Mortgage experts. Deal finders. Trusted guides.
The Mortgage Coaches at SELFi work 1-on-1 with you to answer your loan questions, find the best rates and loan packages, and help you make a great, informed decision on your refinance.
Our Mortgage Coaches
SELFi was #17 of 10,000+ mortgage brokers with Rocket Mortgage in 2020
Joseph Flannery
San Francisco, CA
11 yrs experience | Licensed in AL, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IN, LA, MI, MN, OR, PA, SC, TN, TX, VA, WA | NMLS ID# 791180
In addition to being the CEO of SELFi, Joseph is an active mortgage coach. He is focused on providing tangible value to his clients: lower interest rates, more options, better advice.
Erica Zepko
Oakland, CA
7 yrs experience | Licensed in CA, WA | NMLS ID# 1301941
As a lifelong idealist, Erica became an attorney so she could use her voice to effectuate positive social change. Erica entered the mortgage industry having seen firsthand the devastating effects of the housing crisis through her private practice. She specializes in finding solutions for complex transactions and loves to beat big banks on interest rates.
Raul Ramirez
Pittsburg, CA
18 yrs experience | Licensed in CA, CO, FL | NMLS ID# 952652
Raul is applying his experience as a real estate agent, mortgage loan officer, and apraisal inspector to help SELFi members get the best terms on financing. Proir to SELFi, Raul was a top-producing banker at Bank of America. He joined SELFi after seeing first-hand the inefficienies that exist with big banks and is inspired to streamline the process and help customers save more money on their mortgage. Raul is fluent in Spanish.
Patrick Dolan
Santa Maria, CA
2 yrs experience | Licensed in AZ, CA, WA | NMLS ID# 1955540
Pat has spent the last 6 years as a real estate agent and saw first-hand the confusion, cost, and difficulty getting a mortgage. Pat found SELFi as a customer himself and was impressed with the speed, transparency, and low interest rates. This inspired him to apply his real estate knowledge to help home-buyers and homeowners get a better deal on their mortgage.
Adam Yinger
San Jose, CA
1 yrs experience | Licensed in CA | NMLS ID# 1978340
Adam joined SELFi after being a customer himself. After refinancing his mortgage through SELFi and saving thousands of dollars compared with applying with a direct lender or bank, he recognized the opportunity to help others refinance and reach their financial goals sooner.
Kevin Heney
Sacramento, CA
2 yrs experience | Licensed in AZ, CA | NMLS ID# 1958057
After 30 years as a marketing executive in Silicon Valley, Kevin joined SELFi to improve the financial lives of his clients and help them reach financial independence sooner.
Seshah Wolde-Tsadik
Santa Monica, CA
1 yrs experience | Licensed in CA | NMLS ID# 1975398
Seshah has spent 9 years as a practicing attorney advocating for children’s educational rights. He’s now applying that same advocacy to helping homeowners obtain better terms on their refinance and reach their financial goals sooner.
Stacy Mitchell
Santa Maria, CA
5 yrs experience | Licensed in AZ, CA | NMLS ID# 337607
Stacy has spent 6 years as an underwriter with banks such as Wells Fargo and Regions and is now applying her operational know-how to helping homeowners refinance their mortgage to better terms and reach their financial goals sooner.
Zach Gilbert
San Jose, CA
2 yrs experience | Licensed in CA, CO | NMLS ID# 2081185
Zach has spent his entire career in the real estate and mortgage industries. He’s passionate about home ownership, personal finance, and helping others. Zach purchased his first home at the age of 20 and became an investor two years later. Since then, he has helped hundreds of clients buy, sell, and refinance their homes. Introduced to SELFi when comparison shopping for his own refinance, Zach was impressed with the exceptional interest rates, simplicity, and level of service. Fusing his love of real estate with SELFi’s mission of accelerating financial independence was an easy choice. Whether you’re refinancing your home, or looking to buy or sell one, Zach is your go-to real estate strategist.
Matthew Alvarez
Santa Maria, CA
1 yrs mortgage experience | 3 years real estate agent | Licensed in AZ, CA | NMLS ID# 2081185
Matthew joined SELFi because he was inspired by the mission of helping his clients achieve financial independence sooner. Matthew is a successful real estate agent in the Central Coast and is now applying his real estate knowledge to help homeowners obtain better terms on their mortgage.
Jake Lucas
Berkeley, CA
2 yrs mortgage experience | Licensed in CA | NMLS ID# 2057168
Jake joined SELFi in 2019 to help the company produce content for social media, you may recognize him from our social media pages. After learning the ropes from CEO Joseph Flannery, Jake is now an active mortgage coach, where he gets a thrill out of helping homeowners save money. Before SELFi, Jake was an actor in L.A. and has appeared in numerous films and television shows.
Joe Starkey
Oakland, CA
2 yrs mortgage experience | Licensed in CA | NMLS ID# 2088256
Joe is Mr. Bay Area. He has lived in the East Bay, South Bay, City, and loves hiking in the North Bay. Joe is a real estate investor, construction project manager, and urban planner. Joe joined SELFi to help his clients with all their real estate needs – from buying and selling to management and maintence, and now low rate mortgages.
Jay Dhillon
Tracy, CA
6 yrs mortgage experience | Licensed in CA | NMLS ID# 1541617
Jay is committed to helping homeowners get the best terms on their mortgage, regardless of mortgage.
Luke Lu
Redondo Beach, CA
10+ mortgage experience | Licensed in CA | NMLS ID# 991614
Jason Smith
San Francisco, CA
16 years mortgage experience | Licensed in CA | NMLS ID# 2267299 | DRE# 01372919
Jason joined SELFi after being a client and experiencing the value proposition: Get a lower rate. Pay less fees. Close faster. Work with a professional mortgage coach. That’s all! Jason has 16 years of experience in real estate management and finance.
Patric Lopez
Los Angeles, CA
1 years mortgage experience | Licensed in CA | NMLS ID# 2295386| DRE# 02094224
Patric enjoys strategizing about real estate investment, acquisition, and finance. He joined SELFi to provide an outlet to his clients to obtain lower mortgage rates, at lower costs, without compromising service. He goes to bat for his clients on every transaction, and always looking out for their best interests, even if that means recommending someone other than himself.