Our letters to you...

Dear Consumer,

We want the arrival in your new home to be sooner rather than later. Amoung the buy before sell options out there, the Arrival Home Loan offers the simplest transaction structure in comparison. You will not find yourself renting your current home from us, or we will not be asking you to take our offer on your home. This luxury loan product gives you back time, money, and control of the transaction timing. It bridges the gap between life changes. We’ll work with your real estate agent to win your next home! With the ability to make cash-like offers, you have a competitive edge. Once you arrive in your new home, you can refinance out of the bridge loan with your traditional bank or mortage broker. We hope that you will ally with us, and empower yourself to compete in today’s market!


Your team at Arrival Home Loans

Dear Real Estate Agent,

With Arrival in your tool box, you can potentially double your sales, earn higher commissions, and all without having to take a discount. You can be a hero to your buyer clients, who have suffered losing out on mulitple offers, and help out your sellers who feel stuck in their current home. With Buyers and Power Buyers, looking to disintermediate your commission model, we are here to help you compete. The vehicle for all this positive change is the Arrival Home Loan.

We hope that you will ally with us to do what we do best, serve our communities!


Your team at Arrival Home Loans

Dear Mortgage Brokers,

With Arrival in your tool box, you can now provide a buy before sell solution for your client, while retaining the refinance transaction after they own the new property.

Yes! We help them with the purchase, and you help them with the refinance out of a bridge loan. Do you have a client that doesn’t qualify for a traditional mortgage? We are an equity qualifying loan product with the flexibility needed to help buyers who feel stuck. Arrival is a true ally, as we exclusively focus on bridge loans. You will not find us to be competition down the road. We hope that you ally with us to help buyers make their next big move!


Your team at Arrival Home Loans



Darrel Bilbrey


  • 25yrs of extensive experience building start-up mortgage companies in the US & abroad
  • Proven expertise scaling business idea’s into large structured operationalized companies
  • Mortgage expertise spanning origination through securitization
  • Risk, Sales, operations, compliance, process, & technology expertise

Built startup mortgage company, including all end-to-end banker processes and grew from $50M to $1b origination volume with full GSE and Agency relationships.

Established Islamic compliant mortgage lending operations in Middle East with capital commitment from Deutsch Bank, overseeing implementation of operations procedures, staffing, training and systems testing. Led buildout of ops, origination, fulfillment LOS, hardware infrastructure configuration, and facilities management.

Co-Founder of independent mortgage company (Prosperity Home Mortgage) in 2013 for Long & Foster Realty, generating $3.5B+ in annual originations.

Managed $100B annual production operations and credit risk, while achieving JD Powers & Associates #1 for customer satisfaction rating for top ten lender (InterFirst).

GSE Strategy lead primary market digital mortgage strategy and implementation for automated income, asset, and appraisal digital validations using data for instant approvals with NO documentation (use data not docs). Optimized FannieMae AUS DU black box underwriting algorithms.

Designed post QM Jumbo product parameters, exit strategies, overall Jumbo product line for $100M monthly in production for IMB.

Partnered with Top-10 lenders, GSE’s, and FHFA on developing process improvements and strategy for future operating model of FNMA/FHLMC for mortgage lending.

Led advisory support for Top-10 lenders’ issues fulfillment processes, practices, regulatory compliance, productivity, data and technology strategies, workflow and overall rebuilding of origination and production fulfillment processes to be compliant, effective, and automated.

Managing Director of ‘Big Four’ audit firm in establishing compliance programs for lenders, CFPB, Dodd-Frank, RESPA, and GSE compliance, and a Top-10 Lender.

Built infrastructure as President/COO for CrossCountry Mortgage to increase scalability for production from 2B to 10B annually.

As Head of Lehman Brothers Mortgage Capital division, lead all operationally strategy, streamlining global operations, reduced fulfillment costs by 75M annually.

  • Harvard Innovation and Strategy Executive program- estimated completion 2023
  • MBA – Certified Mortgage Banker – CMB
  • Masters of Business Administration: DePaul University, Kellstadt Graduate School of Business
  • Bachelor of Bus. Admin. – Finance: Western Michigan University
  • Member: Chairman’s Executive Council of Mortgage Bankers Association for Independent Mortgage Bankers (2015-2022)

Mark Hanf


Mark is Founder, President, and CEO of the San Francisco Bay Area-based Pacific Private Money Group of companies. Pacific Private Money Inc., the flagship company, is an alternative real estate mortgage lender founded in 2008 to provide consumers and real estate investors access to fast, reliable, and convenient capital.

He is a real estate professional with 40 years’ experience, including 25 years in real estate development and 15 years in mortgage lending. Mark is known as a visionary entrepreneur and collaborator and has overseen the launch of five complimentary divisions supported by four private funds.

Mark is considered an innovator and recognized authority in the alternative lending space, and is a published author, radio personality and regular speaker at industry conferences.

He is an active member of industry associations, including the California Mortgage Association, the American Association of Private Lenders, and the California Association of Mortgage Professionals. He pursues his personal and professional development through memberships in Vistage CEO Advisory Group, Strategic Coach and Genius Network.

Mark earned a B.S. degree in Business Administration with a focus in finance and accounting from the Menlo School of Business Administration in Atherton, California. Licenses held by Mark include a California real estate brokers license (CA DRE #1811186), Mortgage Loan Originator’s license (NMLS #331091), and California Finance Lender’s license (CFL #6054605).


Mike Bunn

Director of Mortgage Technology

Rita Kassab


Robert O'Neill

Director of Program Management

Jamie Rigoulot

Director, National Sales Support