, as well as Benchmark’s new products department. He also supervises daily branch and client support functions. For two years prior to Benchmark, Stewart was owner/operator of a branch for The Mortgage Factory in Frisco, Texas. He managed 10 mortgage consultants with Bryan Harlan, and assisted in the opening of satellite branches in Baton Rouge and Shreveport, La. In the mid-1990s, Stewart also worked for Landmark Mortgage where he met Bryan Harlan. Stewart was a top-producer at Landmark for two consecutive years, earning awards for being number one in the company for both units and volume. He was also inducted into the President’s Club.

Mat Ishbia United Wholesale Mortgage Executive Vice President Mat Ishbia is executive vice president of United Wholesale Mortgage (UWM) and is primarily responsible for growing UWM from 20 employees servicing $140 million in mortgages in 2006, to more than 200 employees closing more than $2 billion in mortgages in 2009. Recognizing the need for a workflow process that would serve brokers in record time, the company has grow into one of the top 10 Federal Housing Administration (FHA) lenders in the country.

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Bryan Harlan is an award-winning MBA and senior executive with demonstrated success as an entrepreneur, CEO, trainer and mortgage consultant. Co-founded, organized and currently manages a national mortgage banking corporation with nearly 60 branch offices throughout the U.S. Bryan is experienced in strategic planning, business and product development and marketing execution. A goal-directed change agent and a skillful team builder with a sense of urgency, Bryan thrives on P&L responsibility and driving top-line revenue growth, as well as bottom line profitability. As the broker of record for Benchmark Mortgage, Bryan holds the prestigious Certified Mortgage Consultant (CMC) designation awarded by the National

In the industry for nearly nine years, Andy W. Harris is the owner of Lake Oswego, Ore.-based Vantage Mortgage Group Inc. and 2010 president of the Oregon Association of Mortgage Professionals (OAMP). As a passionate owner and high-producing originator, Andy took the market challenges head-on and motivated in 2007 with new DBA when everyone was doing the opposite. Vantage Mortgage Group has been profitable as a startup company not only every year, but in every quarter since 2007. Vantage Mortgage features unique and innovative origination and marketing systems with paperless processing. Andy has an excellent reputation in the and his personal articles and motivational pieces have been published nationally in different industry outlets.

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Born and raised in the Pacific Northwest, Annie Gulosh’s passion for the community is the driving force behind her desire to become a leader in the mortgage industry. Annie is a mortgage advisor with Portland, Ore.-based Northwest Mortgage Advisors, and the founder and visionary behind www.365ThingsPortland.com, where she posts a new idea for something to do in the Portland, Ore. area on a daily basis, whether it be a restaurant or coffee shop to check out, a theater or park to visit, a special event to look into, and more. Her grasp of the subtleties of real estate, as well as her compassion and commitment to her clients and their goals, is what sets her apart as a mortgage professional. Annie understands that the key to a perfect transaction is mutual trust and partnership, and considers her clients valuable assets to a winning team.

Andy W. Harris Vantage Mortgage Group Inc. Owner

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Annie Gulosh Northwest Mortgage Advisors Mortgage Advisor

Association of Mortgage Brokers (NAMB). This designation has only been awarded to approximately 1,100 mortgage professionals in the country, based on experience, education and industry leadership.

Mark Madsen Raintree Mortgage Online Communications Manager

community. She donates her time, resources and money to numerous organizations, including CandleLighters Childhood Cancer Foundation, a charity for children fighting cancer; St. Andrew Nativity, a charity for educational scholarships; Mark Madsen is the online communications manager for Raintree and Care & Share through the Kerala Association of Washington, which raises Mortgage in Las Vegas. Mark is the owner of an expansive list of money for life-changing eye surgeries for children in India. nationally-recognized industry Web sites, including Patrick P. Palmer MortgageRevolution.info, MyFHAMortgageblog.com, Lenderama.com Pinnacle Capital Mortgage and WannaNetwork.com. Mark has been publishing articles online about homeownerNorthwest Division President, Regional ship education since 2005. While there are several responsibilities required of an inProduction Manager house social media manager, Mark’s primary role is to write mortgage-related conPatrick P. Palmer, Northwest Division president/regional productent online for the purpose of building trust new with clients and agents. With more tion manager, has helped grow Pinnacle Capital Mortgage from than six years of experience online building social networks, developing blogs, study50 employees to 700 within only two years as the president of ing search engine optimization (SEO) and writing for the industry, Mark also coaches his real estate partners through the setup and successful implementation of their Alpine Mortgage Planning. Patrick oversees day-to-day sales and operations within the company and has 15 years of experience in the mortgage lending industry.

Internet marketing campaigns.

Patrick was the co-founder and chief executive officer of Alpine Mortgage LLC in Lake Oswego, Ore. Patrick has been a Mortgage Banker since receiving his bacheKevin Marconi lor’s degree in Business and Economics from Western Oregon University in 1995.

United Fidelity Funding

Chief Operating Officer Kevin Marconi is the chief operating officer of United Fidelity Funding LLC, a national wholesale and retail mortgage banker.

Started as a de novo lender in 2007, United Fidelity now funds more than $1 billion annually. When others turned their backs on the wholesale business subsequent to the mortgage meltdown, Kevin began to focus on it, making third-party originators (TPOs) his primary business channel.

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Jason J. Pidgeon New England Federal Credit Union Mortgage Loan Officer

Since Jason J. Pidgeon’s start at New England Federal Credit Union in 2001, he has not stopped wanting to learn and be involved.

After a few years of involvement in the Vermont Mortgage Bankers Association, he was nominated for the position of vice president of the association and currently serves as association president.

Matthew McCabe Additionally, Jason has become one of a few loan officers in Vermont to obtain his Loan Resolution Corporation Accredited Mortgage Professional (AMP) designation through the Mortgage President Matthew McCabe is president of Loan Resolution Corporation (LRC) Bankers Association (MBA). In 2009, his annual loan production was 521 loans for in Scottsdale, Ariz. LRC has grown from three to 120 employees in $93,260,802, with one assistant and one processor. just three years. Matthew was actively involved with the operaJoseph Puthur tional development of LRC, and is now focused on priority client Mortgage Coach boarding and process improvement through streamlining the company’s short sale President and modification operations. LRC has ranked as the largest short sale vendor in the Joseph Puthur is the president of Mortgage Coach, re-inventing United States by file volume and number of contracts. LRC has contracts with the the industry’s most trusted selling strategy to embrace the government-sponsored enterprises (GSEs) and the nation’s top five servicers.

Internet and mobile revolution. Joe and the Mortgage Coach team have released two ground-breaking products in the last 12 Gabe Minton months; Ratewatch and Edge. He is most known as founder and former chief Motivity Solutions Inc. executive officer of Lasso Technologies, a startup launched just after his 19th Chief Strategy Officer While working at the Mortgage Bankers Association (MBA), Gabe birthday, that pioneered bringing loan origination software online. In 2005, Ellie Minton spearheaded the furtherance of the Mortgage Industry Mae, the makers of Genesis, Contour, Encompass acquired Lasso Technologies to Standards Maintenance Organization (MISMO). Gabe has worked create Encompass Anywhere, the online version of Ellie Mae’s flagship product. tirelessly to help standardize the way technology data is utilized in Philip Rasori the mortgage industry, which has been adopted by most technology vendors and MCT Trading lenders. From his time with Ultraprise, to the MBA, to Mortgage Cadence, and now Principal and Chief Operating Officer as chief strategy officer of Motivity Solutions Inc., Gabe has been an advocate and Phil Rasori is a principal and chief operating officer with MCT leader for automation, control and standards for the mortgage industry. Gabe utiTrading, a risk management firm that brings big bank capital lizes his in-depth business experience, leadership and software engineering expertmarkets performance and execution to mid-sized lenders. Phil ise to drive the strategic planning process and develop third party alliances and and his homegrown analyst team have driven MCT growth, relationships, while strengthening Motivity’s technology products and initiatives. quadrupling the company in size over the past two years. Phil has continuously developed and improved the MCT HALO model over the past eight years. In the Gibran Nicholas course of his work, he pioneered a number of hedging metrics that have since CMPS Institute become de facto industry standards. Phil has also developed one of the indusChairman and Chief Executive Officer Gibran Nicholas is a professional writer, speaker and an entrepre- try’s first iPhone/SmartPhone apps for mortgage hedging. In addition to his work neur. Since 2005, he has been the chairman and chief executive in the mortgage industry, Phil is a central figure in a benevolent large micro officer of the CMPS Institute, a national organization that certifies lending project in Kenya that has just celebrated a 10-year anniversary. mortgage bankers and brokers. Gibran has personally trained Stephen Ribultan more than 6,000 financial professionals across the country, including CPAs, attorDocMagic Inc. neys, financial planners, bankers and mortgage brokers.

Executive Sales Manager Amanda Niles Summit Mortgage Mortgage Consultant Amanda Niles, mortgage consultant for Summit Mortgage in Portland, Ore., is a high volume producer on pace to close more than 150 mortgage loans in 2010. She has worked as a mortgage broker/banker for nine years and is active in giving back to the

At a young age, Steve Ribultan, currently executive sales manager of DocMagic Inc., has worked for several leading mortgage technology companies, including Commerce Velocity, Portellus, OpenClose, and presently DocMagic. In particular, and in the wake of numerous new regulations, Steve has been instrumental in introducing technology solutions to tackle new compliance issues to his clients and partners.

Steve is a non-year veteran of the mortgage software industry.

Rick Richter Gold Star Financial Executive Vice President Rick Richter is executive vice president of Ann Arbor, Mich.-based Gold Star Financial. Rick has been ranked the number two loan officer in Michigan and number 22 in the U.S., and oversees 300plus loan officers raising productivity by nearly 400 percent in the last two years. Rick created and was responsible for Gold Star’s sales and client management system contributing to the company becoming an Inc. 500 company, and a growth forecast of more than 1,000 employees in 2011 making Gold Star the fastest-growing financial company in the state of Michigan over past two years.

Dawn Robinson PrimeLending Senior Vice President of National Production Dawn Robinson, senior vice president of national production for PrimeLending, is actively involved in the mortgage industry and spends time in Washington, D.C. lobbying for industry causes.

Dawn was recently selected and has graduated from the Mortgage Bankers Association’s Future Leaders Program. She has grown up in PrimeLending, serving as an assistant branch manager, to loan officer, to vice president of secondary of product development and investor relations, to her current role with the company as senior vice president of national production. Dawn has watched PrimeLending been close $500 million in a year, to more than $7 billion year-to-date in 2010.

Rene F. Rodriguez MortgageDashboard Chief Executive Officer

Rick Roque was formerly a senior management team member at Calyx Software and is currently a mortgage technology and acquisitions consultant. He assists both technology and mortgage firms in meeting the needs of consumers throughout the mortgage lending process. Having spoken at more than 50 mortgage conferences over the last two years, including the first ever mortgage liquidity conference in Africa in 2009. Rick leverages his technology, process and mortgage lending expertise to grow adoption and top line revenue growth for his clients. At the present time, Rick leverages this consultative background on acquisitions and strategy for Ellie Mae in Pleasanton, Calif.

Adam P. Smith The Colorado Real Estate Finance Group Inc. President

John Glen Stevens ENG Lending Branch Manager John Glen Stevens is the current president of the Utah Association of Mortgage Brokers (UAMB) and branch manager for ENG Lending in Utah, with branches, in Draper and St. George, Utah. He is the delegate for the state of Utah to the National Association of Mortgage Brokers (NAMB) Delegate Council, and is serving as 2010 co-chair of the NAMB/WEST Committee. Previously, John owned his own company, Stevens & Shumway LLC. He serves on the Library Board for the City of Pleasant Grove, and ran for a seat in the Utah House of Representatives in 2010.

Louis Tesoriero Guaranteed Home Mortgage Company, Inc. Branch Development Manager Louis Tesoriero tripled funded loans for another mortgage company, from $30 million to $100 million, in just four months prior to joining Guaranteed Home Mortgage Company Inc. At Guaranteed, as business development manager, Louis has opened 15 new branches in his first two years with the company. Louis is responsible for the nationwide recruitment of full branch operations and the integration of their organization into Guaranteed Home Mortgage. In addition to finding new organizational opportunities, Louis also serves as a liaison for existing locations to ensure branch retention and a seamless interface with Guaranteed’s corporate headquarters.

Drew Waterhouse Hammerhouse LLC Managing Director and Chief Executive Officer Drew Waterhouse has 15 years of experience in mortgage headhunting and supporting strategic growth initiatives.

During his career, Drew has lead and managed large teams with a publically-traded mortgage bank and a depository with a focus on building out production, leadership teams and value platforms. In 2008, Drew established Hammerhouse, a national recruiting and strategic growth partner, to help clients expand revenue by adding experienced mortgage professionals that focus on purchase business and have created sustainable relationships with referral partners and past customers. Hammerhouse currently supports an organic expansion for clients, which includes private equity firms entering and expanding in the market, as well as traditional mortgage bankers and depositories, with a focus on model matching and effecting high levels of retention.

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Adam P. Smith is president of The Colorado Real Estate Finance Group Inc., a commercial and residential real estate finance firm. During his career, he has helped thousands of clients, both individuals and corporations, in their goals regarding real estate finance, as well as both personal and corporate finance

Andrew Soss is the founder and president of Stewart & Soss Mortgage, a full-service mortgage banking company located in San Jose, Calif. Andrew operates a seven employee operation and had personal production of $42 million in 2009, and is on pace to break $100 million in volume in 2010. Andrew is president-elect of the California Association of Mortgage Professionals, Silicon Valley Chapter and as the Government Affairs Committee chair, he has visited Washington, D.C. to lobby members of Congress on behalf of the independent mortgage professional.

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Rick Roque Menlo Company National Manager of Business Development

Andrew Soss Stewart & Soss Mortgage Founder and President

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As chief executive officer of MortgageDashboard, Rene F. Rodriguez is responsible for leading one of the U.S. home finance industry’s leading mortgage technology firms. His unique methodology and approach to leadership and teambuilding have been indispensable to MortgageDashboard as it has innovated through the recent economic downturn. The firm is currently releasing version 4.0 of its loan origination system (LOS) and is poised to increase market share rapidly as the industry enters its recovery. Before assuming his current role, Rene was founder and chief executive officer of Volentum, an enterprise education and consulting company specializing in the application of “The Next Generation of Change Making” to deliver practical ways for individuals and groups to grow and renew themselves even as they engage and profit from recurring change. Prior to Volentum, Rene was CEO of Rapid Change, a consulting firm that trained more than 50,000 people and whose training and tools were named a Best Practice in three Fortune 250 companies, and chief learning officer, founder and former dean of the Corporate University for a national mortgage bank.

and has personally written billions of dollars in mortgage and finance deals.

Adam lectures regularly on contact management and marketing to colleagues in the real estate, mortgage, insurance and financial fields. He has taught classes for several of the country’s largest real estate companies, countless title companies and many regional real estate boards. He has also taught technology classes for several Colorado Association of Realtors (CAR) events. The Colorado Real Estate Finance Group Inc is a member of the Denver/Boulder Better Business Bureau with a perfect record for as long as they have been such, and is a multiple recipient of the BBB Gold Star Award and was nominated for the 2009 Torch Award for Marketplace Trust. Adam was also nominated for the BBB Board of Directors in 2008.

Josh Weinberg First Choice Bank Director of Compliance Joshua Weinberg is a nationally-recognized speaker, author, trainer and leader in the mortgage industry, specializing in compliance and technology. He works closely with the Federal Reserve where he was asked to participate in pre-rule making design discussions of new Truth-in-Lending Act (TILA) disclosures; with the U.S. Department of Housing & Urban Development (HUD), working closely with the Department on Real Estate Settlement Procedures Act (RESPA) concerns; and is a member of the Registered Institutions Working Group for the Nationwide Mortgage Licensing System (NMLS) and many industry associations. Josh is currently director of compliance for First Choice Bank, a state-chartered, Federal Deposit Insurance Corporation (FDIC)-regulated bank in New Jersey, and he consults privately for mortgage banks and some of the top mortgage technology vendors in the country. Previously, Josh was in charge of compliance for Calyx Software and prior to that, he owned and operated a mortgage brokerage in San Francisco, Calif.

Andrew WeissMalik 360 Mortgage Group Chief Operating Officer and Vice President Andrew WeissMalik is chief operating officer and vice president of Austin, Texas-based wholesale lender, 360 Mortgage Group. With 10 years of mortgage industry experience in secondary marketing and IT, Andrew served as vice president of secondary marketing at Castle & Cooke Mortgage. His responsibilities there included managing the firm’s loan purchase programs, hedging strategies and IT implementations. Prior to that, Andrew was involved in secondary marketing activities at Echelon Mortgage and McAfee Mortgage (formerly Home Mortgage).

The Next 40 Mortgage Professionals to Watch …

Due to the hundreds of submissions we received for our “40 Under 40” list, there are those who are making serious waves in the industry who could not be overlooked. They, like those on the “40 Under 40” list are the leaders of this industry for years to come, so keep an eye out as well for the following innovators and originators as they continue to shape the industry: O O O O O O O O O O O O O O O

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Shane Backer ..........................GFI Mortgage Bankers, Senior Loan Officer Alex Barnett ..................Integrity First Financial Group, Principal Partner Jason Berman ................................................J. Berman Group, Principal Vladimir Bien-Aime............................Global DMS, Chief Executive Officer Mark Bolour ..............Bolour Associates, Chief Executive Officer/Principal Josh Bopp ..................................................................Focus IT Inc., Owner Tim Elkins ........................................PrimeLending, Senior Vice President Scott Estlund ..............First Choice Mortgage, Senior Mortgage Consultant William K. Farrar................................................Flagship Financial Group Lisa C. Forgony ..........................Mortgage Resources of South Florida Inc. Steve Gatti ......................Mortgages Unlimited Inc., Mortgage Consultant Shaun Guerrero ........................................The Legacy Group, Loan Officer Chad Thomas Hagwood ....................Beech Street Capital, Executive Vice President of Originations Mark J. Hanna..............................Directors Mortgage Inc., Chairman/CEO Nicole Marie Hudson ....................Interactive Financial, Vice President of Sales and Marketing Stephan Kachani ......Loan Oak Fund, Vice President of Sales & Marketing Kory Kavanewsky ................CMG Mortgage Corporation, Branch Manager Ryan Kohl........................................Express Capital Mortgage Inc., Owner Dino Lack ............................Wells Fargo Home Mortgage, Vice President, Wholesale Support Technology and Information Office Owen H. Munton ........................Prime Mortgage, A Division of Magnolia State Bank, Vice President Zubin Nagpal..................................Home Lending Source, Vice President Travis Hamel Olsen ....Loan Resolution Corporation, Chief Operating Officer Shelly Panzarella ......................Primary Residential Mortgage Inc. (PRMI) Matthew A. Pineda ......................Castle & Cooke Mortgage LLC, President Shawn Presnell ..................American Mortgage Centers, Branch Manager Marty Preston ................................Benchmark/mymortgagepro, Partner Ron Riemer..................GFI Mortgage Bankers Inc., Vice President of Sales Clinton R. Rockwell........BuckleySandler LLP, Mortgage Banking Attorney Bill Rogers..................................Homeowners Financial Group, President and Founding Partner Josh Shein ............Great Oak Lending Partners, Managing Partner/Owner Kyra Sommerville ..............................Inlanta Mortgage, Branch Manager Zach South............................................Best Rate Referrals LLC, President Kurt W. Strandson ......................Radiant Mortgage Inc., President/Owner Brian Swanson..........................Bank of Internet, Senior Vice President of Residential Lending Ernest Tepman..........................New American Funding, Branch Manager Tory Tarsitano ....................Capital Financial Bancorp, Owner/Originator Julie Toler ................Certified Mortgage Planners, Relationship Manager Ray Vinson III ................................Vinson Mortgage Group, Founder and Chief Executive Officer Dean Wegner ........................................W.J. Bradley, Mortgage Originator Jordan Weimersheimer ....Equity Mortgage Lending LLC, Branch Manager