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David Lykken
President – Mortgage Strategies
Managing Partner
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(512) 977-9900 ext. 101
David Lykken has a passion to help mortgage companies grow and prosper by providing solid business strategies and advice. He thoroughly loves working with his clients and has had amazing results. It’s not just the energy he brings to each new relationship - rather the way he simultaneously supports and challenges his clients, building on strengths and pinpointing areas for improvement. With more than 34 years of industry experience, David has garnered a national reputation. He has become a frequent guest on FOX Business News with Neil Cavuto, Stuart Varney, Liz Claman and Dave Asman with additional guest appearances on the CBS Evening News, Bloomberg TV and radio. His thoughts and opinions about the mortgage and housing industry are often quoted in business sections of leading news papers across the country as well as in mortgage industry trade publications. David is renowned for his unique blend of technology and business experience and success working with early-stage startups all the way up to thriving public companies. He has the “been-there-done-that” experience as the founder of two Southern California mortgage banking companies and partner in a large national mortgage banking company. Possessing a strong entrepreneurial spirit, he also started a computerized loan origination (CLO) software company literally in his garage, which eventually grew into a large national publicly traded tech company that captured a 23% market share. Since 2000, he has helped a growing number of business owners and senior management teams dramatically transform their businesses – shaping the next generation of mortgage banker in the process. David also has a BA from Pacific Lutheran University in Tacoma, WA. He lives in the beautiful Texas Hill Country west of Austin with his wife and two daughters. He is active in marketplace Christian ministry.
Andrew Schell, CPA, CMB
President – CFO2Go
Managing Partner
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(512) 977-9900 ext. 102
Andy’s primary focus is helping clients make money. Over the past 30 years he has been the financial architect for start-up and national companies in mortgage finance. He was the Founder and President of “CFO2Go,” an innovative outsourced financial services group, the President of a statewide mortgage bank and he has started entrepreneurial ventures in technology, financial services and insurance sales. At his direction, companies have experienced significant profit increases – in one case, a 1,600% increase in just two years.
He led the creation of a $2 billion national Correspondent Lending division for San Francisco based Bank of America and managed a $17 billion annual commodity settlement division supporting all hedging / capital markets activities. As COO & CFO for banks, mortgage banks, and a closely held public company he led the creation of 5 companies with sales production from coast to coast. He also led the acquisition of a San Francisco technology company to retool software for resale to NASA and the installation of Intercontinental Ballistic Missile silos as part of the National Defense Shield. Early in his career at the age of 24 was the lead financial officer presenting performance results to a depository’s Board of Directors.
Andy is a CPA licensed in Texas and a CMB -Certified Mortgage Banker. (There are few individuals who hold both designations). He has an undergraduate degree in finance from the University of North Texas and a graduate degree in Banking from Southern Methodist University. He has served in many community and civic groups including Crosspoint Community Church as a member of the Elder Board, Board Treasurer for a non-profit children’s performance group called Broadway Kidz, and recording engineer for Cornerstone Studio. He and his wife Suzanne have been married since 1982 and have 4 children.
Chuck Klein
President – Mergers & Acquisitions
Managing Partner
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(512) 977-9900 ext. 103, Direct Line: (254) 741-1582
At MBS, Chuck Klein’s clients rely on him to envision a growth plan (or exit strategy) appealing to outside investors or capital partners. Mr. Klein is renowned for his 20+ years as Managing Director and owner of mortgage industry brokerage and consulting firms representing sellers and buyers in many of the country’s largest transactions involving banks and mortgage companies. Clients are also confident that he will find them partners that are philosophically compatible – as well as find niches, provide service, and implement business plans giving them long-lasting competitive advantages. Chuck Klein is a Director of the Texas Mortgage Bankers Association and has served as a member of Fannie Mae’s Secondary Marketing Liaison Committee. Chuck graduated from the University of Texas, Austin with a BBA in Management and lives in Waco, Texas with his wife Patty. His son Mitchell is a college student at Sam Houston State University.
Marcia Starcher
National Sales Director
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(512) 977-9900 ext. 111, Direct Line: (858) 459-3333, Cell: (858) 699-4444
Marcia Starcher has over 25 years of experience in sales in the mortgage industry. This experience includes secondary marketing, mortgage insurance, Fannie Mae and due diligence services. She has negotiated large commitments for a publicly held mortgage company, was Director of Institutional sales for RFC and most recently, VP of Deutsche Bank Correspondence Division. In these positions her duties were opening new territories, building long term relationships, contract negotiations which ranged from 25 million to several billion dollars. Her expertise is not only in sales but in service as well. She is adept in analyzing problems and quickly providing a solutions for her clients. Marcia has lived in La Jolla, California for 23 years and loves it!
Scott Woll
Director of Business Development
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(512) 977-9900 ext. 112, Cell: (609) 247-0907
With over 25 years of experience in mortgage banking, Scott Woll has gained his experience and knowledge across all facets of the industry. He has been involved heavily in secondary marketing, financial analysis, servicing evaluations and operational management as well as correspondent and broker lending. Scott has the desire and ability to teach others and assist in their growth and success. He has a unique ability to translate the “mortgageese” and business details to a common language for all levels to understand and thereby follow to success. Scott has worked diligently with the local MBA, FNMA and FHLMC to assist in the continuing education and growth of the industry, and has written articles for the Mortgage Banking Magazine as well as Mortgage Orb.
Scott has worked for both small and large organizations from banks to independently owned mortgage companies, and has assisted in growing companies from scratch as well as increasing the efficiency and profitability of existing companies. At Equity One, he was involved in creating and selling ABS to Wall Street while increasing profits over 50% and retaining mortgage servicing rights to cross-sell the customer base. While working at Commerce Bank, he assisted with increasing production annually over 5 times from $400 million to $2 billion. In the early 1980’s, Scott was involved in creating one of the first ARM securities to be sold in the market, as well as the purchase and sale of over $5 billion in mortgage servicing rights. He has also been involved in creating new competitive commission structures that were praised by both originators and corporate management.
Scott graduated from the University of Delaware with a BS in Business/Finance. He is active in the local community sports programs, coaching in various sports from soccer to basketball to lacrosse. Scott and his wife Donna have been married since 1982. Currently, they live in Mount Laurel, NJ, a community outside of Philadelphia, and are busy raising their five beautiful children.
Lindsay Bridges
Business Development Manager
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(512) 977-9900 ext. 110, Cell: (512) 657-2588
Lindsay Bridges is a steadfastly dedicated sales professional who strives to successfully guide our clients through the process of obtaining the services that best suit their needs. She enjoys the hunt to find the right solutions to help you grow your business and always strives to exceed expectations. Lindsay excels at developing strong lasting relationships with our clients and thrives on supporting them throughout our relationship. She has a previous background in real estate and was a member of one of the Austin Business Journal’s “Top 25 Producing Teams.” Individually, Lindsay was the top producing agent under that same brokerage. She graduated Cum Laude with a double major in Political Science and Psychology from Texas Tech University, where she remains a loyal Red Raider Fan. She lives by Lake Travis near Austin with her husband Michael and their son Zachary.
Rebekah Schell
Sales Associate
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(512) 977-9900 ext. 120
Rebekah is an energetic sales professional who strives to meet the needs of her clients. She has an intense customer service focus which resulted in her achieving the top sales person standing in all three of her last positions in retail sales. She’s excited about expanding her understanding of Mortgage Lending. Rebekah is a senior Marketing and Sales major at the Baylor University Hankamer School of Business. She is also active in the Pi Sigma Epsilon Professional Selling and Marketing Fraternity and Alpha Delta Pi social sorority.
Gerard J. Heinz, CPA
Senior Consultant
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(215) 275-6054
Jerry Heinz has over 25 years of experience in the mortgage banking industry. In that time, he has held senior roles in finance, secondary marketing, mortgage operations, servicing and mortgage related technology. Jerry’s consulting resume spans back-office operational reengineering and supports warehouse lending audits, technology reviews, technology design, project management, servicing valuation and reviews and default management. He has also designed and managed the development of multi-channel mortgage production systems. In doing so, he has selected and integrated best of breed applications for product and pricing, document capturing and imaging, and laptop origination over a relational database.
In support of his technology consulting, Jerry has performed analytical reviews of production and servicing operations for acquisition, consolidation, and reengineering. Additionally, he has performed M&A reviews of servicing platforms including accounting, collections, foreclosures, and operational analysis. Jerry has also conducted Warehouse Lending Reviews for First Collateral, National City, and MidAtlantic National Bank, during which he reviewed many of the client server applications evaluating integration points with the warehouse lenders and recommending changes to provide controls throughout their operations. Further, Jerry has operated as an interim CIO to facilitate the process, design, development and implementation of various systems.
Jerry has been a proponent of e-commerce solutions working with various firms and investors to implement paperless processing and servicing solutions and promoting data centric architectures to provide analytical and decisioning support of a final e-Mortgage Solution.
David Hopson
Senior Consultant, Director of Secondary Marketing
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(512) 977-9900 ext. 104, Direct Line: (949) 273-4197
With an unusually broad background in both business and technology, David is passionate about creating systems aligning people, process, technology and business strategy. He has 15 years of experience in the mortgage banking industry and is primarily involved with leading MBS' secondary marketing operations and its technology department, which oversees systems recommendation and integration. The son of an electrical engineer, he turned a lifelong interest in computers and math into a position as project manager and head developer for a project developing a loan origination software system from scratch. (When the company was sold, half of the company’s book value was attributed to this innovative system.) Due in large part to his efforts, David’s clients are exceeding their business goals – and MBS is fast becoming one of the nation’s premier mortgage consulting firms. David holds a BS in Business Administration with emphases in Finance and Marketing from the University of Califonia, Berkeley and currently lives with his wife in Placentia, CA. Having been born and lived in Europe as a child, David speaks Italian, French and basic German and Spanish and enjoys traveling - especially to visit both his and his wife's families, who happen to be from the same Italian town.
Richard Hornaday
Senior Consultant
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(512) 977-9900 ext. 107, Direct Line: (864) 616-0820
After 20+ years in the mortgage, financial and real estate industries, Richard Hornaday has developed exceptionally strong experience in the mortgage business. He has held executive level positions at several corporations, managed operations in servicing, Quality Control, licensing, due diligence and compliance. He most recently founded, and served as President and Partner of Mortgage of America, a mortgage broker in Greenville, SC generating $1M in fee revenues in 2005, its first full year of operation. At MBS, clients appreciate the fact that Richard can drill down to the smallest detail, while remaining mindful of the big picture – and driving change at their own company. Richard lives in Greenville, SC, with his wife and two children where he is Elder in the Presbyterian Church, and serves on the board of a nonprofit facility for developmentally delayed and abused children.
Patrick Intiso, CPA AMP CMB
Senior Consultant
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(512) 977-9900 ext. 108, Direct Line: (530) 308-8120
Patrick Intiso has served as the CFO and Director of Secondary Marketing for several mortgage banks throughout his twenty-five years of Real Estate and Mortgage Banking career. After becoming a CPA at Cal State, Northridge, Patrick began his career as an Audit Supervisor with KPMG Peat Marwick and quickly attained the CFO position for General Electric Mortgage Corporation. Patrick spent a significant amount of his career acting as principle consultant for PVI Consulting in Auburn, California before moving on to Manager of Warehouse Lending for Gateway Bank FSB, and Manager of Secondary Marketing for American Pacific Mortgage. Patrick is an accomplished financial manager, having managed simultaneously the warehousing, secondary marketing, and a mortgage bank’s $120 million operational budget and all of its accounting and reporting activities. He has a unique background rooted in Commercial Real Estate Lending and Residential Mortgage Banking, specializing in Broker to Banker “startups”. Patrick became a CPA with KPMG Peat Marwick in 1977, attained the status of Accredited Mortgage Professional from the School of Mortgage Banking in 1984, and became a Certified Mortgage Banker in 2005.
Vaughn Pearson
Senior Consultant
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(214) 405-6667
Vaughn Pearson is a consultant to small and medium-size commercial banks and leads seminars for financial services institutions both nationally and internationally. He has over 30 years of diversified executive and senior management experience with medium and large financial institutions, two major bank consulting firms, and a Big Four accounting firm. He has special expertise in lending, credit, risk mitigation, workout, strategic planning, and professional development activities. Vaughn has served as Chief Credit Officer and as Chief Lending Officer of Dallas-area banks, and has participated in numerous domestic and international consulting engagements for banks, thrifts, credit unions, insurance companies, and governmental agencies. He has served on the faculties of the Southwestern Graduate School of Banking and the Risk Management Association for more than 25 years, and is on the adjunct faculty at LeTourneau University. Vaughn holds a BA from Duke University and an MBA from Tulane University.
Dennis Starcher
Senior Consultant
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(512) 977-9900 ext. 106, Direct Line: (858) 459-9598
Dennis Starcher has had an exemplary 35-year career in banking and mortgage lending. He has held senior management positions with several financial institutions on both coasts and has an extensive background that covers every aspect of the industry. Not only has Dennis successfully held executive positions – he has dramatically transformed companies in the process. He rose from the ranks of loan officer to become Senior VP of Citizens Federal Savings & Loan. From there, he went on to found that company’s mortgage banking subdivision that became Loan America (and oversee the company’s explosion from $25 M to $1 Billion in assets and liabilities.) At MBS, Dennis enjoys extending the benefits of his expansive knowledge and skill set to those developing their own careers. Dennis works out of his home office in La Jolla, CA and is a board member of a local faith-based organization that aids ministers and churches in conflict resolution.
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