Mortgage Coaches

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

Rocket Mortgage Top 20 Broker

SELFi was #17 of 10,000+ mortgage brokers with Rocket Mortgage in 2020

Joseph Flannery

Rated 5 out of 5

San Francisco, CA

10 yrs experience | Licensed in AL, AZ, CA, CO, DE, FL, GA, IA, MI, MN, OR, PA, SC, TX, VA | 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

Rated 5 out of 5

Oakland, CA

5 yrs experience | Licensed in CA | 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

Rated 5 out of 5

Pittsburg, CA

17 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

Rated 5 out of 5

Santa Maria, CA

1 yrs experience | Licensed in AZ, CA | 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

Rated 5 out of 5

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

Rated 5 out of 5

Sacramento, CA

2 yrs experience | Licensed in CA | NMLS ID# 1958057

After 30 years as a marketing executive in Silicon Valley, Kevin joined SELFi to improve the finacial lives of his clients and help them reach financial independence sooner.

Seshah Wolde-Tsadik

Rated 5 out of 5

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

Rated 5 out of 5

Santa Maria, CA

1 yrs experience | Licensed in 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

Rated 4.8 out of 5

San Jose, CA

1 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

Rated 5 out of 5

Santa Maria, CA

1 yrs mortgage experience | 3 years real estate agent | Licensed in 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

Rated 5 out of 5

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

Rated 5 out of 5

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.

Darren Yassen

Rated 5 out of 5

Fort Lauderdale, FL

20 yrs mortgage experience | Licensed in CA, FL, GA, TX | NMLS ID# 369981

Darren has 20 years of mortgage experience working for large banks, lenders and brokers in various capacity. Darren decided to join SELFi after being amazed by the low rates offered through the site, as well as the transparency. Darren is excited to apply his wealth of knowledge to create a mortgage experience that results in more savings, less headache, and greater transparency.

Kyle Brown Jr.

Rated 0 out of 5

Charleston, SC

10 yrs mortgage experience | Licensed in AZ, CO, GA, VA, SC (pending) | NMLS ID# 200541

Kyle brings a decade of mortgage experience to every phone call. In 2020, he earned his certification as a Certified Mortgage Advisor™.

Jay Dhillon

Rated 5 out of 5

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.

Become a SELFi Mortgage Coach!