With over 28 years of experience in the mortgage industry, I’ve transitioned from client-focused originator to visionary leader—dedicated to redefining what it means to be a mortgage professional. As the founder of Ethos Lending, Inc., my mission is clear: to build the premier mortgage broker platform in the nation and to empower loan officers to rise as true mortgage advisors. / Since launching California Coastal Loans in 2000 and expanding into the national stage with Ethos Lending, I’ve led with a values-driven approach—grounded in integrity, innovation, and leadership. I’ve never been one to accept the status quo. Instead, I’m relentlessly focused on evolving the mortgage space and reshaping how professionals grow, lead, and serve. / At Ethos, we’re pioneering a new standard in the industry through Mortgages Under Management (MUM)—a forward-thinking model that gives mortgage professionals the tools to proactively manage their clients’ loans long after closing. It’s not just about originating transactions anymore; it’s about building long-term relationships, offering continuous value, and elevating the role of the mortgage advisor as a strategic financial guide. / As an ambassador for First Home IQ, I remain passionate about education—particularly in helping first-time homebuyers gain financial literacy and access to trusted advice. That same drive fuels my commitment to mentorship and leadership development within Ethos Lending. / Respected by peers for my insight, transparency, and commitment to raising the bar, I lead with purpose and passion. I live in San Juan Capistrano with my wife and our four children, where we stay rooted in faith, family, and community—values that shape both who I am and how I lead.