• 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 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).

Nam is Chief Operating Officer of Pacific Private Money, Inc. He first joined Pacific Private Money in 2015 as Business Development Director before becoming General Manager then COO, his current position.

During his time managing operations, the Company experienced significant year over year growth from loan originations of $50 million in 2015 to over $400 million in 2021 or 700% in 6 years.

Nam’s real estate and lending career spans over 20 years. In addition to Pacific Private Money, Nam held senior positions with Better Homes/Avalar Real Estate, as Executive Vice President of Operations, where he was responsible for franchisor operations of the company’s 220 franchised offices and more than 2,000 Realtors. Additionally, Nam was the Director of Business Development for the Western US for HomeSmart International, a national Real Estate Franchisor, recognized as one of the top 20 independent real estate firms in the US and where Nam grew the company’s agent and office count 20% during his tenure.

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.

Nam earned a B.S. degree in Psychology from the University of California at Santa Barbara. Licenses held by Nam include a California real estate brokers license (CA DRE #01310091) and Mortgage Loan Originator’s license (NMLS #2067323).

Dr. Bobbi Morehead serves Arrival Home Loans as our Chief People Officer. In this capacity, Dr. Morehead brings her 25 yrs. of experience leading and transforming educational institutions as a Public School Superintendent and University growth catalyst.

Dr. Morehead has successfully lead transformations in high minority/high poverty school districts/buildings. She is an avid advocator for vulnerable populations. Dr. Morehead’s PhD is focused on Educational Leadership. Additionally, she possesses an Endorsement in Instructional Rounds from Harvard University. This combination makes Dr. Morehead the perfect fit for leading our People Strategy. In this role Dr. Morehead champions our DEI (Diversity, Equity, and Inclusion) people strategy. She also leads the charge in developing our new non-mortgage background hiring/career paths and our ESG (Environmental, Social, and Governance) initiatives.

Her priority on people and wellness is evident in her leadership focused on the design of the Arrival Advantage Benefits program, which is ranked in the top 1% of ALL companies nationwide.