Officer Image

Manny Alfelor

With over 27 years experience in mortgage lending, my goal is to ensure your journey is both seamless and rewarding. Drawing from my extensive experience as a loan processing supervisor and underwriter, I bring deep insights into every aspect of the home buying process, ensuring smooth and timely closures. Count on me for personalized attention, transparent communication, and proactive issue resolution as I guide you toward the best loan to meet your financial needs. Let's embark on this journey together with confidence and peace of mind.

NMLS#545192 | DRE#2013430

My goal is to provide clients with the care and attention they deserve when financing their homes- I want the process to be exciting and stress-free. I have over 27 years of mortgage lending experience and enjoy helping each client select the best loan to meet their financial needs. As a former loan processing supervisor and underwriter, my deep understanding of back-end processes helps me to close loans and fund purchases quickly and smoothly.


I strive to exceed client expectations and believe that constant and transparent communication is key to success. I keep my clients well-informed through every step of the lending process and deal with potential issues before they arise to help eliminate loan delays.


Outside work, I believe in giving back to the community. I’m a board member of MARYAH, a group founded by real estate professionals to provide funding for San Diego’s LGBT Community Center’s housing project. I’m also on the board of the SD chapter of the Asian Real Estate Association of America.

Delivering on Our Promises, We Build Trust

Our clients value reliability, transparent service and honest advice. We are committed to meeting your needs effectively.

I can't believe that the whole process of getting a mortgage and moving was so fast and painless. ETHOS supported us at every step of the way - always friendly, professional and ready to listen. Thank you again. The Nelson Family Rancho Mission Viejo, CA
We're truly grateful as we look back on achieving the milestone of securing our home. ETHOS went above and beyond, turning our dreams into reality. While other lenders turned us away, they stood by our side, asking, 'Why not?' We appreciate the incredible journey we've been on with ETHOS and can't thank you enough. The Curtis Family San Juan Capistrano, CA
I was finding the process of getting a mortgage pretty overwhelming - it's such a big decision. Once I found ETHOS, I knew I was in good hands. They explained all the options, and the process was smooth and fast. Overall, a great experience. The Johnson Family Rancho Mission Viejo, CA


Mario O’Brien

I excel at building lasting client relationships. Thriving under pressure and adaptable to any situation, I ensure a smooth, efficient process tailored to your unique needs. Through transparent communication and proactive problem-solving, I aim to exceed your expectations with the solutions I provide. As your trusted advisor, I guide you through the lending market's complexities, offering insights and support to achieve your goals and future prosperity.

Noah Burford

With over 25 years in California’s lending industry, I prioritize transparency and clear communication, helping clients make informed financial decisions. My commitment to integrity and exceptional service aligns perfectly with Ethos Lending’s core values. Whether you're a homebuyer, investor, or business owner, I will leverage advanced technology to provide loan solutions tailored to your specific needs, ensuring a smooth and confident lending experience.