As President and Co-founder of Preferred Rate, Phil recognized early on that success in the mortgage industry is to balance the interests of all participants in the transaction. Phil has mastered the ability to develop a dynamic between sales production and fulfillment. The key to his success is his laser focus on always putting the borrower first.
Prior to founding Preferred Rate, Phil was an Executive with a national lender, where he built and presided over all retail production and operations. Phil is well known for building divisions and companies from the ground up. Before his role as EVP of Retail, he was the architect of a large division in the Central U.S. Phil entered the mortgage industry in 2006, where he quickly became a top producer; that success led him to opportunities of senior leadership and now President of PR.
Phil has owned and operated several businesses over the last 15 years. He brings expertise in scaling and servicing of organizations. Phil’s previous experience, both within the mortgage industry and outside, as an entrepreneur, has prepared him for his role today, as President of PR. His plan and vision are to guide PR to be one of the largest mortgage lenders in the United States.
Sean is currently serving as Managing Director and Co-founder of Preferred Rate, a joint venture partnership with American Pacific Mortgage. Sean’s primary focus is working with new and existing branches to manage the financial aspects of their day-to-day business. His previous experience of running Capital Markets at three different mortgage companies positions him well to accurately quantify and present the enormous economic advantage of working for Preferred Rate.
Sean was previously in charge of Product Pricing and Portfolio at Parkside Lending. In a prior role, he simultaneously managed Capital Markets and Western Sales Production at Peoples Home Equity, a $4 billion mortgage originator. Sean was awarded the CFA Charter in 2006, holds a degree in Economics from the University of California Davis, and has extensive experience in sales and operations management, profitability modeling, product development, and competitive analysis.
Outside of work, Sean enjoys spending time with family and friends. He lives in Las Vegas, NV, with the love of his life and daughter. He is a voracious reader, loves to travel, and plays the occasional round of golf.
EVP of Operations
Chris is presently serving as EVP of Operations for Preferred Rate, in partnership with American Pacific Mortgage. As a Co-founder of Preferred Rate, Chris’s focus is to lead, develop, and grow an industry leading operations unit. His prior experience as a national operations leader lends to his ability to guide Preferred Rate’s fulfillment team to be the best the industry has to offer.
Chris was previously responsible for overseeing National Operations at Parkside Lending. During his tenure there he was tasked with leading a multi-channel operation with a focus on Wholesale and Retail production. Prior to his role as EVP of Operations at Parkside, Chris took on a role in operations leadership with Peoples Home Equity which ultimately led to the development of two regional operations centers in the Midwest and Western US. Chris is also a licensed loan originator and leverages his knowledge and understanding of sales in his role to aid in developing an unbreakable bond between Sales & Operations. His true passion is to help those around him succeed to heights they never imagined possible.
When he isn’t at the office, Chris’s greatest past time is watching his two daughters play soccer. In his downtime, he enjoys spending time with family and friends. Chris resides in Orange County, CA, and loves spending time outdoors, attending live concerts & sporting events, and traveling.
National Director of Underwriting
David Fabrizio is the Divisional Director of Underwriting at Preferred Rate. David has been in the mortgage industry since 1991 and has held a Direct Endorsed status for several years. David also has a significant background in training and a degree is Bachelor of Science in Psychology with an emphasis on learning and development.
In addition, he holds a Master’s in Business Administration as well as a Master’s in Strategic Leadership. David is married to his beautiful wife Jolie and has three children, Kyle, Tori, and Eliza. He enjoys traveling and spending time on road trips with his family.
National Sales Manager
Bill Schwers has joined Preferred Rate/American Pacific Mortgage as our new Division Sales Manager, Vice President of Mortgage Origination and Talent Acquisition. Bill brings over 30 years of proven experience in the mortgage industry to the Preferred Rate/American Pacific Mortgage Team.
Prior to joining Preferred Rate, Bill served as the Regional Sales Manager, V.P. for Parkside Lending and Peoples Home Equity from 2014 until 2020 where he was responsible for all mortgage sales production, recruiting and marketing functions.
In addition, Bill spent over 20 years building and leading large mortgage sales operations for Bank of America and Charter One Bank in the roles of Regional and Divisional Sales Manager in the states of Ohio, New York and Illinois. During this time, Bill recruited, trained and coached some of the top performing sales teams and Loan Officers in the mortgage industry.
Throughout his career, Bill has served on numerous Board of Directors for Housing and Community related non-profit organizations. Bill is a graduate of The Ohio State University where he earned a B.S./B.A. Degree in Business Marketing.
Chief Strategy and Innovation Officer
With over 30 years of experience in literally every facet of the mortgage industry, Heejin’s expertise lies in spearheading best practices, identifying unique opportunities, and cultivating talent. Heejin understands that there are now far better ways to both deliver value to consumers and to grow a mortgage operation with advanced technology, superior training, airtight systems, and the strategic employment of both virtual and in-office assistants.
Heejin’s experience includes a variety of operations roles, over ten years as a top producing loan officer, the founding of a major mortgage company in the early 2000s, and substantial work in the wholesale arena. In addition, Heejin is the co-founder of JVM Lending, a mortgage operation that thrives entirely from its focus on systems, technology, talent-recruiting, and training.
Heejin and her husband Jay maintain homes in both California and Texas. She is a rapacious consumer of business books and podcasts, data analytics, and anything to do with stoicism. In her free time, Heejin also loves to cook, read and travel with a zeal that few people can match, being on the road for business or vacations the majority of the time. She can also frequently be found walking her Bernadoodle, Steve.
Director of Technology
Rama Mohtadi joins Preferred Rate as our new Director of Technology, bringing over ten years of mortgage technology experience to the Preferred Rate team. Rama’s passion is to build a modern mortgage technology stack that brings value to the entire organization.
Rama has held technology roles, including product development and solutions engineering, at Fannie Mae, Ellie Mae, and Prospect Mortgage. Before the mortgage industry, he has been a developer at various Financial companies and holds a Bachelor’s degree in Computer Science from the University of Texas at Dallas.
Rama resides in Plano, Texas, with his wife, son, and Goldendoodle named Rugby. He enjoys traveling, playing sports, and spending time with his family.