We're a family-owned, locally operated mortgage company. We started in the Bay Area of California nearly 40 years ago, and have been guiding people home ever since. With care, compassion, and expertise we guide homebuyers through the loan process. We know how much it means to find the home of your dreams and what it takes to actually get there. So we're there, every step of the way for everyone we work with.
A fully in-house team works together to solve any problems before they appear, so your loan is fast and stress-free.
Our technology driven application process, along with your dedicated Loan Advisor, eliminate any confusion in the loan process.
As a private, family-owned company, we're better able to tailor the terms of a loan to the needs of each individual homebuyer.
Chris is responsible for the restart of First Cal in 2002. As President and CEO, he manages its strategic direction by negotiating and structuring relationships with Wall Street, Depository Banks, Secondary Market Investors, and Warehouse Banks. He is also Vice Chairman of the Board.
He is a principal and director of Standard Trust Deed Service, RSVP, and FCMC Insurance Agency. He is a licensed California real estate broker and member of the Fannie Mae Western Region Advisory Board.
He earned his bachelor’s degree in Business Economics from the University of San Diego in 2000 and is currently in the process of completing his MBA with a CMB designation from the University of Liverpool. He enjoys spending time with his wife and three kids in their home in the North Bay.
Joe joined the First Cal family in February 2016. As the EVP of National Production, he is responsible for leading the charge in the Retail, Wholesale, Consumer Direct and Affinity channels - driving a robust sales culture and operational efficiency that provide a best in class experience for all First Cal customers.
With over 20 years of retail and wholesale lending experience both in sales and operational leadership, Joe is a seasoned mortgage professional. He utilizes a collaborative approach that unifies production teams and drives them to greater levels of success.
Joe attended Messiah College where he earned his B.S. in Education. In his spare time, Joe cycles for Team in Training and spends time with family and friends discovering new favorite wines.
Brandon joined First Cal in 2014 after almost 25 years in the Mortgage Industry. Currently, he runs capital markets and oversees Secondary Marketing and Product Development.
He began his career as a funder in the credit and compliance department at the Warehouse Bank First Collateral Services. In 2000, Brandon moved to Capitol Commerce Mortgage as a Secondary Marketing Analyst, primarily dealing with Scratch & Dent Loans, Contract Underwriting disputes, and Bulk Mandatory sales. He then became a Senior Account Manager and lead trainer at the premier 3rd party outsourced hedging company Compass Analytics, where he spent 10 years advising clients on hedging, sales, best execution, and operational management.
He earned a degree in Finance from Oregon State University in 1998.
David’s diverse experience in the financial industry will bring strategic development to First Cal, contributing greatly to both company and cultural success.
Prior to joining First Cal, David was a partner at Gallina, LLP, a public accounting firm, for over 10 years. His clients consisted of closely held corporations throughout Northern California. He provided audit, assurance and business advisory consulting services related to accounting and financial operations, financial forecasting, budgets, and identifying business controls and assessing related risks.
In addition to his extensive professional career, David is a Certified Public Accountant with both Accounting and Finance degrees from California State University, Fullerton.
Howard brings an entrepreneurial spirit to First Cal, along with the experience and education necessary to make First Cal an industry leader in technology.
Prior to joining First Cal, Howard founded Red Dog Technology, serving as its Chief Technology Officer since 2009. As well, he worked at Charles Schwab, Bank of America Securities, Lehman Brothers, Ernst & Young, First Republic Bank and others. Throughout his career, he has served as Vice President, CTO, Director of IT Operations, Director of Support Services and various other leadership roles.
Howard completed his MBA in Management Systems at the University of Minnesota and received a BS in Computer Science (Cum Laude) at Pace University.
Alice joined the First Cal team in May 2014 with over thirty years of experience in the Mortgage Industry. She is a member of the Executive Team and is responsible for overseeing Compliance, Underwriting, Quality Control, Credit Risk, Post Closing and Servicing.
Prior to First Cal, she joined SN Servicing Corporation as a consultant and acting Chief Credit Officer. Her primary responsibilities were the development and documentation of both general servicing operations and MSR acquisition processes, providing due diligence services, and performing Seller Risk Assessment for MSR business partners.
Additionally, she was an Executive Consultant at Hilltop Advisors and Global Logic Advisors and Director of Loss Mitigation and Chief Credit Officer at First Franklin Financial where she spent fifteen years.
When not working, Alice enjoys traveling, reading, gardening, and spending time with family. She can put together an excellent pie.
Jeff is the VP of National Production for the Consumer Direct Channel. He is responsible for all aspects of the division, including Lead Generation, Sales and Operations.
Jeff joined First Cal in 2010 on the wholesale side, working his way up to VP of National Production for Wholesale. Prior to First Cal, he had experience working as a retail branch Manager, as well as positions as a wholesale and correspondent Account Executive.
Jeff attended the University of Oregon. In his free time Jeff enjoys spending time with his family.
Carly is in charge of national marketing and communications for First Cal’s Retail and Consumer Direct divisions. In her effort to elevate First Cal’s brand standards, advertising, lead generation and public relations activities, she has spearheaded two brand evolutions and the adoption of new marketing technologies.
Prior to joining First Cal, Carly worked as Project Manager for Polaris Pacific, a real estate marketing and research firm that represented developers of luxury urban-infill condominium projects in the Bay Area. She has also worked in hospitality marketing and was a member of the San Francisco Travel Association. Carly is a Veteran of the U.S. Army where she was a 15Y, Electrical and Weapons Systems repairer on AH-64D Longbow attack helicopters.
Carly holds a B.A. in Corporate Communications from Austin Peay State University and a M.A. in Corporate Communications from Georgetown University. She is a Veteran and attended the U.S. Army School of Aviation in Fort Eustis, Va.
In her spare time, Carly enjoys Crossfit, interior design and spending time with her son.
Shannon has been with First Cal for 11 years and currently oversees all Human Resources functions, including planning, directing and carrying out policies. She leads a team of three HR professionals that handle payroll, employee benefits, recruiting and new hire on-boarding.
Prior to working for Fist Cal Shannon was a high school teacher in Marin.
Shannon has a Master of Arts from the University of San Francisco. She has a Bachelor of Arts in Economics and a Human Resources Management Certificate from Sonoma State University.
When Shannon is not working or spending time with her family, she’s volunteering with the American Cancer Society Relay For Life as a Coaching and Development Territory Lead Volunteer.
Teresa is the VP of Post Closing and Servicing Manager at First Cal. She is responsible for overseeing investor delivery to purchase, sub-servicer oversight from loan boarding to servicing transfer, and processing of trailing documents.
Teresa has 11 years of experience working with investors, warehouse banks, servicers, escrow/title offices and document custodians. She began her career in mortgage as a Broker Review Analyst. From there, she reviewed servicing records of litigation files in relation to industry and state standards, documenting deficiencies.
She is a graduate of California State University, Sacramento, B.S. in Business Administration, Production Operations Management. And a Sonoma State University graduate for Elementary Teachers Multiple Subject Credential. Teresa enjoys traveling and spending time with her family.
Melissa is responsible for developing, implementing and maintaining product development. As well, she monitors portfolio growth and products/trends/markets to ensure products remain competitive. She’s able to quickly determine project impacts, manage large groups across functional departments and keep projects on track without sacrificing quality or accuracy.
Prior to taking on this role, Melissa worked for First Cal as a Product Manager as well as a Loan Officer Team Lead. She spent the first 8 years in the Mortgage Industry as a Loan Officers Assistant where she helped Loan Officers guide clients through the purchasing and refinancing process.
Melissa lives in Wine Country with her husband, Matthew. Together they have one child and love to spend their time exploring new and exciting hobbies.
Susan oversees loan auditing, develops internal policies and process improvements, directs internal and external audits, and manages investor relationships to contribute to the continued success of First Cal.
Susan comes to First Cal with a concentration in management, operations, underwriting, quality control, and process improvement for both Agency and Non Agency products. She was previously a Director and Senior Consultant at zIngenutiy for five years, where she was responsible for developing internal operating policies and training auditors to analyze mortgage loan files for credit worthiness and investor compliance. She was also responsible for creating a recovery process for misdirected mortgage insurance proceeds and communicating all project updates to executive management.
Prior to that, she was at First Franklin Financial for thirteen years in Corporate Underwriting and the VP of Quality Control and Loss Mitigation. Susan partnered with the production management team to create branch action plans to ensure accountability of minimum quality control requirements. She improved overall quality metrics by 14% in one year. She was also a member of the Product Development Team and quarterly Risk Committee, where she was both member and Secretary.