Theresa Ballard, Compliance Consultant, Strategic Compliance Partners

Theresa currently serves as Compliance Consultant for Strategic Compliance Partners or better known as SCP. Theresa works closely with State and Federal Auditing Agencies and has acted as an Advisor to several State and Federal Agencies, including CSBS, AARMR and NMLS&R. Prior to joining SCP, Theresa was one of the founding partners and CEO of BFO Solutions Incorporated.  BFO started in 1994 and offered various mortgage operation services.

Karen Bates, Sales Manager, Military Home Loans

Karen completed eight years of service as a Naval Air Traffic Controller and then became a Certified Public Accountant.  In 2004, Karen combined her military background with her financial expertise and founded Military Home Loans.  Her passion is to ensure Veterans never miss the opportunity to experience their American dream.  

Karen is California’s 2013 Mortgage Professional of the Year and was featured on Yahoo Finance for earning and retaining $1 million as a female entrepreneur.

Ken Bates, Mr. VA Loan, Branch Manager, Military Home Loans

After serving 12 years in the Navy as a Radar Intercept Officer in the F-14 Tomcat (like “Goose” in Top Gun), Ken’s naval career landed him in San Diego where he founded Military Home Loans. For five years running, he averaged over $50M in personal loan production with 92% of those loans being VA loans.  With his knowledge and expertise, he developed and presented his VA Seminar specifically for Realtors to over 2,500 agents generating over 40 inbound leads each month since 2009! 

Ginger Bell, SVP e-Learning, Morf Media

Ginger Bell is the best-selling author of “Cracking the Success Code”, and “Success Today”, books she co-authored with Brian Tracy and other business specialists. She is a renowned training and education specialist in the banking and real estate industries. Her experience includes creating and managing training standards, expectations and measurements that build employee competencies. Ginger is currently involved in leading development of a first of its kind gamification e-learning system with Morf Meda, Inc., an international gamification software development company.

Dave Savage, CEO, Mortgage Coach

Dave has twenty years of experience as a mortgage executive and business leader, and he is passionate about leveraging technology to increase the success of mortgage professionals. Under his direction over the past nine years, 22,000 loan officers have used The Mortgage Coach’s flagship software to increase their success and help homeowners make more informed decisions.

Dave is a recognized pioneer and leader in the mortgage industry. He is known especially for his contributions toward the growth of professionalism in the lending industry and the improvement in the quality of advice that originators provide homeowners. Dave consults and speaks to thousands of mortgage professionals each year on topics relating to sales, marketing, and leadership.

Anthony Savala, National Account Director, Mortgage Coach

As National Account Director at Mortgage Coach, Anthony is dedicated to helping lenders enhance the point of sale conversation, provide greater transparency to consumers, maintain compliance and while elevating mortgage professionals to achieve higher levels of success through the use of the Mortgage Coach dynamic suite of technology solutions. His mission is to ensure that every originator can deliver advice based mortgage experiences that impress clients and partners.    

Carl White, Chief Strategist, Mortgage Marketing Animals

Carl White is the most sought after loan strategist and is known for having many of his private LO clients seeing a 100%, 300%, even a 1,000% increase in their income after implementing the plan they map out with Carl, all without working evenings or weekends.

The results and simplicity of these plans are legendary. Attending one of these classes will be a very good use of your time.

Anthony Lombardo, CAMP Board President

Anthony Lombardo is president of Sacramento, Calif.-based Hi-Tech Mortgage Inc. and 2015-2016 state president of the California Association of Mortgage Professionals (CAMP). Prior to his role as Board President, Anthony served two terms as the Chapter President of the Greater Sacramento CAMP chapter.

Scott Griffin, CAMP President-Elect

Scott Griffin has a passion and talent for helping individuals become homeowners, rather than mortgage holders, and brings over 25 years of expertise in real estate to bear for clients of the Scott Griffin Financial brokerage. In 2003 Scott opened his namesake brokerage, eventually expanding with offices in San Diego and Palm Springs and a specialty in 'A' Paper Jumbo Loans for clients either self-employed or in the entertainment industry. Scott has funded more than $831 Million in purchase and refinance home loans.

Michelle Velez, CAMP Immediate Past President

Michelle is the immediate past-State President and has held several positions with CAMP. Prior to her term as State President, Michelle served two years as Vice President Government Affairs advocating for housing reform in Washington DC and in Sacramento. This is her third term on the executive board and she has served previously on the San Francisco Peninsula board, 2 years as Chapter President. Prior to coming to Prospect Mortgage, Michelle was the Broker of Record for Partners Mortgage. She has been a loan originator for over 24 years.