Photo of James Edwards

James Edwards

CEO / Mortgage Banker / NMLS # 206740

I am the CEO here at Ocean Lending. I’ve dedicated 19 years of my life to helping people make one of the most important decisions of their lives. Every process is different but every outcome should be the same. You should be happy, stress free, and leave feeling satisfied with your service. That is what I am…

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Dan Bray

President / Mortgage Banker / NMLS #222131

I am the President at Ocean Lending and have been in the mortgage business for 19 years. I believe that offering the most competitive mortgage programs and rates is only one part of the equation. You also need a lender who picks up the phone when you need him, who honors commitments, and who works tirelessly to…

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Carina Williams

Operations and Processing Manager

Carina is the Operations and Processing manager at Ocean Lending. With fifteen years in the business, she is highly knowledgeable of the industry and has helped thousands of people complete their financing process. Carina is a strong support professional, assisting all areas of processing, pre-underwriting, docs, and funding. She is a skilled, task driven individual…

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Alexis Bennet

Loan Processor

Alexis has been in the mortgage industry for over seven years. She is detail oriented and known for excellent customer service. She enjoys working with customers and helping them throughout the entire loan process.

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Mike Deherrera

Client Relations Manager / NMLS #1818078

Mike has spent 20 years in the mortgage business and the last six years specializing in reverse mortgages. Dealing with reverse mortgage clients is very rewarding to him. He enjoys sharing the knowledge he has gained over this time with his clients so they can make a sound financial decision based on facts and not…

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Jenny Escota

Client Relations Coordinator / NMLS #1794050

Jenny Escota has previously worked as a loan processing assistant and then used to order services: Title and appraisals. She also has worked in appraisals as a Review Analyst. She enjoys talking to people and helping them out.

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Dennis Keithly

Loan Officer / NMLS #1010315

Dennis Keithly has been doing mortgages for about 15 years, and his specialty is the Home Equity Conversion Mortgage or HECM. He is a senior helping seniors. He prides himself on consultative selling, understanding and putting the borrower in the best loan that they qualify for. He enjoys working with people and putting them in…

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Richard Hillman

Loan Officer / NMLS #198101

Richard has been in the mortgage industry for over 20 years. He is always interested in doing the best possible job for his clients while concentrating on their needs, making sure they understand what it is they would like to accomplish while following through with performance and of course complete satisfaction. He enjoys helping people…

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Ron Neria

Client Relations Manager / NMLS #1572970

Ron's primary focus as a mortgage loan officer for over ten years has always been to help customers find the best program available to them. He prides himself on the ability to provide consumers with information and options available to help them qualify now or in the future. Ron's skills and expertise make him the…

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Shelly Basta

Loan Officer / NMLS #332714

Shelly Basta is a professional mortgage banker with 30 years’ experience. She provides leadership and vision that continues to facilitate growth even in this challenging financial market. As a top producing licensed loan officer, Shelly is recognized as a top mortgage originator in Orange County, California. She is considered a specialist in the industry and…

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Benjamin Rollins

Loan Officer / NMLS #1022525

Benjamin James Rollins was born and raised on Maui, Hawaii till age 13 when his Mom relocated their Ohana to CA for work. Going to school in California and starting his mortgage career in the Irvine area helped sharpen his tools and allowed Ben to become a top producer at both companies he was at…

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Brandon Boyd

Loan Officer / NMLS #1214702

Brandon Boyd enjoys helping deserving homeowners reach their goals. Everybody lives a UNIQUE life, why should your financing be any different? Offering some of the best rates and most unique products in the industry, he is able to qualify people who never thought they could OWN the AMERICAN DREAM. When Brandon is not funding loans,…

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Brian Brook

Loan Officer / NMLS #1584545

Brian is our Senior Reverse Mortgage Specialist and has introduced the New Reverse Mortgage Program to hundreds of seniors. When he is not conducting seminars, he prides himself in providing the old fashioned approach of in-home visits with his clients. Brian is based out of Palm Springs and travels throughout Southern California. His passion is…

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Thomas Annunziato

Loan Officer / #356492

Thomas started doing mortgage loans in 1993, mostly refinances and some purchase money loans. FHA, VA, and Conventional (including manufactured housing - attached) are loans where he has the most significant track record. Thomas is NMLS licensed in the State of Oregon. He is looking forward to continuing to provide exceptional service as only Ocean…

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Nicholas Jehle

Loan Officer / NMLS #1017560

Nicholas Jehle, a professional mortgage banker; provides leadership and vision that continues to facilitate growth even in this challenging financial market. As a producer and member of executive management, Nicholas is recognized as a top mortgage originator in Orange County, California. He is considered a specialist in the industry and has extensive knowledge of financial…

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Don Tilly

Loan Officer / NMLS# 226436

Don is a seasoned loan officer with over 20 years of experience in the mortgage industry. He has built his business on gaining the trust of his clients, by ensuring they are informed and showing compassion every step of the way. Don wants to make the loan process simple with straightforward information and professional service.…

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Rachel Rolapp

Marketing Consultant and Recruitment

Rachel manages social media accounts, creating and implementing campaigns to increase engagement through audience identification. She is skilled in marketing strategy and brand development. Rachel is also a part of the recruiting division and meets with recruits to showcase all Ocean Lending has to offer.



Loan Officer/ NMLS #989862

Thomas has been in the mortgage industry for over eighteen years. With a strong background in customer service, quality assurance, and law, he works with a sense of transparency and integrity to his clients. Taking a great interest in all things numbers, Thomas recognizes how to make beneficial loans from numbers that don't traditionally work.…

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Adam Coston

Mortgage Loan Funder

Adam Coston is a professional mortgage funder with years of experience in the finance industry. He has previously worked at various financial institutions as a mortgage loan closer, funder, and post-closer and has now brought his talents to Ocean Lending Home Loans, Inc. where he handles all three areas. He loves what he does and…