President
5892 Magnolia Ave.
Riverside, CA 92506
Email: psosa.smfs@sbcglobal.net
Pam Sosa is the owner of Standard Mortgage Financial Services, Inc., a full service Mortgage Broker in Riverside, CA, that primarily arranges loans for nonconforming properties in rural areas of the Inland Empire. She has been a licensed real estate salesperson since 1972 and a broker since 1990.
Ms. Sosa has been in the real estate and mortgage business all of her adult life. Prior to acquiring her current company, Ms. Sosa has worked in the equity lending business with Union Home Loans, Standard Mortgage Company, and Crawford Investment Company.
Vice President
1410 Neotomas Ave. #106
Santa Rosa, CA 95405
Email: johng@baysierra.com
John M. Graziano is President of BaySierra Financial, Inc., and has been a licensed real estate broker since 1968. He graduated with a BA from California State University, Northridge.
Previously, Mr. Graziano has been the President of TRIAD Mortgage, Inc., Mortgage Broker at NorCal Mortgage, Inc., Vice President at Wells Fargo Bank, and Vice President at Security Pacific Bank.
Mr. Graziano’s professional associations include serving as a Director with Codding Bank, President of the American Red Cross, Sonoma County Chapter, Director of the YMCA of Sonoma County, and member of the Santa Rosa Chamber of Commerce.
Secretary
5230 Las Virgenes Rd., Ste. 285
Calabasas, CA 91302
Email: stevep@anchorloans.com
Stephen Pollack is the Co-Founder of Anchor Loans, a private loan brokerage specializing in rehab loans to non-owner occupants, and has been involved in the real estate business for the past 25 years where he has personally transacted over $950 million in loan business. He graduated from UCLA and received his optometric degree from UC Berkeley.
Dr. Pollack practiced for 10 years during which time he was named Young Optometrist of the Year by the California Optometric Association (COA), served as the President of the San Joaquin chapter of the COA and worked part-time as a Clinical Professor in UC Berkeley’s Contact Lens Clinic.
Dr. Pollack’s community involvement includes being a past director of the United Way of San Joaquin County and Boy’s and Girl’s Club of Stockton. Currently, he sits on the board of Agoura Youth Basketball Association.
Treasurer
10061 Riverside Drive Suite 747
Toluca Lake, CA 91602
Email: omurry@maifunding.com
Odell Murry is President and Founder of MAI Financial Services, Inc., and is a licensed real estate broker and mortgage banker. He has many years of real estate experience, having been involved in the ownership and management of several residential, commercial and industrial real estate investments. His real estate projects have included ownership of multiple single-family rentals, multiple apartment buildings, and managing partner of the Emeryville Business Center.
Previously, Mr. Murry spent two decades in the retail industry as a leading executive at Woolworth and Mervyn’s, and ended his retail career as President of Gateway Marketplace, an affiliate of The Price Club (later named “Costco Wholesale Corporation” or “Costco Warehouse Stores”).
He has served as a member of the board of directors of the Vallejo General Hospital and is a present or former member of National Mortgage Bankers Association, National Association of Realtors, California Association of Realtors, and Burbank Board of Realtors.
Directors
141 Stony Circle, #205
Santa Rosa, CA 95401
Email: george@omega-money.com
George F. Adair, Sr. is the broker and President of Omega Capital Management, Inc., a private loan brokerage company and Omega Capital Fund, LLC a loan fund company, and has been a licensed real estate broker since 1961. Mr. Adair’s expertise includes real estate, title, appraisal, banking, and real estate financing.
Previously Mr. Adair managed a mortgage office for Financial Center Bank and mortgage brokerage with National Bank of the Redwoods. In his career, Mr. Adair has personally transacted over $300 million in business and holds a California Brokers license and a California Finance Lenders License.
Mr. Adair’s professional associations include memberships with the California Association of Realtors and the National Association of Realtors.
10920 Via Frontera #230
San Diego, CA 92127
Email: ron@phfinancial.com
Ron Bedell is President and Founder of Pacific Horizon Financial, Inc., and Pacific Horizon Mortgage Investors 1, LLC, which specializes in funding commercial, construction and land loans with private money. Mr. Bedell graduated from Ohio State University in 1971 with a BS in Aeronautical & Astronautical Engineering. Mr. Bedell began his real estate career in San Diego in 1975 as a commercial real estate broker specializing in multifamily sales and management, and eventually syndication.
Mr. Bedell currently serves as a Director of Seacoast Commerce Bank and holds a lifetime teaching credential with the San Diego Community College.
Ron and his wife Carol reside in Poway, CA, and have four adult children.
2371 El Camino Avenue
PO Box 214507
Sacramento, CA 95821
Email: geo@themoneybrokers.com
George M. Eckert is Vice President & General Counsel for The Money Brokers, Inc. of Sacramento, CA, and has been a licensed real estate broker since 1987. A graduate of The University of Scranton and Western State University College of Law, Mr. Eckert has been a member of the California State Bar since 1982.
Mr. Eckert currently serves as President and Legislative Chair of the California Mortgage Association.
Mr. Eckert resides in Plymouth, CA, with his wife of 34 years, Anne, and their three cats.
1795 Solano Ave.
Berkeley, CA 94707
Email: mforbes@feforbes.com
1849 Sawtelle Blvd., Ste 700
Los Angeles, CA 90025
Email: noah@bfcloans.com
Noah Furie is the CEO and Co-Founder of Budget Finance Company, a Los Angeles based regional niche lender providing residential and commercial loans, and has been a licensed real estate broker for 25 years.
Mr. Furie is a regular speaker at seminars, including the California Mortgage Association and its predecessors where his topics have included Truth in Lending Compliance, Fair Lending and ECOA Compliance, Understanding the Finance Lenders Law and updates on state and federal laws and regulations.
Mr. Furie has been a member of the Legislative Committee of the California Mortgage Association and is Chair of the CMA Legal Resource Center.
He is also a former member of the Real Estate Commissioner’s Real Estate Finance Advisory Committee (REFAC), the Department of Corporation’s Multi Lender and Securities Task Force, and the City of Los Angeles Anti-Predatory Lending Advisory Group and Technical Subcommittee.
3351 Cerritos
Los Alamitos, CA 90720
Email: ggetz@cwfi.com
Gordon Getz is Broker of California Western Financial Investments, Inc., a private trust deed originator, which he has run for over 30 years with his wife, Caroline Getz. He has been a licensed broker since 1968 and received his real estate license in 1959. He graduated with a business degree from California State University Long Beach.
Previously, Getz was an independent loan agent for California Federal Savings and Loan and several other lenders in the conventional and FHA/VA market.
Getz is the Chairman of the CMA PAC Committee where he has had the challenge of increasing the total annual PAC contributions from about $30,000 four years ago to a goal for this year of $200,000. He is also a member of the California Association of Realtors and the National Association of Realtors, as well as past president of the Long Beach Chamber of Commerce and past president of a committee of 300 for the Long Beach Grand Prix.
Gordon loves to ski and play tennis and golf and also enjoys spending quality time with his two grandchildren.
555 H Street Suite G
Eureka, CA 95501
Email: goldan@reprop.net
Glenn Goldan is CEO of ReProp Financial, a private small balance commercial mortgage banking company which specializes in blending collateral and credit analysis to fund loans which are just beyond the reach of traditional institutional lenders. Mr. Goldan began his real estate career in 1976 and has successfully owned and operated five real estate brokerage and two property management companies.
Mr. Goldan currently leads the Commercial, Construction and Pool Managers Focus Groups for CMA. Previously, he has served as Vice President and Legislative Chair for the California Trust Deed Broker’s Association and Legislative Chair, Vice President and President for the CMA. He is also a member of the Commercial Mortgage Securities Association.
Glenn, his wife Shelle, and their daughter, Hannah, have been very active members of their community and are especially involved in youth sports, Humboldt Sponsors and Court Appointed Special Advocates (CASA). Glenn currently chairs the Coastal Division Board of Directors for Umpqua Bank, and has served on the Board of Directors of Eureka Rotary and the Eureka Historical Preservation Commission; chaired the Redevelopment Advisory Board for the City of Eureka as well as the Private Industry Council for Humboldt County; and, has been President of the Eureka/Humboldt Economic Development Corporation.
4870 Viewridge, #100
San Diego, CA 92123
Email: martyg@rescap.biz
Martin Goodman is the founder of Residential Capital Mortgage Income Fund LLC, which originated more than 3,000 consumer loans, and has been a licensed real estate broker since 1997. He graduated from Miami University, where he graduated with a B.S. in Business, and he earned an MBA from the University of San Diego, graduating Valedictorian of his class.
Mr. Goodman has over twenty years experience as a business entrepreneur including government contracting, systems development, real estate and lending.
Previously, Mr. Goodman was in real estate re-development where he purchased, remodeled and resold more than 500 residential properties. Mr. Goodman is also the author of two books, “Earning High Yields in a Low Yield World” and “Delinquency Dollars, A Loan Officer’s Guide to Beating Foreclosure.”
Mr. Goodman’s philanthropic activities include a position on the board of directors as audit committee chair for the Old Globe Theater, as well as “RealEd,” a nonprofit Mr. Martin created that is dedicated to incorporating real estate and mortgage basics into elementary, middle and high school mathematics.
11952 Wilshire Blvd.
Los Angeles, CA 90025
Email: chershson@fidelityca.com
Charles H. Hershson is President of Fidelity Mortgage Lenders, Inc., a full-service real estate lending firm, and has been a licensed real estate broker since 1965. Previously, Mr. Hershson founded the predecessor company, Fidelity Home Loan Company, Inc., a real estate lending firm specializing in residential equity loans. He is a graduate of the University of Southern California with a B.S. in Real Estate and Finance.
Formerly, Mr. Hershson has served as President of the California Mortgage Association (CMA), President of the Mortgage Association of California (MAC), and President of the California Independent Mortgage Brokers Association (CIMBA). He also has been a member of the Real Estate Finance Advisory Committee appointed by the Commissioner of the California Department of Real Estate.
Mr. Hershson’s numerous community associations include Vice President of The Guardians, which raises funds for the Jewish Home for the Aging, board member of the Jewish Home for the Aging, and board member of the Wellness Community. In addition, he is a member of the Board of Governors for Cedar-Sinai Hospital.
1779 Woodside Rd. #201A
Redwood City, CA 94061
Email: david@herzer.com
David Herzer is President of Herzer Financial Services, Inc, a private money lender and mortgage fund management company which originates and services real estate acquisition and development loans, bridge loans, and residential and commercial loans in the San Francisco Bay area. He has been a licensed real estate broker for 24 years and has held licenses in insurance, Series 7 and Series 24 securities, and variable annuities. He graduated with a Bachelor of Arts degree from the University of California.
Mr. Herzer is currently on the website and membership committees for CMA and has been on educational panels for CMA and CAMB. He is also a member of the Board of Directors for the Menlo Park Rotary, the CK Foundation, and contributes to the Berkeley Food Project, Rebuilding Together, the Kentfield Schools Foundation and several other charities.
David lives in Marin with his wife and two children and enjoys drumming, mountain biking, skiing, little league and water skiing.
46 N. Second Street
Campbell, CA 95008
Email: Liz@plmweb.com
Elizabeth M. Knight is President and CEO of PLM Lender Services, Inc., an independent trustee service which specializes in foreclosures, private investor loan servicing, document drawing, fund administration and REO disposal. Ms. Knight is a licensed California real estate broker and has been in the foreclosure and loan servicing field since 1981 and in the real estate field since 1977.
Ms. Knight is a graduate of St. Mary's College with her Bachelor's degree in Business Management with a minor in English and an Associate’s degree in Business with a minor in Real Estate.
Ms. Knight currently serves as the Secretary for the United Trustees Association. She is also a court qualified expert in the field of foreclosure and loan servicing.
13701 Riverside Drive, 3rd Floor
Sherman Oaks, CA 91423
Email: steve9800@aol.com
Steve Leidner is the Founder of Lantern Financial, a private money mortgage company, and has been a licensed real estate broker since 1982.
Mr. Leidner is a past President and Vice President of the CMA. Previously, he worked as a Specialist Broker on the New York Stock Exchange, created a home construction company, and served as a Loan officer with Home Budget Loans.
Mr. Leidner’s philanthropic associations include a Patron Supporter of the Los Angeles County Museum of Art, Museum of Tolerance, Museum of Contemporary Art, the Los Angeles Philharmonic Association, Food on Foot, the Ovarian Cancer Coalition, and The Guardians.
17045 Chatsworth Street, Suite 100
Granada Hills, CA 91344
Email: c432@socal.rr.com
Joffrey Long is the President of Southwestern Mortgage, which makes, arranges, and services loans secured by residential, commercial and mixed-use properties, and has been a licensed real estate broker since 1978.
Mr. Long is the past President of the California Mortgage Association and has served as a Director since 2001 and has co-chaired the education committee since 2004.
Mr. Long is a certified instructor for the California Association of Mortgage Brokers and the National Association of Mortgage Brokers (NAMB). He holds the NAMB “Certified Mortgage Consultant” designation and regularly serves as an expert witness and litigation consultant in mortgage-related matters.
21777 Ventura Blvd. #201
Woodland Hills, CA 91364
Email: rich@rctemme.com
Richard Temme is President of R. C. Temme Corporation, a mortgage banker and mortgage broker, located in Woodland Hills, California and has held that position for more than 30 years. He graduated with his doctorate from Upper Iowa University.
Mr. Temme is the past President of the California Mortgage Association and has been Chairman or Co-Chairman of the Education Committee of CMA since 1999. He is also a member of the Board of Directors or President of several other companies in lending-related businesses and served on an advisory committee, at the request of California Real Estate Commissioner, to evaluate and make recommendations for continuing education requirements of Real Estate Licenses.
Mr. Temme has also participated in many litigation assignments as an expert witness in lending related cases.
Legislative Advocates
1127 11th Street Suite 820
Sacramento, CA 95814
Email: marnold@mjarnold.com
Michael Arnold is the President and Founder of Arnold & Associates, which represents clients in health care, local government, and mortgage lending. He has represented the California Mortgage Association and its predecessor organizations since 1985. In this role, he has drafted or assisted in the drafting of dozens of laws impacting mortgage lending in California.
Mr. Arnold graduated from UCLA with a Bachelor’s degree in Political Science and a Master’s in Public Administration. He also holds a standard secondary teaching credential and a community college teaching credential.
Prior to founding his firm, Mr. Arnold was the Chief Lobbyist for the League of Cities and worked with the California Medical Association (CMA).
925 L Street Suite 1250
Sacramento, CA 95814
Email: mbelote@caladvocates.com
Michael D. Belote is a legislative advocate with the firm of California Advocates, Inc. in Sacramento, where he represents a variety of association and corporate clients before the California Legislature and provides counsel on legislative and regulatory issues. He graduated from University of California at Berkeley and the McGeorge School of Law in Sacramento.
Previously, Mr. Belote was Vice President-Legislative Counsel for the California Land Title Association working on issues such as insurance regulation, escrow procedures, foreclosure and others. He has also served as Legislative Advocate for the California Association of Realtors, focusing on broker liability, agency, and taxation.
Mr. Belote lives in Roseville, outside of Sacramento, with his wife and son.
Legal Counsel
577 Salmar Ave., Second Floor
Campbell, CA 95008
Email: Padleson@ahk-law.com
Phillip M. Adleson is the senior shareholder in the law firm of Adleson, Hess & Kelly, a Professional Corporation, and has been a real estate attorney since 1976 and is a licensed California real estate broker. He graduated with a Juris Doctor, Cum Laude, from University of Santa Clara School of Law in 1976.
Mr. Adleson is corporate counsel for both the California Mortgage Association and for the United Trustee’s Association. He is also past President and Legislative Chairman for UTA’s predecessor, the California Trustees Association and currently serves as a director of UTA. Mr. Adleson is a former attorney for the California Court of Appeal and has testified before the judiciary committees of both the California Assembly and California Senate. He is a past instructor of real estate and foreclosure classes at DeAnza Community College and San Jose State University and has taught numerous DRE and CLE approved classes.
Mr. Adleson has represented numerous lenders, trustees, purchasers, sellers, title companies and others in trials, arbitrations, DRE licensee administrative hearings, appeals, amicus curiae briefs, class actions, unfair business practices and in many other areas involving real estate, lending and foreclosure.
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