ISERVE - Key Persons

Job Titles:

• Member of the Leadership Team
• Executive Vice President, Strategic Growth and Development

After over a decade with iServe Residential Lending, I can report that our mission continues with a long tradition of providing consistent results for our clients, employees and business partners, and a highly supportive culture throughout every level of the organization. It is a team approach at iServe and truly a compassionate can-do mindset with respect to every aspect of its operation. Throughout my career, I have maintained key positions in operations and sales management with leading mortgage bankers, including my current position as Executive Vice President at iServe. My focus is upon building relationships, including open and meaningful communication, timely follow-up, and dynamic customer service. My responsibilities include the acquisition and development of origination channels throughout the U.S., primarily producing NMLS licensed Loan Originators, and Realtors. I have a Juris Doctorate degree, and in my spare time, enjoy spending as many moments as possible with my family. Please contact me anytime if you would like to compare notes regarding iServe, or any aspect of the mortgage industry: afriedman@iservelending.com.

Job Titles:

• Member of the Leadership Team
• SVP Mortgage Operations
• Vice President - Mortgage Operations

The mortgage business is engraved in Brett's blood; his father is a 50-year veteran in the industry. However, Brett began his own journey nearly 30 years ago, and in that time, had the extreme pleasure of serving in just about every capacity possible: from sales and marketing to a wide range of operational functions. The past 21 years of Brett's career have been in various aspects of management, including operations, sales, marketing, branch, and regional. Brett says, "The only constant in the mortgage business is change." Each day brings new challenges and new rewards. His lifelong credo has been "learn something new every day," and, even after three decades, mortgage banking has given him the opportunity to do so. Above all else, Brett knows that the work we carry out matters to people. It matters to the borrowers buying their first home, to those making an upgrade for a growing family, and to homeowners putting themselves in a better financial position. "It's an awesome responsibility and privilege to help make an impact in someone's life." It's a privilege Brett will never take for granted. iServe has been Brett's home for over 10 years, and he can say with the utmost honesty that he won't affiliate himself with a company whose vision and values don't align with his own. "Ultimately, a company is only as good as its people, and iServe has a team of some of the finest mortgage professionals with whom I've had the pleasure to work with." Brett sees that there has been a significant number of technological advances in the mortgage industry that have allowed the lending environment to become more efficient and effective. "I don't see automation supplanting the human element of the business, but workflow automation will continue to expedite the timeline of the lending process." Inherently, the mortgage business is a people business that thrives on human connection and customer service. Technology is a means of supplementing our human resources to deepen the customer experience.

Job Titles:

• Member of the Leadership Team
• Western Regional Manager
• SVP Western Regional

Brian has been in the lending industry since 2006. He has a Bachelor's in Finance and a Master of Business Administration with a concentration in New Venture Management. Prior to entering the lending industry, he was in consultations and owned/operated several startup ventures in various fields such as: finance, automotive, international production, manufacturing, as well as real estate construction and development. An entrepreneur at heart, Brian is motivated to build. His position allows him to achieve this on numerous levels: whether it's helping a loan officer establish and build their brand, setting up and growing branches, working on digital marketing systems, or establishing processes to differentiate iServe, Brian is always looking to help the company and its team members grow. Brian enjoys how iServe gives him the support and freedom to be innovative and try new things. "In most corporate environments within the industry, everyone fills a specific role with set responsibilities, but not at iServe." Brian has carved out his unique role, which feeds his strengths and interests. "As home loans become more and more of a commodity, it's important to find ways to differentiate. New innovations in Fintech and digital marketing present opportunities to develop competitive advantages in the areas of systems, procedures, marketing, and branding. On the loan product front, while Fannie, Freddie, and Ginnie Mae account for 97% of new mortgage loans originated, there are emerging opportunities in the Non-QM or Portfolio segments." Brian is excited that iServe is making an investment in making these loans available to originators, and by extension, to borrowers.

Job Titles:

• Member of the Leadership Team
• SVP Business Development
• VP of Business Development

Christina has over 15 years of experience in the Finance industry with a specific focus in marketing and investor relations. Christina graduated from Salve Regina University with a degree in accounting. She's worked both on the capital raising side developing relationships with hedge funds and other investment companies, as well as on the sales side. Currently, Christina's main responsibilities consist of building out different marketing initiatives to help attract new business and focusing on growth strategies to help increase revenue. Christina is passionate about the teamwork and the respect the iServe team has for one another. "It's great working for a company where the people love where they work and are always striving to do their best, but it's the growth opportunities which is the most exciting part. To be a part of the huge growth of iServe has been astounding," Christina elaborates to say "I get to assert my own ideas on projects. The reward at the end of the day is that you can say you were a part of it, and that's a great feeling." Christina has been with iServe since its inception in 2007 and is well respected and valued for all that she brings to the firm. She has seen firsthand the amazing growth and stability throughout the years. At iServe, Christina reinforces the sense that "you never feel like just another employee - you're a part of a real family and team". Christina knows that she's working with professionals who are open to learning from one another and will continue to push her to take on new and challenging opportunities. She believes we will see a steady flow and increase of buyers coming to the market, and that there's a whole group of people sitting on the sidelines waiting for just the right time. Technology in the mortgage industry will continue to drive the industry in the coming years, and while most of the transaction is digitalized, lenders will look to become digital from end-to-end, making the loan process smooth and stress free. "It's an exciting time in the lending industry, and I look forward to embracing future innovations in the hopes of continuing to make the lending process easier for everyone."

Job Titles:

• Member of the Leadership Team
• East Coast Regional Manger
• SVP Eastern Regional

Dennis has been in the mortgage lending industry for over 20 years. He started his career as a top-producing loan originator and transitioned into leadership and coaching. Dennis has closed over $650,000,000 in volume and has been a national sales coach for over fourteen years. His unique methodology in leadership is one that is valued by everyone at iServe, not just loan originators. Dennis is a servant leader who will give his all to see our team succeed. Dennis believes, "every person has a purpose, and when they have a solid plan in place, they will achieve success by living with purpose and passion". He enjoys training our team members and helping them find their unique purpose. "Once everyone begins working and living out that purpose with passion, I enjoy watching their success explode."

Job Titles:

• Co - Chief Executive Officer
• Co - Founder
• Member of the Leadership Team
• Director, Co - CEO

Doug Wilson is a Director, Co-CEO, and Co-founder of iServe. Doug received his bachelor's degree in Accounting from Arizona State University. He then went on to become a CPA & Consultant with "Big 4" accounting firm, Deloitte Touche, in the Emerging Business Services Division. Doug was also a SVP/CFO in Homebuilding, Land Development, Syndications, and a Mortgage Loan Originator with an independent mortgage broker. He has been partner and member of two mortgage companies and was a wholesale representative for high CLTV lenders. Doug enjoys working with some of the most talented team members in the entire mortgage banking industry. He says that witnessing the professional growth of our associates who then achieve a high standard of performance which translates to a high level of customer service and success are some of his most rewarding moments.

Job Titles:

• Member of the Leadership Team
• SVP of Capital Markets

Henry Jonas, our Senior Vice President of Capital Markets, has 30+ years in Capital Markets. He received his BBA from the University of Florida in 1986, and then went on to get his MBA from Auburn University in 1993. Henry enjoys analyzing hedge positions and creating strategies to help mortgage banks improve their executions within the bond market. His work can directly correlate with the company being able to achieve more competitive rates. As his unique skill set typically is only seen in large companies, he takes pride in growing smaller companies and watching the sales staff become more successful. As a competitive individual, he loves helping smaller companies grow and take market share from the usual "giant monster mega lenders". Capital Markets are a sales tool that most executives don't think of like this. He retired after we sold Platinum Mortgage in the Southeast. After a bout a year and a half, he found himself bored and missed the competition. Henry had many opportunities with various companies, but he chose iServe due to its excellent management and company size. iServe struck him as a cause, not just another lending company. The team at iServe are the type of roll up their sleeves and do what they must to close a loan; that's a company that has the foundation to grow! Platinum Mortgage was the similar, and we grew it from a former broker to one of the largest privately held mortgage banks in the Southeast. Henry sees technology continuing to grow in the industry. However, too many companies rely upon their technology fleet. At the end of the day, production staff must be able to pick up the phone and get a decision maker on. Companies that do not offer service to the sales staff and borrowers quickly will eventually lose market share. Technology vs personal contact is a balancing act!

Job Titles:

• Co - Chief Executive Officer
• Leader
• Member of the Leadership Team

Ken has over 25 years in the financial industry as a loan officer, Regional and Divisional manager, and as Co- CEO of iServe. He is a former loan officer and has a rich appreciation for the MLO role within the organization. Ken attended Trevecca University and resides outside of Nashville with his wife and daughter. Ken is a passionate leader who believes that a winning organization empowers their employees to create, share ideas, and be part of the decision-making process. As a leader, Ken's passion is to help grow the company and help loan officers, branch managers, and regional managers succeed and achieve their dreams in the mortgage industry. Ken's favorite part of iServe is the culture. "Our employees are the best! From our administrative staff to our processors, underwriters, closers, and funders. We truly have the best employees in the industry," he says. "I am very proud of their commitment to our company, fellow employees, MLO's, referrals partners, and our borrowers."

Job Titles:

• Chief Operating Officer
• Member of the Leadership Team

Mike is an accomplished, results-driven, NMLS licensed mortgage professional with over 28 years of experience in all facets of mortgage banking. He has extensive knowledge in building an efficient, high-volume, quality operations platform. Mike is experienced in all aspects of running a successful organization - from operations and underwriting, to secondary marketing and sales. His results-oriented approach has a proven track record for consistently exceeding metrics on quality, production, and profitability. Mike also has extensive experience in agency, FHA, VA, and USDA loan products. Mike is passionate about the iServe family, and loves getting to work with some of the best and brightest individuals in in the mortgage industry. Mike is a teacher and mentor, and he thoroughly enjoys seeing a range of individuals decide to make the mortgage business their career. "Home ownership is key to a successful economy for the United States. With VA, FHA, USDA, and various down-payment/state bond programs, iServe can fully support those looking to achieve their dream of home ownership." Mike says "Too many borrowers do not know of the options available to them. It's our mission to help change that through education of the various loan programs. Getting qualified families in homes is what drives me to do more."

Job Titles:

• VP of Recruiting and Talent Acquisition

How do the systems and operations in place at iServe set our LOs up for success? Quite simply, the customer experience is at the heart of everything we do. From our state-of-the-art borrower portal MAX to our loan origination system, we've designed our system and processes to allow originators to efficiently serve their borrowers and real estate partners with fewer touches, enhanced document security, and better communication. Behind our technology, and even more paramount to our success, is the superior team driving our company. Every person in every role is invested in our loan officers' success, ensuring that iServe is a name that customers trust and champion.