Photo of James Edwards

James Edwards

CEO / Mortgage Banker / NMLS# 206740

I am the CEO here at Ocean Lending. I’ve dedicated over 20 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…

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Dan Bray

President / CFO / Mortgage Banker / NMLS# 222131

I am the President at Ocean Lending and have been in the mortgage business for over 20 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…

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Jose Contreras

Processing Manager

Jose has been in the mortgage industry for over 13 years. He has worked in almost every aspect of the industry from processing to funding. Jose is an avid knowledge seeker and seizes every opportunity he has to learn something new. Jose enjoys working with clients to meet their financing needs and is dedicated to…

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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…

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Rachel DeVera

Quality Assurance Department

Rachel was born and raised in Mission Viejo, California and later attended college at Concordia Irvine and UC Berkeley. Her path so far career-wise has been heavily oriented in customer service; she enjoys connecting with people. Additionally, Rachel has vast experience in sales. When she is not at work, she is swimming, golfing, or at…

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Shaun Grass

Quality Assurance Department

Shaun is a U.S. Navy veteran. He loves his family and works to support them. He was born and raised in Ohio. Shaun has been a California resident for seven years now. He loves Ocean lending and the people he helps.

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Kimberly Kuban

Processor Assistant

Kimberly was born and raised in Southern California. With over 25 years of mortgage experience, she has held various positions over the years. Kimberly started her mortgage career as a Funder for 17 years, and for the past eight years, she was a loan officer assistant. Kimberly also has experience in doc drawing, post-closing, and…

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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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Rachel Rolapp

Marketing Coordinator 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.

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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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Susan York

Secondary Marketing Manager

Susan spent her formative years traveling around the world because her father was a Navy Careerman. They settled in Little Rock, Arkansas, where she finished high school and attended The University of Arkansas and graduated with a BS in Secondary Education with an emphasis in German. In 1989, Susan moved to California to be with…

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Stuart MacMillan

Branch Manager + Loan Officer / NMLS# 142225

Stuart is a Seattle native and has been a reverse mortgage specialist since 2009 when he got his own reverse mortgage and decided to enter the business. Like many Boomers, after 40 years of working multiple jobs and experiencing numerous downturns in the economy that hit his savings, he found he was short on funds…

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Benjamin Rollins

Branch Manager + Loan Officer / NMLS# 1022525

Starting his mortgage career in Irvine, CA, Benjamin James Rollins become a top producer at both companies he was at before his tenure at Ocean Lending. Earning formidable accolades (Yelp/Zillow/etc.) from any borrower who has had the chance to work with Ben, his clients genuinely feel that they are family by the time escrow closes,…

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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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Gabriel Beltran

Loan Officer / NMLS# 243257

Gabriel has 24 years of Lending experience. In his career, he has funded over $1.7B in mortgage loans and has been licensed in 22 states with zero defaults. His mother was a Real Estate Broker for 30 years, so he was introduced into the business early. His background spans various roles and industries, from Lending,…

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Laura Borja

Loan Officer / NMLS# 199107

Whether you are a first-time homebuyer researching the first steps, an experienced homeowner or a Realtor® looking to partner up with a mortgage professional, you have come to the right person. With over 28 years of experience in the industry, Laura takes great pride in giving her clients the best experience possible by focusing on…

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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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Evan DeLoach

Loan Officer / NMLS #1784988

Evan DeLoach and is a southern California native. He studied economics in New York City for three years, where he interned at a financial services technology company and also studied in Beijing and Shanghai. Evan entered the mortgage industry two years ago to have the opportunity to change lives through providing a route to homeownership,…

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Pudge Erskine

Loan Officer / NMLS# 1289933

Born in Los Angeles California, Pudge Erskine is a Navy and Army Veteran. Over 10 years ago he learned how a Reverse Mortgage could help him (Yes, he has a Reverse Mortgage) and has dedicated the last 10 years of his life helping others to stay in their homes. “A Reverse Mortgage is the best…

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Jim Granados

Loan Officer / NMLS# 1483411

Jim seeks to extend the American dream of homeownership to every qualified borrower. His years of experience with customer relations and problem-solving will help you become a homeowner. Whether you are a first time home buyer, refinancing, or investor, Jim would love to help with getting you approved for the right mortgage loan for your…

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Jill Hamilton

Loan Officer / NMLS# 1613890

Born and raised in California, Jill Hamilton moved to the Coachella Valley in 1987. Out of 19 years of experience in banking, she has spent the last 8 years specializing in Reverse Mortgages. Being involved in processing over 800 Reveres Mortgages Jill has witnessed up close how this loan has changed seniors lives, allowing them…

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Filiz Hefner

Loan Officer / NMLS# 309595

With over 22 years in the mortgage industry, Filiz Hefner has been an industry leader in the field of home loans. Filiz has been a proven problem solver, having closed many home mortgages that others would let pass by. She earned a Bachelor of Arts degree in Psychology from Long Beach State University, but she…

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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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Thomas Hocking

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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Mike Walsh

Loan Officer / NMLS# 290395

As a nationally registered Mortgage Professional, Mike Walsh has closed over $200,000,000 million in residential and commercial mortgages. Over the past decade, Mike has helped thousands of clients achieve their goal of homeownership. Mike's clientele range from first-time buyers to seasoned commercial investors. Mike Walsh offers pre-approvals for purchases with highly competitive rates through a…

Joanna Udave


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Jordan Sweatt

Loan Officer / NMLS# 366794

Strong ethics, a solid grip on the market and customer service that is second to none. For 17 years, that same philosophy is what fuels Jordan’s commitment to his clients and their confidence in him. Establishing new relationships and taking a hands-on approach with his clients leaves them feeling comfortable, confident, and informed. Growing up…

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Maya Swan

Senior Loan Processor

Maya has been in the mortgage business for the last eighteen years. From customer service, collections, and appraisals, she eventually found processing and has been a processor for the past thirteen years. Maya has been processing all types of loans. She has learned not to take anything personally, stay focused, and get it done.

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Samantha Smith

Mortgage Loan Funder Assistant

Samantha is a new addition to Ocean Lending as a mortgage funder assistant. She is eager to bring her talents to the company and enter into the finance industry. Samantha loves to explore new places, watch the sunset, and make new friends wherever she goes.

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Destin Samoeun

Quality Assurance

Destin has grown up always being known as a "people's person." Because of his highly outgoing and positive personality, he found that Ocean Lending was the perfect place for him to be. He has always been in customer service based jobs, and now he is looking forward to helping people of all situations accomplish their…

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Mark Phan

Loan Officer / NMLS# 1774368

Mark Phan thoroughly understands and applies product-specific requirements to job functions. Skilled at managing relationships, Mark cares about his clients and would go the extra mile to try to originate the best deal for his borrowers. Additionally, he has experience coordinating and generating third party reports. Mark has a pronounced sense of professional integrity, client…

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Stephen Minor

Loan Officer / NMLS# 1613308

Stephen Minor is a well-qualified mortgage banker with a work ethic not seen often these days. His objective is to deliver the highest quality service while navigating his clients to the best financial position possible. Stephen always makes an effort to really understand his client's goals and ensure they are both on the same page…

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Scott Goodmanson

Senior Underwriter

Scott is an underwriter with over 15 years of experience. Scott’s primary goal is to provide exceptional customer service by striving for concise underwriting, timely turnaround, and being accessible. Scott enjoys spending time with family, golfing, and traveling.

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Paul Francis

Senior Underwriter

Paul Francis is an underwriter in the mortgage banking industry. He has had a successful career being an underwriter for 17 years, specializing in FHA, conventional, high balance, non-conforming, and non-QM underwrites. He is a strong believer in a team environment with a positive outlook through successful collaboration amongst peers. Paul enjoys spending time with…

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Rio Enomoto

Loan Officer / NMLS# 1542088

The financial aspects of home buying can be stressful and overwhelming. That’s where a caring professional like Rio Enomoto comes in. Rio is a mortgage professional with years of experience in the mortgage industry and has spent the majority of his early career in technology and finance. With the knowledge he has gained, he assists…

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Jacqueline Dumbrille

Senior Loan Processor

Jacqueline is an experienced Processing Manager & Senior Loan Processor with a demonstrated history of working in the mortgage industry. Passionate about building strong teams and analyzing process flow. Skilled in Conventional Conforming and Non-conforming Credit Analysis, FHA Financing, VA Loans, Non-QM, CalHFA, USDA and Mortgage Underwriting Principals. Retail, Wholesale and Correspondent experience. Strong operations…

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Muqing Chen

Senior Loan Processor

Muqing is a professional loan processor with years of experience in the mortgage finance industry. He works closely with loan officers, underwriters during the loan transaction to ensure the loan close in a timely manner. Muqing loves working at Ocean Lending with clients and helps them to solve and achieve their financing needs. He is…

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Tony Cao

Quality Assurance

Tony was born and raised in Orange County, CA. His adaptability and quick-learning skills landed him through various career fields that focused on customer service with absolute accuracy and quality. While working multiple jobs to support his family, he enjoys helping out the Vietnamese community and being an automotive enthusiast.

Barbara Austin

Compliance Officer