Brad Livingston founded Residential Wholesale Mortgage, Inc. (RWMI) in 1993, in Del Mar, California.  The company is a full service community mortgage banker that originates, underwrites, funds, and sells residential mortgage notes on the secondary market.  RWMI is a Full Eagle FHA lender that offers conventional, jumbo, and government loans.  They also offer Reverse Annuity mortgages, second trust deeds, home equity lines of credit, construction loans, and have their own commercial division as well.  Annual Loan volume exceeds $340 million per year and RWMI is currently funding approximately 80% of that total volume in house.

As president of RWMI, Brad continues to be a top loan producer.  With over 30 years of continuing experience in real estate development and finance, he excels in helping clients structure their transactions in a manner that best suits their goals.  He understands the underwriting guidelines and can underwrite even the most difficult self-employed tax returns.  Brad manages all aspects of the business, from warehouse negotiations to overseeing pipeline volume to working closely with correspondents concerning underwriting and post closing issues. 

License Number: 00936592

Susanne Livingston became a licensed Real Estate Agent in 1983 after graduating from UCLA.  Before working in the lending industry, Susanne was employed by a coastal real estate Broker specialist in Orange County.  She later moved to San Diego, and became a part of R&B Enterprises leasing team, responsible for renting out hundreds of apartments.  In 1986, she was hired as a Wholesale Account Representative by Imperial Bank Mortgage, where she worked for eight years.  During this time, the new division flourished and Susanne structured and pre-underwrote files for her clients.  At the same time she furthered her education by becoming a California Real Estate Broker.  Susanne left the wholesale arena in 1996, because she was frustrated by her inability to affect her clients' files.  She hated the fact that, "As the Bank grew the corporate culture proved ineffective in helping provide solutions for borrowers."  Susanne made the move to join her husband at Residential Wholesale Mortgage, Inc. (RWMI), which he established in 1994.

Over the last 13 years, RWMI has grown from a small loan brokerage shop into "California's Premier Direct Lender" with the ability to process, underwrite, and fund its loans- maintaining local control.  RWMI funds over 300 million in loans per year. Susanne feels this gives RWMI a significant edge over the competition; "being a banker and broker gives my clients the best of all mortgage options. Rather than being stuck with one lending institution, I can offer an unlimited variety of products!" Susanne's wide background in real estate compliments her lending experience and enables her to structure her client's files in the most efficient & advantageous manner possible.

License Number: 00977590

Paul Ambrogio has been licensed over 20 years and his business is 100% referral. He prides himself on honesty and integrity and never forgets that his clients are people with needs - not a loan number. He treats each transaction as if it were his own. Paul originates purchase and refinance mortgages throughout California for primary residences, second homes and investment properties. He offers FHA, VA, conventional, jumbo, and super jumbo loan programs.

Paul's approach has resulted in an excellent track record. He was consistently a top producer at America West Mortgage, My Real Estate and Mortgage Company, and now  at Residential Wholesale Mortgage, Inc. Amid a turbulent industry in 2009, Paul still reached the company's highest bonus tier by the third quarter.

With Paul's thorough product knowledge, supported by an in-house mortgage banking division, plus thirty lenders to broker to, Paul has several options when when identifying the best loan for your needs. And to help you lock in the lowest rate, Paul utilizes a real-time ticker that charts mortgage backed securities, what's moving the markets and why, and has a software system that simultaneously compares pricing and underwriting guidelines of all his lending sources.

"Paul, it was my pleasure to have met you. I know I now have a good, reliable friend in the business world."
Romina Tehrani, client

Tim Haas obtained his California Real Estate License in 1977 while working as a school teacher for San Diego Unified. He has always had a strong interest in the real estate industry, through his own involvement purchasing and selling properties. Deciding that he needed to make a career change, he left the teaching profession, to enter the world of real estate financing. He has worked in both the Savings & Loan industry, and also in Mortgage Brokerage houses.  Tim has consistently been one of Residential Wholesale Mortgage's top producers since joining the team back in 1996. Relationship driven, he maintains complete and thorough communications with his borrowers during and after the transaction. He is available to his clients 7 days a week, long after their real estate transaction has closed to answer any questions they may have.

As a direct lender, Residential Wholesale Mortgage, Inc. funds over 300 million dollars per year. Having the capability to broker loans, he feels that this gives his clients the best of all worlds. Tim's extensive background in real estate lending enables him to structure your file in the most efficient and advantageous manner possible.

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Olivia Figuered is a Senior Loan Officer with Residential Wholesale Mortgage, Inc., and has been in the lending and finance industry for the last 14 years. Olivia joined Residential Wholesale Mortgage following a 13-year career with Bank of America where she worked as a VP and Premier Client Manager assisting her clients with a wide array of financial services from lending to full financial planning. It was here where she consistently excelled as a top performer across the nation. Olivia has always attributed her success to the genuine and reliable service she delivers to her clients.  She believes that it is the trust she instills and the service she consistently provides that sets her apart and keeps her clients coming back again and again.

Being a part of Residential Wholesale Mortgage enables Olivia to offer her clients the same great service she has always provided, but now also has the flexibility to choose from a variety of lenders to best meet her clients’ needs.

Olivia’s financial background enables her to look at her client’s unique situations and offer them the best catered solutions and sound financial guidance. She welcomes and looks forward to earning the continued confidence and business from previous and new clients.

Anna Cotton is a Senior Loan Officer with Residential Wholesale Mortgage, Inc. (RWM), and has been in the mortgage industry since l984.  She initially worked for ten years with Bank of America as a Preferred Banker/Loan Officer, specializing in self employed individuals and analyzing complicated tax returns. Anna was among a select few chosen by Bank of America for advanced training in order to service and address the needs of more complex customers such as high net worth individuals and independent business operators. She knows how to think outside the box. Anna continues to serve a very diverse and unique client base.

In 1994, Anna left Bank of America and joined a Direct Lender and Mortgage Broker. Through her affiliation with RWM Anna can now offer her clients an unlimited range of real estate loan products that better meet her client’s very personal needs.  “At the end of the day, it’s all about the relationships,” says Anna, who continues to take the time to really listen to her clients, and put together the very best proposal that is available in the market.  Experience has taught Anna that no two clients, or their situations, are alike, and that every client deserves to be treated with the utmost care and dignity.  Anna’s career has been and will continue to be built on this philosophy.

Cheryl obtained her BA in Finance from NMSU. She has been the Vice President of Residential Wholesale Mortgage, Inc. since 1993.

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Ed Badrak

With more than 20 years experience in top executive level positions within the banking industry, Steven brings a solid financial background to every endeavor. His expertise lies in identifying people's talents and capitalizing on them to create a mutually beneficial relationship while expanding the strength and value of the team. Steven believes his successes are based on more than just finding out what people are capable of doing, but instead identifying what they love to do, and creating the opportunity to transform that into a lucrative career.

In the early 1980's, Steven successfully grew a Mortgage Brokerage company from $3 million in monthly production to $35 million in as little as 18 months. As Executive Vice President of a San Diego based Mortgage Bank for more than 10 years, he was instrumental in developing a reproducible marketing campaign and referral program, as well as formal Loan Officer training school. His consistent improvements lead to increasing annual sales from $50 million to $600 million in only two short years. Steven currently holds a Department of Real Estate Broker's License with Residential Wholesale Mortgage.

He has proven himself an authority on researching new opportunities and methods to increase productivity while reducing operational expenses. Steven can not only identify a need, he is then able to develop the necessary systems and bring together the best talent to support his vision. In 2004, Steven founded Absolute Results consulting company and continues to develop new business initiatives using innovative approaches to filling the needs of his clients.

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John Martin began his mortgage lending career in 2004, after serving 22 years in the United States Marine Corps. Soon after John purchased his first residence, he felt compelled to help others experience the excitement of purchasing a new home. Since that time, John and his team have helped countless homebuyers achieve their dreams by helping them secure VA, FHA and conventional home loans.

Krystle Moore is a native San Diegan with over 8 years experience in commercial financing. In 2003, she founded California Funding where she funded over a quarter billion dollars of real estate loans from 2003 to 2006. As Founder and President of California Funding, Krystle had the opportunity to originate every aspect of commercial real estate property types including multifamily, retail, industrial, office, special-use, condo conversions, and construction.

In late 2006, she accepted a position with Washington Mutual in San Francisco as a Senior Loan Consultant in the Commercial Real Estate department. When Washington Mutual was purchased by Chase, Krystle moved back to San Diego and decided having the ability to secure financing with several different lenders was the most beneficial for her clients in this turbulent market. She then made the decision to join RWM.

Krystle has had the opportunity to work with many of San Diego’s largest real estate investors. Even in this market, she has secured financing for multifamily and commercial properties. She has developed close working relationships with local and national lenders, real estate brokers, and investors. 

http://www.rwmcommercial.com/

Debbie Morrell has been with RWMI for five years and has over 25 years of award-winning loan origination experience.  Her in-depth knowledge of conventional and government loan originations, really supports clients needs. She also is experienced in commercial and construction lending.

Over the years Debbie has developed a solid base of previous clients over the years who lean on her to assist with purchases, refinances and construction loans.  No loan is too small or too large for Debbie to tackle.  She does extensive research on each and every loan to ensure her client receives the most competitive financing package with superior service.

Debbie has attended numerous industry seminars and is CalVet certified.

Debbie has resided in Carmel Valley since 1986 and is pleased to assist her clients with their financing throughout the state.

After more than 25 successful years as a loan officer, Debbie still enjoys the diversity of working with many of our local award-winning real estate agents and can't see herself doing anything else!

DRE License Number: 00996857 NMLS: 244938

Here is what one happy customer had to say recently,

As part of the Residential Wholesale Mortgage, Inc. team, Jeff can deliver to his clients the best rates and loan programs from RWM's local, state and national mortgage banking and brokerage relationships.  This is much better than the single set of loans offered by a walk in visit to a branch of a large bank.

Experience: 35 years in real estate and finance, 8 years as a CPA.
Education: BA, Economics, Stanford University. MBA, San Diego State University.

Client testimonial: C. Medina and S. Olow ($1,012,000 loan) wrote "...your 35 years experience made the difference... you limited our personal time... we always knew what was happening... you were persistent with lenders... you attended the loan document signing... are superior to any loan person..."

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Sue Sorrento-Larson has been in the lending industry for over 10 years. Her outstanding ability to understand client’s needs and to listen to client’s wishes is bolstered by 30 years of experience in customer service! Her excellent communication skills and genuine concern for her clients has made her a huge success in every career she has tackled. She thrives on achieving results for the most formidable of loan scenarios and is extremely detail-oriented. Committed to her clients’ financial well-being, she ensures that they understand their options and that they are in a position to make well-informed decisions. Her effectiveness as a communicator assures that both her realtor/partners, as well as, her clients are constantly apprised of their loan progress throughout the entire transaction. She empowers her borrowers by providing them with information so that they no longer feel intimidated by the “lending maze.” By the time they are signing their loan documents, they have had all their questions answered and are knowledgeable in their loan scenarios. Sue consistently proved herself as a top producer during her tenure with Signature Funding and, later, with Sunset Coast Capital Lending in San Diego. Because of her dedication, unending patience, and ethical lending practices, she continues to grow her business through loyal repeat clients, referrals, and her partnerships with top-producing realtors.

Sue has lived in North County San Diego for over 25 years. Her husband, Steve, a former teacher and administrator, is employed as a trainer by the Santa Ana Unified School District. Her daughter, Carrie, joined forces with her several years ago and now works in the lending industry as well.

Sue is pleased to be on board with Residential Wholesale Mortgage, Inc. offering an in-depth knowledge of conventional, FHA and VA government loans as well as experience in both the commercial and construction arenas.

Direct Phone: 760-533-9291

TESTIMONIALS

"Sue Sorrento-Larson is the only person we would ever use to handle our mortgages. Her honesty, understanding of loans and her patience in working with us to understand which one is best for us, makes her an invaluable and crucial part of our home purchases.  I value her so much I have referred her to my family and my clients.  That says it all.  I trust her for my purchases myself and for my clients purchases."

Robert Mercer and Carol Chanel, Santa Monica, CA

“Working with Sue was the best decision we made when purchasing our first home.  She was patient, explained everything in a way that we could understand, and was always available when we had questions.  This made navigating a scary process so much easier.  We were so pleased with the first time that we went back to Sue when we bought our second home.”

Don and Rebecca Thompson, San Clemente, CA

I have been in residential lending for the past twenty two years. I graduated from San Diego State in 1982 with a degree in Business Administration with an emphasis in Marketing. Excelling in the financial courses led me into lending. I have learned and operated almost every facet of the business. Managing a branch, processing, underwriting, typing loan documents and of course working directly with each and every one of my clients directly.

My specialty is in the self-employed, rather complex borrower and these tend to usually be jumbo loans. I pride myself on excellent customer service and great attention to detail. My marketing has always been word of mouth from many satisfied customers. I truly love the lending business and my clients.

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