EVP, Divisional Manager
Certainty Home Lending
John has been in the mortgage lending industry since 2004 and has held leadership responsibilities in the New Jersey, Florida and California markets. He came to Certainty Home Lending after 15 years with one of the world’s largest global banks, where he most recently held the role of Market Leader for their Wealth Management division. In that role, John oversaw 20 wealth management loan officers supporting the bank’s financial advisors and private bank client associates in the greater Los Angeles and Southern California region, leading the Los Angeles market to become number one in both 2021 and 2022.
John came to Southern California in July of 2015 as the Area Lending Manager for Santa Monica/Ocean Cities market. There, he grew his team of loan officers, which quickly earned the #1 production ranking with over $2 billion in volume in 2019.
Previously, John served in the South Florida market as an Area Lending Manager. During his time in Florida, he was regularly asked to speak at real estate industry events produced by organizations such as the Miami and Fort Lauderdale Associations of REALTORS. In 2014, he was named President of the National Association of Hispanic Real Estate Professionals (NAHREP) of South Florida, where he worked to empower that community to better realize the dream of home ownership. He later served on the National Board of NAHREP as a Chapter Trainer.
John began his career as a mortgage loan officer, assisting in the recovery from the foreclosure crisis by serving multicultural, low and moderate income borrowers and becoming the bank’s leading producer in volume for those markets.
John received his Bachelor of Arts degree from Rutgers University. Today, he lives in Marina Del Rey with his wife and dog.
Navigating a market with razor-thin margins is a challenge. The latest MBA data shows the average independent mortgage bank lost $28 on every loan originated in the first quarter of 2025, with losses even steeper for smaller lenders. Despite this, some of the savviest lenders are not just surviving, but thriving. This powerful discussion will reveal how top-performing mortgage professionals are driving down their average cost per loan by finding hidden efficiencies in everything from commissions to technology and equipment. Attendees will gain exclusive insights into strategies for boosting productivity and improving pull-through rates.