PRESORTED STANDARDU.S. POSTAGE PAIDNMP MEDIA CORP.

NMP MEDIA CORP.1220 WANTAGH AVENUEWANTAGH, NEW YORK 11793

26

NOVE

MBE

R20

10�

NA

TIO

NA

LM

ORT

GA

GE

PRO

FESS

ION

AL

MA

GA

ZIN

E�

Natio

nalM

ortg

ageP

rofe

ssio

nal.c

om

In our second annual “40 Under 40” feature, you will find a list of the topmortgage professionals under the age of 40, as voted on by their peers, whoexemplify professionalism and top production in today’s housing market.Despite the rough waters of the U.S. economy and the ever-shifting land-scape known as the mortgage industry, these 40 individuals have perseveredin a time of great uncertainty.

In assembling this list, we at National Mortgage Professional Magazinetook some criticism when we began this endeavor. Many felt a list of thisnature ignored many, and others felt that a list of this type is a “thing of thepast,” while some even cited age discrimination, but we firmly stood by ourdecision to assemble this group. Like their industry pioneers before them,these individuals are the ones who carried the torch of professionalism inthe year 2010, fighting the daily barrage or regulatory and legislative pres-sure and negative coverage by the mainstream media as the culprits for thecollapse of the U.S. economy. However, they forge forward, as they contin-ue to lead by example and set the bar for education, professionalism andexcellence in the mortgage industry.

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

Timothy BaiseTop Flite FinancialPresident and Chief Executive OfficerAs president and chief executive officer of Top Flite Financial, anInc. 5,000 company, Timothy Baise, CMC has been changing thelending industry, one person at a time, by being and staying incompliance with state and federal laws. While riding the edge or

operating in grey areas may make for more short-term income, riding thestraight and narrow line will produce long-term relationships, solid results anda permanent home for its employees and that is exactly what Timothy has donewith Top Flite Financial. While most lending companies are downsizing or clos-ing their doors altogether, Top Flite Financial has been increasing its revenueand has expanded its operations through the toughest economic times the mort-gage industry has ever seen, all this under the direction and leadership ofTimothy.

Raymond BartreauBest Rate Referrals LLCChief Executive Officer and FounderRaymond Bartreau is chief executive officer and founder of BestRate Referrals LLC in Las Vegas, Nev., a marketing company spe-cializing in the mortgage industry. In 2010, Best Rate Referralswas named one of the fastest-growing companies in the country.

Don A. BlaizeFranklin American MortgageMortgage SpecialistDon A. Blaize, mortgage specialist with Franklin AmericanMortgage, has demonstrated his ability to be a leader within hiscommunity and state through his involvement with theMississippi Association of Mortgage Brokers (MAMB) following

Hurricane Katrina. Don has been involved with local organizations to promotehomeownership in his respected community.

Joe BowerbankLoan-Score Decisioning SystemsSenior Vice President of Marketing andStrategic AlliancesJoe Bowerbank has more than 15 years of marketing manage-ment experience in the technology and mortgage banking sec-tor, helping to launch marketplace solutions, grow organiza-

tions, obtain technology adoption and build brands. He is a company-buildingmarketing professional who understands what it takes to catapult growingventures to the next level. Currently, Joe is the senior vice president of mar-keting and strategic alliances at Loan-Score Decisioning Systems, an Irvine,Calif.-based AUS vendor. Before joining Loan-Score, Joe was the vice presidentof marketing at Portellus Inc. Prior to Portellus, he headed marketing strate-gy at Commerce Velocity Inc., a mortgage AUS vendor, and prior to his timewith Commerce Velocity, Joe was the director of marketing and market adop-

tion at Electronic Distribution Networks Inc. (EDN), a software communica-tions provider serving multiple vertical markets. Joe sits on California StateUniversity, Fullerton’s UEE Advisory Board for their sales and marketing pro-gram course development.

Chris BrownCertified Mortgage PlannersMortgage Loan OriginatorChris Brown, a mortgage loan originator with Certified MortgagePlanners, is changing the landscape of what a mortgage profes-sional is and does. He is actively involved as an advocate for themortgage industry through serving his fellow loan officers

through the Mortgage Revolution, but he is also fully engaged with serving agentsthrough REBar Camps, establishing Mastermind Groups, and coaches agents tohelp their marketing and business development.

Douglas CalabreseTerrace Mortgage CompanyRegional Operations ManagerDouglas Calabrese is the regional manager for Terrace MortgageCompany in Tampa, Fla. where he oversees compliance andimplements guidelines with varying investors and agencies. Inaddition to his full time position at Terrace Mortgage as regional

operations manager, Douglas currently holds the position of treasurer for theMortgage Bankers Association of Tampa Bay and supports The Children’s Home inHillsborough County.

Adam Calverya la mode’s Mortgage Solutions DivisionPresidentAdam Calvery is the president of a la mode’s MortgageSolutions Division, managing the company’s full line of com-pliance and quality control tools. His focus is spearheadingthe Mercury Network vendor management platform (VMP),

which has just reached a volume milestone of 10,000 appraisal transactionsper day.

Craig DoriotLoanSifter Inc.Founder and Chief Technical OfficerCraig Doriot is founder and chief technical officer of LoanSifterInc., a mortgage pricing engine and consumer direct applicationprocess that has helped revolutionize mortgage technology, andwho has previously created other successful Internet-based ven-

tures. LoanSifter has grown from its first customer in 2006, to servicing more than670 mortgage-related institutions to date. Under Craig’s guidance, LoanSifter haspioneered the growth of pricing engines to help reach consumers on their termswith auto-quoting, e-mail campaigns, rate tables, open house flyers, consumerpricing portals and rate alerts.

Derek EgebergAcademy Mortgage CorporationBranch ManagerDerek Egeberg, a branch manager with Academy MortgageCorporation in Yuma, Ariz., is a consummate professional who isalways willing to offer support and knowledge to the industry andloan officers across the country. He has been a supporter of The

Mortgage Revolution since its inception and has spoken at both MortgageRevolution events in Atlanta and New York. Derek fields frequent calls andresponds to message board posts from originators around the country. His focuson creating a positive experience for his borrowers and referral partners helps toimprove the image of loan officers and our industry as a whole. He also workedbehind the scenes to help propel a major, industrywide legislative effort into theforefront earlier this year. Derek Egeberg is a great loan officer, a great leader anda great friend to many in our industry!

Chris FrostFrost Mortgage Banking GroupVice President and Operations ManagerChris Frost attended New Mexico State University, majoring infinance. He had worked part-time in commercial banking forthree years to put himself through college. Chris spent a total ofseven years in banking, culminating as assistant vice president

and branch manager of the Bank of Albuquerque. He made his move to mortgagebanking and Frost Mortgage Banking Group in December of 2002. Chris has beena top loan originator, sales trainer, sales manager, and now serves as FrostMortgage Banking Group’s vice president and operations manager. Under hiswatch, Chris has helped grow the company from five local branches to 21 nation-al branches encompassing 13 states. His team continues to strive for the division-al goal of 35 branches and $100 million per month in fundings.

Steve GrantCredit Plus Inc.PresidentSteve Grant joined Credit Plus Inc. 20 years ago and has served asthe company’s president for the past 13 years, directly overseeingthe company’s sales and operations functions. Under his leader-ship, 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 authorindustry articles for his keen industry foresight.

Annie GuloshNorthwest Mortgage AdvisorsMortgage AdvisorBorn and raised in the Pacific Northwest, Annie Gulosh’s passionfor the community is the driving force behind her desire tobecome a leader in the mortgage industry. Annie is a mortgageadvisor with Portland, Ore.-based Northwest Mortgage Advisors,

and the founder and visionary behind www.365ThingsPortland.com, where sheposts 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, aspecial event to look into, and more. Her grasp of the subtleties of real estate, aswell as her compassion and commitment to her clients and their goals, is what setsher apart as a mortgage professional. Annie understands that the key to a perfecttransaction is mutual trust and partnership, and considers her clients valuableassets to a winning team.

Bryan HarlanBenchmark MortgageLoan OfficerBryan Harlan is an award-winning MBA and senior executive withdemonstrated success as an entrepreneur, CEO, trainer and mort-gage consultant. Co-founded, organized and currently manages anational mortgage banking corporation with nearly 60 branch

offices throughout the U.S. Bryan is experienced in strategic planning, businessand product development and marketing execution. A goal-directed change agentand a skillful team builder with a sense of urgency, Bryan thrives on P&L respon-sibility and driving top-line revenue growth, as well as bottom line profitability. Asthe broker of record for Benchmark Mortgage, Bryan holds the prestigiousCertified Mortgage Consultant (CMC) designation awarded by the National

27

NationalMortgageProfessional.com

�N

ATIO

NA

LMO

RTGA

GE

PRO

FESSION

ALM

AG

AZIN

E�

NOVEM

BER2010

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

Andy W. HarrisVantage Mortgage Group Inc.OwnerIn the industry for nearly nine years, Andy W. Harris is the owner ofLake Oswego, Ore.-based Vantage Mortgage Group Inc. and 2010president 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 every-one was doing the opposite. Vantage Mortgage Group has been profitable as a startupcompany not only every year, but in every quarter since 2007. Vantage Mortgage fea-tures unique and innovative origination and marketing systems with paperless pro-cessing. Andy has an excellent reputation in the and his personal articles and motiva-tional pieces have been published nationally in different industry outlets.

Jason “Hammer” HelmerJacob Dean Mortgage Inc.Loan OriginatorJason “Hammer” Helmer is well-known for introducing strategieson how to get more business and make more money with the2010 Good Faith Estimate (GFE). Jason has been a speaker at mul-tiple Mortgage Revolution events, and currently mentors a nation-

al audience of originators through his Webinars at RateAlert. Jason is a loan orig-inator with Jacob Dean Mortgage Inc., in addition to serving as a business devel-opment consultant for Hammer Solutions LLC.

Greg HolmesCredit Plus Inc.National Director of Sales and MarketingGreg Holmes joined Credit Plus Inc. four years ago as the south-east regional sales manager and was promoted to the position ofnational director of sales and marketing last year. Greg leads ateam of regional sales managers and account executives. He has

more than 15 years of experience in the credit-reporting industry and has been anintegral factor to Credit Plus’ success helping grow the company by 20 percent andmaintain profitability despite a weak economy.

Stewart HunterBenchmark MortgagePresident/Co-FounderStewart Hunter, along with Bryan Hunter, co-founded Benchmarkin August of 1999, and currently serves as company president. Theholder of a BBA degree in Business Administration from LouisianaTech University, Stewart is quite a visionary and has led the charge

in Benchmark’s rapid expansion. Stewart oversees Benchmark’s expanding baseof 167 branches, working closely with Gil Holloway on new branch partnershipsand business development. Stewart also oversees the company’s underwriting,funding, closing and secondary market divisions, as well as Benchmark’s newproducts department. He also supervises daily branch and client support func-tions. For two years prior to Benchmark, Stewart was owner/operator of a branchfor The Mortgage Factory in Frisco, Texas. He managed 10 mortgage consultantswith Bryan Harlan, and assisted in the opening of satellite branches in BatonRouge and Shreveport, La. In the mid-1990s, Stewart also worked for LandmarkMortgage where he met Bryan Harlan. Stewart was a top-producer at Landmarkfor two consecutive years, earning awards for being number one in the companyfor both units and volume. He was also inducted into the President’s Club.

Mat IshbiaUnited Wholesale MortgageExecutive Vice PresidentMat Ishbia is executive vice president of United WholesaleMortgage (UWM) and is primarily responsible for growing UWMfrom 20 employees servicing $140 million in mortgages in 2006,to more than 200 employees closing more than $2 billion in mort-

gages in 2009. Recognizing the need for a workflow process that would serve bro-kers in record time, the company has grow into one of the top 10 Federal HousingAdministration (FHA) lenders in the country.

Mark MadsenRaintree MortgageOnline Communications ManagerMark Madsen is the online communications manager for RaintreeMortgage in Las Vegas. Mark is the owner of an expansive list ofnationally-recognized industry Web sites, includingMortgageRevolution.info, MyFHAMortgageblog.com, Lenderama.com

and WannaNetwork.com. Mark has been publishing articles online about homeowner-ship education since 2005. While there are several responsibilities required of an in-house social media manager, Mark’s primary role is to write mortgage-related con-tent online for the purpose of building trust new with clients and agents. With morethan six years of experience online building social networks, developing blogs, study-ing search engine optimization (SEO) and writing for the industry, Mark also coach-es his real estate partners through the setup and successful implementation of theirInternet marketing campaigns.

Kevin MarconiUnited Fidelity FundingChief Operating OfficerKevin Marconi is the chief operating officer of United FidelityFunding LLC, a national wholesale and retail mortgage banker.Started as a de novo lender in 2007, United Fidelity now fundsmore than $1 billion annually. When others turned their backs

on the wholesale business subsequent to the mortgage meltdown, Kevin began tofocus on it, making third-party originators (TPOs) his primary business channel.

Matthew McCabeLoan Resolution CorporationPresidentMatthew McCabe is president of Loan Resolution Corporation (LRC)in Scottsdale, Ariz. LRC has grown from three to 120 employees injust three years. Matthew was actively involved with the opera-tional development of LRC, and is now focused on priority client

boarding and process improvement through streamlining the company’s short saleand modification operations. LRC has ranked as the largest short sale vendor in theUnited States by file volume and number of contracts. LRC has contracts with thegovernment-sponsored enterprises (GSEs) and the nation’s top five servicers.

Gabe MintonMotivity Solutions Inc.Chief Strategy OfficerWhile working at the Mortgage Bankers Association (MBA), GabeMinton spearheaded the furtherance of the Mortgage IndustryStandards Maintenance Organization (MISMO). Gabe has workedtirelessly to help standardize the way technology data is utilized in

the mortgage industry, which has been adopted by most technology vendors andlenders. From his time with Ultraprise, to the MBA, to Mortgage Cadence, and nowas chief strategy officer of Motivity Solutions Inc., Gabe has been an advocate andleader for automation, control and standards for the mortgage industry. Gabe uti-lizes his in-depth business experience, leadership and software engineering expert-ise to drive the strategic planning process and develop third party alliances andrelationships, while strengthening Motivity’s technology products and initiatives.

Gibran NicholasCMPS InstituteChairman and Chief Executive OfficerGibran Nicholas is a professional writer, speaker and an entrepre-neur. Since 2005, he has been the chairman and chief executiveofficer of the CMPS Institute, a national organization that certifiesmortgage bankers and brokers. Gibran has personally trained

more than 6,000 financial professionals across the country, including CPAs, attor-neys, financial planners, bankers and mortgage brokers.

Amanda NilesSummit MortgageMortgage ConsultantAmanda Niles, mortgage consultant for Summit Mortgage inPortland, Ore., is a high volume producer on pace to close morethan 150 mortgage loans in 2010. She has worked as a mortgagebroker/banker for nine years and is active in giving back to the

28

NOVE

MBE

R20

10�

NA

TIO

NA

LM

ORT

GA

GE

PRO

FESS

ION

AL

MA

GA

ZIN

E�

Natio

nalM

ortg

ageP

rofe

ssio

nal.c

om

community. She donates her time, resources and money to numerous organiza-tions, including CandleLighters Childhood Cancer Foundation, a charity for chil-dren fighting cancer; St. Andrew Nativity, a charity for educational scholarships;and Care & Share through the Kerala Association of Washington, which raisesmoney for life-changing eye surgeries for children in India.

Patrick P. PalmerPinnacle Capital MortgageNorthwest Division President, RegionalProduction ManagerPatrick P. Palmer, Northwest Division president/regional produc-tion manager, has helped grow Pinnacle Capital Mortgage from50 employees to 700 within only two years as the president of

Alpine Mortgage Planning. Patrick oversees day-to-day sales and operations with-in the company and has 15 years of experience in the mortgage lending industry.Patrick was the co-founder and chief executive officer of Alpine Mortgage LLC inLake Oswego, Ore. Patrick has been a Mortgage Banker since receiving his bache-lor’s degree in Business and Economics from Western Oregon University in 1995.

Jason J. PidgeonNew England Federal Credit UnionMortgage Loan OfficerSince Jason J. Pidgeon’s start at New England Federal Credit Unionin 2001, he has not stopped wanting to learn and be involved.After a few years of involvement in the Vermont MortgageBankers Association, he was nominated for the position of vice

president of the association and currently serves as association president.Additionally, Jason has become one of a few loan officers in Vermont to obtain hisAccredited Mortgage Professional (AMP) designation through the MortgageBankers Association (MBA). In 2009, his annual loan production was 521 loans for$93,260,802, with one assistant and one processor.

Joseph PuthurMortgage CoachPresidentJoseph Puthur is the president of Mortgage Coach, re-inventingthe industry’s most trusted selling strategy to embrace theInternet and mobile revolution. Joe and the Mortgage Coachteam have released two ground-breaking products in the last 12

months; Ratewatch and Edge. He is most known as founder and former chiefexecutive officer of Lasso Technologies, a startup launched just after his 19thbirthday, that pioneered bringing loan origination software online. In 2005, EllieMae, the makers of Genesis, Contour, Encompass acquired Lasso Technologies tocreate Encompass Anywhere, the online version of Ellie Mae’s flagship product.

Philip RasoriMCT TradingPrincipal and Chief Operating OfficerPhil Rasori is a principal and chief operating officer with MCTTrading, a risk management firm that brings big bank capitalmarkets performance and execution to mid-sized lenders. Philand his homegrown analyst team have driven MCT growth,

quadrupling the company in size over the past two years. Phil has continuouslydeveloped and improved the MCT HALO model over the past eight years. In thecourse of his work, he pioneered a number of hedging metrics that have sincebecome de facto industry standards. Phil has also developed one of the indus-try’s first iPhone/SmartPhone apps for mortgage hedging. In addition to his workin the mortgage industry, Phil is a central figure in a benevolent large microlending project in Kenya that has just celebrated a 10-year anniversary.

Stephen RibultanDocMagic Inc.Executive Sales ManagerAt a young age, Steve Ribultan, currently executive sales managerof DocMagic Inc., has worked for several leading mortgage tech-nology companies, including Commerce Velocity, Portellus,OpenClose, and presently DocMagic. In particular, and in the

wake of numerous new regulations, Steve has been instrumental in introducingtechnology solutions to tackle new compliance issues to his clients and partners.Steve is a non-year veteran of the mortgage software industry.

Rick RichterGold Star FinancialExecutive Vice PresidentRick Richter is executive vice president of Ann Arbor, Mich.-basedGold Star Financial. Rick has been ranked the number two loanofficer in Michigan and number 22 in the U.S., and oversees 300-plus loan officers raising productivity by nearly 400 percent in the

last two years. Rick created and was responsible for Gold Star’s sales and clientmanagement system contributing to the company becoming an Inc. 500 compa-ny, and a growth forecast of more than 1,000 employees in 2011 making Gold Starthe fastest-growing financial company in the state of Michigan over past twoyears.

Dawn RobinsonPrimeLendingSenior Vice President of National ProductionDawn Robinson, senior vice president of national production forPrimeLending, is actively involved in the mortgage industry andspends 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 inPrimeLending, serving as an assistant branch manager, to loan officer, to vicepresident of secondary of product development and investor relations, to her cur-rent role with the company as senior vice president of national production. Dawnhas watched PrimeLending been close $500 million in a year, to more than $7 bil-lion year-to-date in 2010.

Rene F. RodriguezMortgageDashboardChief Executive OfficerAs chief executive officer of MortgageDashboard, Rene F.Rodriguez is responsible for leading one of the U.S. homefinance industry’s leading mortgage technology firms. Hisunique methodology and approach to leadership and team-

building have been indispensable to MortgageDashboard as it has innovatedthrough the recent economic downturn. The firm is currently releasing version4.0 of its loan origination system (LOS) and is poised to increase market sharerapidly as the industry enters its recovery. Before assuming his current role,Rene was founder and chief executive officer of Volentum, an enterprise edu-cation and consulting company specializing in the application of “The NextGeneration of Change Making” to deliver practical ways for individuals andgroups to grow and renew themselves even as they engage and profit fromrecurring change. Prior to Volentum, Rene was CEO of Rapid Change, a con-sulting firm that trained more than 50,000 people and whose training andtools were named a Best Practice in three Fortune 250 companies, and chieflearning officer, founder and former dean of the Corporate University for anational mortgage bank.

Rick RoqueMenlo CompanyNational Manager of Business DevelopmentRick Roque was formerly a senior management team member atCalyx Software and is currently a mortgage technology and acqui-sitions consultant. He assists both technology and mortgage firmsin meeting the needs of consumers throughout the mortgage

lending process. Having spoken at more than 50 mortgage conferences over thelast two years, including the first ever mortgage liquidity conference in Africa in2009. Rick leverages his technology, process and mortgage lending expertise togrow adoption and top line revenue growth for his clients. At the present time,Rick leverages this consultative background on acquisitions and strategy for EllieMae in Pleasanton, Calif.

Adam P. SmithThe Colorado Real Estate Finance Group Inc.PresidentAdam P. Smith is president of The Colorado Real EstateFinance Group Inc., a commercial and residential real estatefinance firm. During his career, he has helped thousands ofclients, both individuals and corporations, in their goals

regarding real estate finance, as well as both personal and corporate finance

29

NationalMortgageProfessional.com

�N

ATIO

NA

LMO

RTGA

GE

PRO

FESSION

ALM

AG

AZIN

E�

NOVEM

BER2010

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

Andrew SossStewart & Soss MortgageFounder and PresidentAndrew Soss is the founder and president of Stewart & SossMortgage, a full-service mortgage banking company locatedin San Jose, Calif. Andrew operates a seven employee opera-tion and had personal production of $42 million in 2009,

and is on pace to break $100 million in volume in 2010. Andrew is presi-dent-elect of the California Association of Mortgage Professionals, SiliconValley Chapter and as the Government Affairs Committee chair, he has vis-ited Washington, D.C. to lobby members of Congress on behalf of the inde-pendent mortgage professional.

John Glen StevensENG LendingBranch ManagerJohn Glen Stevens is the current president of the UtahAssociation of Mortgage Brokers (UAMB) and branch managerfor 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 serv-ing as 2010 co-chair of the NAMB/WEST Committee. Previously, John owned hisown company, Stevens & Shumway LLC. He serves on the Library Board for theCity of Pleasant Grove, and ran for a seat in the Utah House of Representativesin 2010.

Louis TesorieroGuaranteed Home Mortgage Company, Inc.Branch Development ManagerLouis Tesoriero tripled funded loans for another mortgage com-pany, from $30 million to $100 million, in just four months priorto joining Guaranteed Home Mortgage Company Inc. AtGuaranteed, as business development manager, Louis has

opened 15 new branches in his first two years with the company. Louis is respon-sible for the nationwide recruitment of full branch operations and the integra-tion of their organization into Guaranteed Home Mortgage. In addition to findingnew organizational opportunities, Louis also serves as a liaison for existing loca-tions to ensure branch retention and a seamless interface with Guaranteed’s cor-porate headquarters.

Drew WaterhouseHammerhouse LLCManaging Director and Chief ExecutiveOfficerDrew Waterhouse has 15 years of experience in mortgageheadhunting 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 onbuilding out production, leadership teams and value platforms. In 2008,Drew established Hammerhouse, a national recruiting and strategic growthpartner, to help clients expand revenue by adding experienced mortgage pro-fessionals that focus on purchase business and have created sustainable rela-tionships with referral partners and past customers. Hammerhouse currentlysupports an organic expansion for clients, which includes private equity firmsentering and expanding in the market, as well as traditional mortgagebankers and depositories, with a focus on model matching and effecting highlevels of retention.

30

NOVE

MBE

R20

10�

NA

TIO

NA

LM

ORT

GA

GE

PRO

FESS

ION

AL

MA

GA

ZIN

E�

Natio

nalM

ortg

ageP

rofe

ssio

nal.c

om

Fix & Flip LendingB & C Lending• 70% Max LTV• Residential & Commercial• 1 to 5 year Term

You Need:1. A Real Benefit for the Client2. Capacity To Support Loan3. Accurate Value4. A Realistic Exit Strategy

Fix & Flip Lending• 100% of Purchase Price• Residential Only• 90-180 Days

You Need:1. Ratified Contract2. Proof of Funds and Liquidity3. Realistic Rehab Budget4. Solid Track record

We Are The Lender. All Decisions Made IN HOUSE."Our Money- Our Rules" - Never Any Due Diligence Fees

Submit your scenarios at WeApproveLoans.com or call (877) 353-2233.

NEW PROGRAM

The Next 40 MortgageProfessionals 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 notbe overlooked. They, like those on the “40 Under 40” list are the leaders ofthis industry for years to come, so keep an eye out as well for the followinginnovators and originators as they continue to shape the industry:

� 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

Josh WeinbergFirst Choice BankDirector of ComplianceJoshua Weinberg is a nationally-recognized speaker, author,trainer and leader in the mortgage industry, specializing incompliance and technology. He works closely with the FederalReserve 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 theDepartment on Real Estate Settlement Procedures Act (RESPA) concerns; and isa member of the Registered Institutions Working Group for the NationwideMortgage Licensing System (NMLS) and many industry associations. Josh is cur-rently director of compliance for First Choice Bank, a state-chartered, FederalDeposit Insurance Corporation (FDIC)-regulated bank in New Jersey, and heconsults privately for mortgage banks and some of the top mortgage technolo-gy vendors in the country. Previously, Josh was in charge of compliance forCalyx Software and prior to that, he owned and operated a mortgage brokeragein San Francisco, Calif.

Andrew WeissMalik360 Mortgage GroupChief Operating Officer and Vice PresidentAndrew WeissMalik is chief operating officer and vice president ofAustin, Texas-based wholesale lender, 360 Mortgage Group. With10 years of mortgage industry experience in secondary marketingand IT, Andrew served as vice president of secondary marketing at

Castle & Cooke Mortgage. His responsibilities there included managing the firm’sloan purchase programs, hedging strategies and IT implementations. Prior to that,Andrew was involved in secondary marketing activities at Echelon Mortgage andMcAfee Mortgage (formerly Home Mortgage).