Meet The Team

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Meet The Highly Qualified Team


Loan Partner to Charles Vamadeva
NMLS License # 274875
DRE License # 01199559

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Armando, Mando for short, is a 24+ year veteran of the mortgage industry raised by Realtor parents, who are now semi-retired after 30 + years of service. Mando prides himself in focusing on what’s best for the client. He strives to keep all parties informed during every transaction using several different types of communication including video emails. There are always option for borrowers. He prides himself in thinking outside the box to find solutions where others see only roadblocks. His desire for knowledge of the newest programs and guidelines that help people realize their dream of home ownership has brought him much success. Having held the positions of office manager, production manager and corporate manager, helps to know all the little nuances of the process. He also ran a multi-branch correspondent lending firm for over 10 years. All this experience and positions have taught him to always seek options, for your clients and options for you too. Armando has earned a loyal following of Realtors, affinity partners and best of all past clients who consistently exchange referrals and retain a great number of repeat clients. A blended family father of 6 and grandfather to 10, he does well to balance work and family time. Being the prior President of Little League for 2 terms and a Little League board member for 4 yrs. has taught him the joy of giving. Mando’s favorite quote: “Every positive thought propels you in the right direction.” Give Mando a chance…. you won’t be disappointed.


Loan Officer Associate


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Hi I’m Adrian and I’m a mortgage loan specialist, and a devoted single father of one beautiful daughter. I have worked in customer service all of my life and look forward to bringing excitement and charisma to the once dull and stressful mortgage experienc e of the past so weather you’re buying, selling or refinancing, I’m your guy! Your home is one of the biggest financial decisions of your life so why trust a big bank with a part time loan originator with that? I work full time around the clock for you! Ca ll or text with any questions I would love to pre – approve you and get you out shopping for homes or simply just guide and game plan with you if you’re not ready to buy, absolutely no obligation. Looking to refinance? have you seen how historically low the rates are right now? Call me, lets save you some money! I look forward to earning your trust and the opportunity to take care of you and your family.

Angie Pineiro

Loan Officer
NMLS License # 2309639
DRE License # FL
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Angie Pineiro is a Mortgage Loan Originator with Patriot Pacific Financing Corp.  She has worked in the real estate industry since 2017 and is MRP certified.    


Angie helps clients obtain the best rates and lowest cost for residential properties with FHA, VA, USDA and conventional loans.  Being a trusted expert in the mortgage industry is top priority for her.  She takes pride in finding the best personalized loan solution for each client. Angie is Spanish-speaking and her dedication to excellent service and quality client care has helped develop an outstanding reputation in the real estate community. 


Loan Officer, USMC Veteran
NMLS License # 1564519
DRE License # 02177643
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Anel Green Moore has been a loan officer for 8 years. Originally a California girl, raised in a Spanish speaking home and mother to 3 amazing young ladies. Prior to her career in mortgage loans Anel served as a sergeant in the United States Marine Corps. Her career transitioned into working for top defense firms as a systems analyst. In her past work experience Anel developed invaluable problem – solving skills which have led her into home lending. Anel is passionate about educating other veterans , current and future homeowners on all the advantages and benefits that home ownership provides. Her deep rooted family values, lessons learned from the beloved Corps and problem solving analytical skills have groomed her to be a determined and dedicated problem solver, and Your Mortgage Loan Officer.


Loan Officer Associate
NMLS License # 1918103
DRE License # 02123898
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Growing up in two different countries with two different cultures is not easy but focusing on taking nothing but the best out of both cultures has helped me expand my horizons and gives me the ability to adapt to different environments quickly. I graduated as a commercial pilot from Spartan College of Aeronautics in Tulsa, Oklahoma and flight school taught me many important lessons like organization, time management among others but one lesson that stands out the most is to always look after the people who depend on me because their safety is first. Like many people in this country, I was paying for college with a part time job, I came across the hospitality industry and it was there where I discovered I genuinely like helping people, it brings me joy when guests leave happy and thank me for my hard work with a strong handshake or a friendly hug. People who saw that passion in me suggested I should take these skills to the real estate or the mortgage industry to help a community that has a hard time finding people they can trust. I’m glad to be part of a team here at Patriot Pacific with years of experience in the industry where people share the same passion of working hard for others.


Loan Officer
NMLS License # 322410
DRE License # 01029418
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I have been originating loans in California since 1987 after graduating from Cal State Northridge with an Economics degree. As an active member of the Temecula community since 1989, I have been able to raise a family and enjoy the well-maintained growth that Temecula Valley provides. I moved to the Temecula Valley as a Loan officer to open a mortgage branch in 1989 and never looked back. I am well versed in most mortgage types specializing in FHA, VA, Conventional, and Jumbo. One of the reasons I joined Pacific Patriot was their embracing of technology and industry-leading customer service. The attention to detail in every aspect of the process is impressive. Their innovative loan programs and rate pricing model make it not only the most efficient but also the most cost-effective. Please take the time to read my reviews on Zillow or any other online sources. With our fine-tuned new paperless Digital mortgage, you can get a full loan decision as fast as a cup of coffee at Starbucks. I look forward to speaking with you soon.


Loan Officer
NMLS License # 315238
DRE License # 01810137
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Hailing from small town Anoka, MN, Brad attended United States International University (USIU) and later graduated from San Jose State University (SJSU) on a golf scholarship while competing in the 1993 NCAA Tournament.

After pursuing a career as a professional golfer and PGA of America Teaching Professional, Brad later accepted a position as a Loan Officer in 2004.  Realizing the lack of reliable information and transparency in the lending industry, he developed a robust and informational website for Buyers.  helps homebuyers make more informed decisions.

Brad is an Independent Mortgage Loan Consultant committed to educating & empowering home buyers (& homeowners) to better understand the loan process, compare loan options, and qualify for an affordable mortgage loan.

With Brad’s knowledge and 17 years of experience, he specializes in the many different $0 down and first time homebuyer and down payment assistance programs, such as CalHFA, CalHERO, GSFA Platinum Grant, GSFA OpenDoors, Chenoa Fund, FHA, VA, USDA, HomeReady and HomePossible homebuyer programs.

Brad resides in Murrieta with his wife Tamara, son Grant, enjoys family time fishing, golfing, and watching his son pursue his passion for baseball.


Loan Officer
NMLS License # 1313382
DRE License # 01330618
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With over 18 yrs in the Real Estate and Lending industry behind me, I am passionate about finding the right home loan for my Clients while also enabling them build wealth through real estate. Having been a Real Estate Agent before my Lending career, I have special insight into what Buyers go through as they pursue the dream of homeownership. I find the work of putting people into homes enjoyable and rewarding. I am committed to providing you with an informed, efficient and hassle-free Home Loan experience with 5 star service. It’s my goal to build lasting relationship with my Clients and help generations of homebuyers. In my spare time I work on my passion of photography while enjoying the Outdoors, taking scenic shots of nature. My other interests are hiking, beaches and exploring new places with my children. I also enjoy volunteering at my kids’ church and school and am Bilingual.

Brad Baird

Loan Officer
NMLS License # 2111363
DRE License # 2107857
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Palm Springs and the Coachella Valley are great places to live and work, which is why Bradley chose to call it home. With roots in Winnipeg, Manitoba and Vancouver, British Columbia, Canada, Bradley came to Southern California in 2014. Real estate is a passion for Brad, and with his background Professional Business Banking, it is easy to see why numerous clients called Brad for help financing and advice with their practices.

Bradley became a part of the Patriot Pacific Financial Corp family primarily because of their direct connection with Veterans. He isn’t just passionate about helping Veterans’ families find their next home. Bradley has personally navigated the VA Loan process himself and has witnessed first-hand the prevalent misperceptions of the lending program. Bradley avails a wide gamut of mortgage products through Patriot Pacific Financial to his clients, including VA, USDA, Investor, Foreign National as well as Conventional.  Bradley’s approach is one of integrity, honesty, educating clients about the mortgage process, and above all, being their advocate resulting in their success achieving the most important financial investment of their life.  If you are like 20% of us in the desert and come from elsewhere, it’s time to stay awhile.

Spending time exploring the Palm Springs area together with his spouse, Mark as well as their Goldendoodle, Emmett, is never something Bradley takes for granted.  

Brandee Crooks

Loan Officer
NMLS License # 1682814
DRE License # 02095825
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Purchasing a home is the largest purchase most people will ever make. It can be exciting, stressful and overwhelming even for the savviest buyer.  I pride myself in building quality and long-lasting relationships with my buyers and my real estate agents. My commitment to my clients is to make sure this process is being done WITH you, not AT you. Communication, transparency, and integrity must be the foundation of every client relationship.  In addition to my NMLS and Real Estate Sales Licenses, I have completed additional education to obtain my CDLP Certificate (Certified Divorce Lending Professional).  Having been through the unfortunate experience of divorce, I understand too well how stressful and overwhelming it can be.  We are told not to make major financial decisions during emotional times, but the very nature of a divorce requires us to do exactly that.  I offer complimentary consultations throughout the divorce process. I communicate with you and your attorneys or mediator to navigate through the details to ensure the final judgement provides the best financial result for both parties and your children.  Additionally, I have completed the Reverse Mortgage Certification.   Reverse Mortgages now are not the Reverse Mortgages of the past.  Updated guidelines and oversight have created a Reverse Mortgage product that can help utilize your home as an excellent retirement planning opportunity.  I will work together with your financial planner and your family members to create the best scenario possible so you can enjoy your retirement the way you were meant to. I love what I do, I love making homeowners, helping homeowners and as a team with my real estate partners to ensure a smooth, transparent, and seamless transaction.


Broker & VP of Lending
NMLS License # 289913
DRE License # 02103516
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I first began originating mortgage loans as far back as 1997 in Tulsa, Oklahoma. I still remember driving for 3 hrs from there to a small rural town named Sulphur, Oklahoma one night just to pick up an updated paystub from an elderly Client so their $13,000 mortgage loan could fund the next day. Not much has changed in my resolve or my determination to make deals happen. Homeownership is a privilege but there are many enemies to it. Bad credit habits, past mistakes, fear of commitment, myths & misinterpretations and more recently, seemingly oppressive and restrictive Underwriting guidelines handed down from Fannie Mae, Freddie Mac, HUD, VA and USDA. In the war against a rent-doomed life, I continue to shine as a beacon of light. Hundreds of grateful Clients say so. My vast experience in correctly understanding and implementing Lending guidelines has earned me a reputation for being a “no-nonsense” Lender. A Homebuyer’s ally that wrestles Underwriters to the n’th degree, and excels at arguing the merits of each file, often championing a Loan Approval against all odds. And so I find myself never wanting for referral business because hard work, integrity and skill are the birthing places for repeat clients and referral business. Take a few minutes to watch the testimonials on my site from Real Estate Agents whom I work with closely and Clients. Be sure to also prepare for home ownership by watching my homebuyer video tutorial series at My advise to Homebuyers: “Don’t believe everything you hear. If the door of Homeownership gets slammed in your face, crawl under it, go around it, or knock the whole door down.” Call me so I can show you how . . I originate FHA, VA, USDA & Conventional Loans across all of California. Admittedly my Staff and I have a soft spot for our Military buyers. So if you are a Vet, you found your Lender. Homebuyer: why haven’t we spoken yet? You need to call me 🙂


Loan Partner
NMLS License # 249909
DRE License # Pending
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Coni Davidson is a dedicated Loan Consultant with solid experience in home loan origination. Coni Davidson, NMLS #249909 is ready to meet the needs of the community and demonstrate why so many clients have put their trust in her over the years

Da’Ron Jones

Loan Officer, USMC Service Member
NMLS License # 2426394
DRE License # 02167464
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Da’Ron Jones has served 12 years in the United States Marine Corps. He has been stationed in New Orleans LA, Quantico VA, San Diego CA as a Drill Instructor and Camp Pendleton CA. Da’Ron Jones has also deployed to Sigonella, Italy and Kuwait as apart of the Special Purpose Marine Air Ground Task Force. From the experiences of teaching Professional Military Education courses for certain rank requirements and at Drill instructor School, Da’Ron developed a passion for not only teaching about military education; but to develop the ability to mentor and inspire Marines for their overall viewpoints of life outside of the Marine Corps as well. This led Da’Ron to pursuing a career in Real Estate and Lending for the sake of not only being able to assist Service Members and Veterans with utilizing the VA loan, but also assist buyers with all types of home financing to place them in the best position possible.

Dash Crutchley

Loan Officer
NMLS License # 1015981
DRE License # 01868372
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My name is Dash Crutchley and I am a licensed mortgage lender (NMLS #1015981) at Patriot Pacific Financial. I also hold a Real Estate Broker License (CALDRE #01868372) and understand the nuances of a real estate transaction. My mission as a mortgage lender is to build longstanding Realtor® and customer relationships based on creating an “unforgettably positive” experience for all parties involved in a real estate transaction. My ethos is centered around helping my clients and customers build wealth through homeownership and feel confident and educated through the process. The choice for you or your client’s home financing is a huge one and I appreciate the opportunity to earn your trust. I can be reached any time by call or text at 951-805-8305 or via email at Thank you!


Jr. Loan Partner
NMLS License # 1627479
DRE License # 02173737
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I have spent the last 10 years in the finance industry starting with student loans helping students out from underneath their debt. Since then, I have held various positions in the real state and finance industry including student loans, loan processing, loan officer, personal banking, and foreclosures. Whether it be buying a new home, refinancing an existing one, or just taking some cash out for that much needed family vacation, I have found an immense amount of satisfaction in helping people meet their Real Estate and financial needs and look forward to doing so with the Patriot Pacific Financial team.


Loan Officer
NMLS License # 322413
DRE License # 01290441
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I started in the mortgage industry in 1998 after moving to California from Wisconsin in 1997. After 15 years in the paper mill industry I embarked on a new career. I have always loved working with numbers and with some discussions, encouragement and quite frankly the initial idea of becoming a loan originator from my sister, I began originating loans. Actually, I started reading Underwriting guidelines. Lol. Boring!!! Yes, this was due to my sister as well as she worked in the mortgage insurance industry for 35 years. She felt I needed to know guidelines in order to advise people of their true options. I still remember my coworkers asking me “why aren’t you out selling loans instead of reading guidelines?”. To this day, I do not consider myself a salesperson. I look at myself as a trusted advisor helping all clients I am fortunate enough to work with in understanding the process. I feel it is my duty to give accurate and timely information and find huge satisfaction with educating clients. Many clients don’t know they have choices and I enjoy informing and educating them of this. I know I am their best advocate in achieving the goals they have set and delivering on these expectations. I love my job. Whether it is a First Time Home Buyer or a $3 mil loan, I work withall clients giving them the same straight forward information. Whether you want to buy or refinance palace in La Cresta or a Manufactured home I am here to serve you. Each transaction can have some unique characteristics and I take the time to work with you as an individual to determine the best course of action that fits your needs.


Loan Officer
NMLS License # 1033077
DRE License # 01928419
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I have spent over 20 years in the mortgage industry and over the past 8 years I have worked in sales as a Loan Officer. As if lending wasn’t enough, I’m also working with a local insurance agency to grow and build their Medicare division. I love helping pe ople, whether it is with refinancing their current home, financing a new home, or enrolling them in Medicare. I have a history of very satisfied clients. I think my empathy for each person’s individual situation comes through when I’m working with them. My c lients become my family and I treat them the very best that I can and always want the best for them. I have lived in this valley for most of my life, I am married with 3 adult daughters, a son in law, 2 granddaughters and 2 dogs. I enjoy spending time wit h my family and especially anything to do with being in the pool or lake


Loan Officer
NMLS License # 235872
DRE License # 01312187
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Guy Campbell grew up in Canoga Park, CA and is the father of 3 boys whom he adores. When he’s not putting together a home loan as brilliantly as anyone in the industry, Guy is out fishing, snowboarding, mountain biking or enjoying some other sport. In his downtime he likes to travel to spend time with his two eldest boys in College or go on an adventure with his youngest. As a tenured professional in the mortgage industry, he attributes his success to excellent customer service skills and always keeping the needs of the client first. Offering a diverse group of funding sources allows him to custom tailor the mortgage solution which best fit’s the client’s profile and long term financial objectives. Lending is no longer a “one size fits all” industry and his detailed approach to selecting the “best” product, provides his clients substantial savings over the life of the loan. Whether you are a first time homebuyer or seasoned Investor, you can rely on Guy to guide you through the complex process of leveraging in the Mortgage Industry today. Guy completes Purchase and refinance loans with FHA, VA, USDA and Conventional financing


Loan Production Manager
NMLS License # 1420048
DRE License # 01323369
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Hannah has twenty years of experience in lending and real estate. She joined Charles’ team in 2017. Hannah is a spouse to a Marine Corps veteran, which has given her the passion to work closely with Veterans. These personal and professional experiences have made her widely considered a VA loan specialist. Hannah’s experiences have given her a deep insight to both sides of the transaction; from helping buyers get pre-approved for a mortgage loan to finding the most ideal home for every client and their family. A mortgage loan is one of the most significant financial endeavors. Hannah makes her clients a top priority and helps them navigate smoothly through the process of acquiring a mortgage loan. If you have questions for qualifying for your loan or questions about the process, she will help you get on the right track so you can make home ownership a reality. Please feel free to call her at 951-536-7580 or email her at; she is available seven days a week to answer any mortgage loan questions you may have.


Office Manager

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Having joined Patriot Pacific Financial Corp in 2020 Isabel happy to be back in the Mortgage Industry after a 13 year break. Isabel has many years’ experience from doc drawing, Loss mitigation, posting payments, funding, culminating as a Funding supervisor. In 2018 she became the first in her family of 3 siblings to go to college and earn an Associates degree in Business Administration &Office Administration. A wonderful achievement for. She is excited about the opportunity to grow and help fellow team members work together hand in hand to make Clients’ dreams come true

James McCann

Loan Officer
NMLS License # 352086
DRE License # 01123512
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I started my career in the Mortgage Industry back in 1989. I graduated with a degree in Finance & Economics from Westmont College in 1987. I really love helping my clients navigate the process of obtaining a mortgage and pride myself in having the highest level of professionalism, integrity and service one can offer. I believe in building the level of trust that creates a client for life. I have worked for Big Banks as well as small boutique mortgage brokers and everything in between. At Patriot Pacific Financial we have the opportunity to search over 50 lenders nationwide to find the perfect product match for each client or we can offer in house direct lending. This gives us the best of both worlds to offer our clients. I pride myself in being able to find solutions to challenging loans and believe in going the extra mile to secure financing even for the toughest of loans. I have four children, two of which are following in my footsteps and are mortgage loan officers themselves. I have been married to my college sweetheart for 33 years and live in Temecula. In my free time I love to golf, surt, skateboard and play basketball. I would love to serve your mortgage needs. Please reach out to me direct at (949) 842-3384 or email me at to connect and discuss your financial need


Loan Officer
NMLS License # 322412
DRE License # 01021345
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Jeff Buffington is a VP of Mortgage Lending at Patriot Pacific Financial. As an active member of the community since 1989 I have been able to raise a family and enjoy the well maintained growth that Temecula Valley provides. I have been originating loans in California since 1987 after graduating from Cal State Northridge with a BA degree in Psychology. I moved to the Temecula Valley as a Loan Officer, to open a mortgage branch in 1989, and never looked back. With over $1,000,000,000 in funded loans, in 34 years, I am well versed in most Mortgage programs specializing in FHA, VA, Conventional, Jumbo and First Time Home Buyer loans . One of the reasons I joined Patriot Pacific Financial was the enormous amount of products we can offer and the relationships that have been created with over 50 different Lending Partners. Being a Broker allows me to shop your rate with multiple lending sources that compete for your business. This saves an enormous amount of time and you never have to start the process over, should an Underwriter have a difference of opinion. Their innovative loan programs and rate pricing model make it not only the most efficient but also the most cost effective way to shop for a Mortgage when you’re purchasing or refinancing a home.  I look forward to speaking with you soon. Cell (951)-743-1040 email


Loan Officer, US Army Veteran
NMLS License # 1572975
DRE License # 02084405
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Javier served in the US Army, securing an Honorable Discharge from Service at the young age of 26. Having experienced military life, he has a soft spot for fellow Veterans as they embark on the journey of homeownership. Javier’s specialty is the VA loan. He is an avid Advocate for homeownership in the military community and has dedicated himself to know and understand the VA home loan program to serve Clients at the highest levels of competence. Javier feels it’scritical to work on building relationships that last, not just with fellow Team members at the Company, but with Referral Partners and Clients. Married for over 7 years, Javier makes his home in Menifee CA with wife Jesse, 1 yr old daughter Olivia and 4 year old son Maddox. One of his favorite ways to disengage from the business is riding dirt bikes with his son. Whether you’re looking to purchase or refinance your home, VA or not, you can expect personal, hands-on, top level service from Javier.

Jamaal Sabree

Loan Officer
NMLS License # 1991781
DRE License # 02027465
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As a Mortgage Loan Officer, I am committed to helping individuals and families
achieve their homeownership dreams. Growing up in a military household, I
learned the value of hard work and dedication, and I bring these values to every
client I work with.
With over 7 years of experience in the real estate and mortgage industry, I have
the knowledge and expertise to guide clients through the complex process of
securing a mortgage loan. Whether you are a first-time homebuyer or looking to
refinance your existing mortgage, I am here to provide personalized support and
I am passionate about helping clients find the right mortgage loan to fit their
needs and budget, and I pride myself on being available to answer any questions
or concerns they may have. I am dedicated to providing exceptional customer
service and ensuring a smooth and successful loan process for all of my clients.
If you are ready to take the next step towards homeownership, I am here to help
you every step of the way. Contact me today to learn more about the mortgage
loan options available to you.

Jamon Nester

Loan Officer
NMLS License # 881786
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I was born and raised in Southern CA but moved to AZ in 1992 to go to college at ASU. Having graduated with Business major in 1996 I stuck around. One of my College buddies had a brother who was doing extremely well in the Mortgage business back in CA and I was intrigued.  My dad is an Investment Banker and so I had dabbled in Securities but didn’t like that side of things. Finally after much probing, got into the Mortgage business in 1998.  In 2008 my daughter was born, and I’ve raised her by myself since then, into a wonderful young lady.  As far as hobbies and such, I have played professional Golf [tournaments and all] amongst other Sports and coached Baseball, Golf and Soccer. In my spare time over the years I became really good at Web development and Online marketing as well. I am looking forward to serving my Clients with great loan options at Patriot Pacific.


Jim Ferreyra

Loan Officer
NMLS License # 935141
DRE License # 01764205
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Having the right Mortgage Consultant means having someone who is committed to helping you purchase or refinance your home with the highest level of expertise. This means also to help you in understanding each step of the Loan process. This commitment level has helped me build a remarkable track record of delivering results.

Nothing is more exciting to me than the gratifying feeling I get from helping people meet their lending needs. You can count on me to always do what’s in your best interest. I pride myself on being honest, trustworthy, and knowledgeable in the Lending Industry. Therefore I will make it my responsibility to help you get a great loan.

Specialties: Outstanding Service

Jed Bratt

Loan Officer, US Navy Veteran
NMLS License # 1958205
DRE License # 01891062
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Jed Bratt, [CA Real Estate Broker & 8-year Navy Veteran] has been serving in the Real Estate space since 2009. Shortly after purchasing his first property (duplex) with his VA Loan, he became a licensed agent to assist fellow servicemembers in utilizing their VA Loans to acquire units.

During the course of acquiring his first few properties, he encountered insurmountable obstacles with several loan officers when attempting to finance additional properties.  Through a referral from a colleague, Jed met Charles who did what other lenders said was impossible and secured financing for 2 additional units.


Experiencing the contrast between complacent lenders and a consummate, problem-solving professional, Jed understands the importance of having the right lender on your side.


As a Loan Officer, Jed brings with him 12 years of Real Estate experience on the sales and investments side, earned through personal and clientele scenarios over several hundred transactions.


When not working on loans or real estate, he’s likely out with his Wife and Daughter, flying a plane or practicing Jiu Jitsu.


Whether you’re looking for a VA Loan, a refinance or any other loan product, Jed’s got you covered.


Video / Audio Technician

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My passion for the arts and in particular film and video started at an early age. During high school and college I got myself involved in everything from theatre to orchestra and finally ended up attending Columbia College Chicago’s film and video program. Since then I continued to hone my skills and challenge myself creatively with film projects and commercial video, photography and visual arts exhibitions, playing keyboard and cello at church, and writing screenplays. Joining the team at Patriot Pacific has been a great blessing. I get to work the with the funnest and yet most professional go-getter’s in the business, and I am able to use and hone my creative and technical skills to help Lenders, Realtors, and Buyers create community and business. Seeing the end result- families happy in their homes is always heartwarming, and it’s an added blessing when I see Veterans and Service members get the most from their well-deserved benefits.


Loan Officer
NMLS License # 246763
DRE License # 01411989
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Having been in the mortgage business since 2000, Justin Grable has extensive experience in the industry which has landed him on the list of the top 1% mortgage originators in America year after year. Previously, he owned a real estate office as well, adding even more expertise to his skillset. Committed to his clients, he makes himself constantly available anytime day or night. What sets Justin apart from others in the industry is his truly open availability. “I don’t have working hours, my cell phone is always on, and if I’m awake, then I’m working,” he says. “When clients or Realtors call me, they know I’m going to answer my phone.” He genuinely understands how important this transaction is to everyone involved, and he wants to make it is as smooth as possible. “The best thing to mitigate issues and frustration is with communication and always working together to get through any obstacles. Those are the two things that create a smooth transaction, communication and teamwork!” Justin is constantly working, but he makes sure to stay involved in the community. He donates monthly to the Front Row Foundation, which helps people with serious illnesses fulfill their dreams of seeing a show, concert or game in the front row as well as a few other local charities here in the Valley. Justin has lived in the Temecula Valley since 2003, has a beautiful fun-loving family, who keep him busy. But he loves the movies, golf and CrossFit in his spare time.


Loan Officer
NMLS License # 326963
DRE License # 01244698
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Joey has been in the residential Mortgage business since 1997, thus vast bringing vast experience to your home loan. He prides himself in tackling tough situations and findings ways to make things work. His skill is creatively thinking outside the box to make it happen.


Head of Operations, Snr Loan Officer
NMLS License # 1202711
DRE License # 02085797
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“My success is directly determined by how committed I am to helping others become successful.” – Kathy Lee Quach I have devoted most of my professional career to helping people achieve their success goals. With over 20 years of experience in the mortgage and real estate industry, I have worn many hats – loan processor/coordinator, strategist/marketer, and manager – I understand what it takes to successfully close a real estate transaction. I aim to provide my clients with a more personalized and streamlined experience throughout their homebuying journey. My team is able to process and structure to numerous investors, which means we have access to a wide variety of loan options to fit each client’s needs and goals. Specializing in residential purchases, we’re engineered to close purchase transactions in 10-30 days. We are also equipped to help with the refinance of your home, closing in typically 3-4 weeks. I am blessed to work with such a caring team dedicated to helping our clients achieve their financial goals.


Correspondent Division Manager
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I started in processing mortgage loans back in 1997 for a San Diego based Commercial Real Estate Company and shortly thereafter moved to Residential Lending. Ten years on, (in 2007) I took a break from Loan processing for about a year, working instead as an Escrow officer. It didn’t take long to realize my heart was in the challenges and rewards of residential home loans and so I returned to processing. My skill and experience now enable me to work closely with Underwriters, Borrowers and Loan Originators to make the dream of homeownership come true for many. It’s rare to find someone who shares my passion for the mortgage industry, but in Charles Vamadeva and the Team at Patriot Pacific Financial Corp I’ve been blessed to do so. I am a proud mom of 5, and enjoy VA home loans the most, as I have two sons who Served in the Military. Helping veterans is one of the many ways I get to give back to our service men and women. I look forward to helping you get your home loan to completion.


Loan Processor</br>

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I attended San Diego State University and earned a degree in business administration with an emphasis in financial services in 2009. After graduation I became a sales manager for two years then switched to banking in 2011. I entered the mortgage banking field in January 2016, after being a stay at home mother for two years. I joined the team of Charles Vamadeva in August 2016. Before working with Charles, my husband, who serves in the United States Navy, and I were Charles’s clients. With the help of Charles and his team, my husband and I were able to purchase our very first home. The process was very smooth and we were able to close on our home in less than 30 days. Having been through the process, I understand how important it is to have a loan officer who is very knowledgeable and passionate about helping others, and is available to answers your questions thoroughly and guide you in the right direction, and that is what Charles has done for me and so many others, and many more to come. Now, being a part of the team, I am able to help other veterans and active duty military achieve the dream of homeownership and it is beyond rewarding to be able to help serve those who serve our country.

Liz Serratt

Loan Officer
NMLS License # 2239196
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My career in the industry began as a realtor. The experience gave me invaluable insight to all sides of the pursuit of homeownership.  I quickly developed a passion for helping homeowners reach their goals of not only homeownership, but financial stability. As a loan officer, I believe strongly that it is not only my duty to provide excellent service to my clients, but to also educate them through every step of the process so that they can make the best decisions possible. I aim to offer solutions to borrowers from all walks of life. I pride myself on providing the highest level of service to ensure the best possible mortgage experience now and as your mortgage professional for life. Being a mama of two gorgeous little girls, I know first-hand how important it is to create financial freedom, and I look forward to being a great adviser and partner along this journey with you!


Loan Officer, USMC Veteran
NMLS License # 2005833
DRE License # 02007979
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Marco Ramos is an experienced home mortgage professional with a successful career of over six years in real estate sales, which now allows him to better serve and guide his clients and real estate partners. Marco focuses on educating his clients before and during the process while finding them the best fit for loan program that suits their needs. Though his specialty is in residential mortgages, he is familiar with an array of lending products and is constantly attending educational conferences and training workshops to better serve his clientele and provide five-star customer service. Marco is a U.S. Marine Corps veteran with 13 years of honorable service to his country and continues to serve his community in financial education and homeownership. With a Hispanic background, Marco is fluent in both English and Spanish, extending this outreach services. Outside of the office, Marco likes to spend time with his family and friends, travel and making new experiences and memories. He is adventures and can be found Jumping out of airplanes, navigating a sailboat or ride the waves at the beach.

Marcus Hinojosa

Loan Officer
NMLS License # 667570
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Marcus has been married nearly 30 years with his wife Sandra. Together raising 3 amazing children, Miranda, Marcus Adam and Ryan and now enjoying two beautiful grandchildren in their hometown of Tucson, Arizona.  


Since 1990 Marcus Hinojosa has served his communities with exceptional customer service in the home mortgage industry. His career began in California working for a Real Estate and Mortgage Broker where coaching and high touch customer service was the foundation of every deal. 


In the beginning of Marcus’ mortgage career, he specialized in serving first-time homebuyers with emphasis in manual underwriting requirements for FHA and VA homebuyers. Over the past 30 years, Marcus used his mortgage and real estate experiences as a self-taught real estate investor. Today, he shares his knowledge to new and seasoned real estate investors to scale their residential and multi-family rental portfolios from 1 unit to 100 units.

Michael Stelter

Loan Officer, USMC Veteran
NMLS License # 2092966
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Michael Stelter is an experienced Mortgage Loan Officer. Driven by his passion for helping veterans, he takes pride in providing the best service possible. As a Marine Corps Veteran himself, he entered the mortgage industry after two brokers helped him discover that home ownership was possible for him, and he decided to pursue a career helping others follow the same path. Outside of work, Michael loves fishing and spending time with his two sons.


Loan Officer. USMC Veteran
NMLS License # 2089283
DRE License # 02008110
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Maurice Watkins [1st Sergeant] retired from the US Marine Corps in 2019 after faithfully serving for 22 1/2 years. His postings included a deployment to Iraq following orders to Marine Wing Headquarters squadron 3rd Marine Air Wing for duty as the Supply Chief. For 3 of those years in the USMC GySgt Watkins spent time at the Marine Corps University Staff academy, becoming an instructor at the Career Course and the SNCOIC of the Corporal’s course. During this time Maurice honed his skills as a Presenter, Instructor and Teacher. . .traits that have come to serve him well in his Real Estate career post-Military service. Maurice has carried over into Real estate and Lending, his passion to empower and equip people using sound education and success principles. When he’s not teaching Classes to Service Members, Maurice is busy leading a Team of Agents who serve buyers and sellers, as well as structuring home loans for buyers as an NMLS licensed Loan Officer. Although VA home loans are his passion and specialty, Maurice can assist buyers with all types of home financing.


Processing Assistant


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I am new to the mortgage industry and currently assist processing all types of home loans with our senior processors. Previously, I was working in customer service as a restaurant server, and it was nice, but I wanted to start a new chapter in my life before things got too repetitive. I am so happy to be working on Charles’ team because I get the opportunity to gain experience and knowledge while working with all sectors of the industry such as lenders, escrow, and of course, our loan officers and processors. I have already learned so much in the short amount of time that I have been with Patriot Pacific and I am extremely grateful to be part of this incredibly hardworking team!

 Nick Swizek

Loan Officer
NMLS License # 2263370
DRE License # 02104377
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 Nick Swizek is a Southern California Native playing baseball and graduating from Biola University with a degree in Economics. Nick began in Real estate back in 2019 then transitioned to loan origination in 2021 where he enjoys taking on difficult scenarios and making them easy for his borrowers. Nick is involved in his church Faith world Harvest Church and enjoys playing Golf, Pickleball, and Lifting weights when he is not originating loans. Whether you are looking to purchase a home or refinance, Nick will always give you the hands on approach that is necessary

Patrick Sell

Loan Officer
NMLS License # 338573
DRE License # 01403410
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Patrick has over 19 years in the mortgage business and has been a producing Branch Manager, Sales Manager, Operations Manager, Production Manager, Realtor and Loan Instructor.  Ranked in the Scotsman Guide top 1% for refinances in 2021 and in the top 200 loan officers in the USA for the past six years on (formerly Social Survey) in 5-star ratings. “The Loan Professor” is a Dean’s List Graduate of a Top 20 Business College with over a thousand funded purchase, refinance, and 2nd mortgage transactions under his belt.  Many local Business Associates, Tax Preparers, Realtors, and fellow Loan Officers have used Patrick for their mortgage needs. 

Phil Mastroianni

Loan Officer
NMLS License # 2141541
DRE License # 02141890
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Phil Mastroianni is a Mortgage Loan Officer and REALTOR with over 15 years of experience in the real estate industry. He specializes in helping first time home buyers, as well as VA buyers, through navigating the home buying or selling process with professionalism, responsiveness, and attentiveness. With his unique combination of mortgage and real estate experience, he is passionate about using his industry knowledge to guide his clients to success. In addition to this, Phil has extensive marketing background, which helps him create successful real estate strategies and offer an educational podcast to first-time homebuyers to help them understand the complex real estate landscape. Phil is committed to helping his clients achieve their real estate goals and is dedicated to making the buying and selling process as smooth and hassle-free as possible.
First Time Home Buyer Podcast:
Direct Cell: (949) 357-5029


Loan Officer, USMC Veteran
NMLS License # 2008056
DRE License # 02096459
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I’m Renaldo Wilson, an active-duty U.S. Marine, Realtor, and Mortgage Loan Officer. I joined the Marine Corps in 2007 and have loved every aspect of the Marine Corps. In 2019, I started my path as a Realtor with a fiery passion for helping others become homeowners. I have the drive to help assist my clients in all aspects of the home buying experience. To fulfill my passion for helping my clients in all aspects of home buying, I decided to become a Mortgage Loan Originator and started working for Patriot Pacific Financial Corp under Charles Vamadeva’s guidance in 2020. My journey has just begun. I am here to serve my community and clients by making them the main priority. I am very passionate about my clients and making sure their experience is stress-free. As I continue to serve my country with the Marine Corps, I also look forward to serving my local community with all your real estate needs. .Let me help you get the message (YOUR LOAN HAS BEEN FUNDED).


Loan Officer
NMLS License # 346869
DRE License # 01429034
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Ron Chapman grew up in Southern California. He has been married 25 years to Kelly, his wife, and together they have four beautiful children, two boys, and two girls. When he is not structuring his clients’ perfect loan, Ron is attending sporting events with his family, playing golf, or camping and fishing. Ron and his family are actively involved in their local church and community. Ron started in the mortgage industry in 1999 and fondly remembered his first mortgage transaction. The transaction was a refinance on a double-wide mobile home for a watermelon farmer. The loan amount was under $50,000; we reduced his interest rate by over 5%. The client was so grateful, and he let me choose any watermelon from his farm”. I realized at that moment I have the opportunity to change people’s financial lives. Ron Chapman helps clients with all home financing goals. Hisdedication to his clients is unparalleled, with superior customer service and great interest rates. He focuses on assisting consumers in choosing the right loan program for their lifestyles. He strives to make sure his homebuyers are comfortable with their new home purchase and fully understand the mortgage transaction processes. Experience, integrity, responsiveness, and the genuine desire to help clients are reasons Ron Chapman stands out. Feel free to contact him anytime to discuss borrowing options.


Loan Officer
NMLS License # 975289
DRE License # 01435848
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Samara Gonzalez has been a mortgage and loan professional since 2004. She has a huge passion for making people’s dreams come true and providing knowledge and guidance to her clients. She is bilingual in Spanish and English and cares deeply for the Hispanic community. When Samara is not working, she loves spending quality time with her husband, Luis. They have been married for 6 years and enjoy traveling, decadent food and wine, and spending time with friends at the wineries. Samara has 2 lovely sons, Julio and Jorge.Samaras successful career in the mortgage industry has been attributed to her loyalty, her dedication to providing the best options for her clients, and ensures everything goes smoothly for her customers so they can enjoy their dream home.The financial aspects of home buying can be very stressful and overwhelming, but they don’t have to be, not with a trained and caring professional like Samara by your side.


Loan Officer
NMLS License # 317824
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In the mortgage industry I found my calling almost 20 years ago to serve my community, and I thoroughly love what I do “Help people to get the right financing to buy their dream property”. I’m Originally from Colombia, married to my high school sweetheart, father of 2 amazing people and devoted to my faith. A trustworthy, knowledgeable, and highly skilled professional with a diverse cultural background and a strong disposition of service. My passion and joy are to assist my community achieve their financial and real estate goals & build generational wealth. I add value to my clients through education, accountability, financial counseling, creative solutions and customized Mortgage Planning that empowers them to move forward with clarity, confidence and a sense of abundance and security. I utilize a holistic approach establishing thriving relationships and working closely with all parties involved throughout the entire transaction, adding depth to my comprehensive knowledge of the mortgage lending industry enabling me to work all the loan details to a satisfying conclusion in a calm and focused manner. A few years ago, The Lujan Group was built around two ideas: Give our clients some of the lowest rates/fees and provide the highest level of customer service during the purchase or refinance transaction. We specialize in personalized service offering the best financing solutions for our client’s needs, always succeeding in the most challenging situations. We are committed to contribute to our client’s growth, furthering their goals and legacy while protecting the assets of our investors. We believe that opportunity is present regardless of market conditions and that due diligence paired with keen underwriting will allow both our borrowers and investors to further their aspirations. We understand that it requires commitment and disciplined work to succeed and we deeply value our partnerships.


Loan Processor


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Coming soon.


Loan Officer
NMLS License # 606100
DRE License # 02161928
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I have a genuine heartfelt passion and strong desire to help people who feel that their dream of homeownership is far and lost. With my strong faith in God and my knowledge I know that I can bring encouragement & hope to others and help make their dreams a reality. With 14 years of banking and lending experience I discovered that my passion and my joy is helping others achieve their financial and real estate goals, I have been able to provide creative solutions for the most challenging situations. I value the relationships that come out of this more than anything. I have the passion and drive to make things happen. I understand and value how important this big milestone in your life is and it brings me great joy to be a part of this momentous time in your life and I hope to earn the opportunity and trust to serve you.

Scot Foss

Loan Officer
NMLS License # 2045931
DRE License # 01251940
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I started my career as a Realtor in the Santa Ynez Valley, California and for 20 years have been involved in all aspects of the business.  I’ve held various positions with the Association of Realtors, including President.  The buyers and sellers I’ve worked with come from all walks of life and the properties I’ve sold range from large ranches to small, single-family homes.  Working as a mortgage loan originator and having the knowledge I’ve accumulated as a Realtor enables me to provide borrowers with a complete and broad understanding of what they can expect in the loan process.  I work closely with each client, emphasizing timely and frequent communication, to ensure that their loan experience is thorough and fully represented throughout.   

Fun fact:  my first career, years ago, was in the Country Music industry.  My three brothers and I formed a band, Zaca Creek, and released three albums, one of which was under the CBS/Sony label.  We also released six music videos, three of them self-produced and directed.  The band toured the country in support of these albums and videos, and Farm Aid was one of the most fun! 

My wife, Jill (also in the mortgage business) and I have two adult children, Gavin and Camryn, and a very large, red-tri Australian Shepherd named Moose.




Shantill Castro

Loan Officer
NMLS License # 2147266
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I have been married for 11 years to my husband Alfred. Together, we share four beautiful daughters Cassandra, Carissa, Kynadee, and Hayden. Born and raised in California, we recently relocated to East Tennessee to start a new journey.


I started in the mortgage industry as a loan processor in 1999-2007 and quickly discovered my passion for this industry and helping others obtain the American Dream. Today, my passion and excitement remain, and I am excited to provide you with exceptional customer service and guidance through your home purchasing experience. I pride myself in critical thinking, keen attention to detail, and getting the job done!

Sharilyn Snow

Loan Officer
NMLS License # 320999
DRE License # 01412494
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My name is Sharilyn Helen Snow.
I am an experienced Loan Originator
I started my career in the industry at 18 working for a local Credit Union. I gained a lot of knowledge by working in all areas of the banking industry. From a Bank Teller to Branch Service Officer handling all the tasks required to run an entire Branch Office. I moved over to electronic Service Department and furthered my knowledge learning how financial institutions are networked. I stood in front of Electronic Operations Panel Board on Y2K when the clock struck 12am. Unfortunately for some, the ATM Machines did not spit out $20 bills randomly. I will never forget Y2k I made overtime that night.
I attended an Omega Lending Class and completed it at the top of my class. My last 2 years were dedicated to Loan Origination. I knew my talent could earn me more success and income. At this point I had my third child with my husband of 11 years. I resigned in 2001 from the Credit Union and started a career working my way up to the top. I opened my own Office and started coaching Loan Originators and managing staff.
Here I am 21 years later living out my dreams and working for Patriot Pacific Financial Co. I am blessed to have the ability to offer the most competitive rates and expediential Service A company who cares for all our clients and pays it forward to our Veterans who serve and have served our Country.