Board of Directors


Steve Pollack
Anchor Loans, Inc.
5230 Las Virgenes Rd., Ste. 105
Calabasas, CA 91302
Bus: (310) 395-0010
Fax: (310) 395-0130

Stephen Pollack is the Co-Founder of Anchor Loans, a private loan brokerage specializing in rehab loans to non-owner occupants, and has been involved in the real estate business for the past 25 years where he has personally transacted over $950 million in loan business. He graduated from UCLA and received his optometric degree from UC Berkeley.

Dr. Pollack practiced for 10 years during which time he was named Young Optometrist of the Year by the California Optometric Association (COA), served as the President of the San Joaquin chapter of the COA and worked part-time as a Clinical Professor in UC Berkeley's Contact Lens Clinic.

Dr. Pollack's community involvement includes being a past director of the United Way of San Joaquin County and Boy's and Girl's Club of Stockton. Currently, he sits on the board of Agoura Youth Basketball Association.

Vice President

Mark Forbes
F.E. Forbes Company Inc.
1795 Solano Ave.
Berkeley, CA 94707
Bus: (510) 526-7933
Fax: (510) 526-7976

Mark Forbes is President of F.E. Forbes Company, Inc., since 1990. He is a licensed real estate broker with the NMLS endorsement, and has been involved in conventional and private money lending industries for over 25 years.

Mark has been active in all aspects of his third generation family Company's continued growth since joining the firm in 1984. He oversees all aspects of Company operations including the real estate investment management group, with primary emphasis in Company's loan origination of commercial and residential loans for private money trust deed investors.

Mark is active in several professional organizations including serving on the Board of Directors for California Mortgage Association, California Association Mortgage Professionals - East Bay chapter, Commissioner for City of Berkeley Small Business Loan Administration Board, past Board of Director Berkeley Chamber of Commerce, and past President Berkeley Rotary Club. He currently resides in the San Francisco Bay Area with his wife and two teenage children.


Elizabeth Knight
PLM Lender Services, Inc.
46 N. Second Street
Campbell, CA 95008
Bus: (800) 829-1585
Fax: (408) 370-5484

Elizabeth M. Knight is President and CEO of PLM Lender Services, Inc., an independent trustee service which specializes in foreclosures, private investor loan servicing, document drawing, fund administration and REO disposal. Ms. Knight is a licensed California real estate broker and has been in the foreclosure and loan servicing field since 1981 and in the real estate field since 1977.

Ms. Knight is a graduate of St. Mary's College with her Bachelor's degree in Business Management with a minor in English and an Associate's degree in Business with a minor in Real Estate.

Ms. Knight currently serves as the Secretary for the United Trustees Association. She is also a court qualified expert in the field of foreclosure and loan servicing.


Pam Sosa
Standard Mortgage Financial Services Inc.
6820 Indiana Avenue, Suite 260
Riverside, CA 92506
Bus: (951) 686-9639
Fax: (951) 686-0361

Pam Sosa is a Past President (2010-2011) of the California Mortgage Association, and owner of Standard Mortgage Financial Services, Inc., a full service Mortgage Broker in Riverside, CA, that primarily arranges loans for nonconforming properties in rural areas of the Inland Empire. She has been a licensed real estate salesperson since 1972 and a broker since 1990.

Ms. Sosa has been in the real estate and mortgage business all of her adult life. Prior to acquiring her current company, Ms. Sosa has worked in the equity lending business with Union Home Loans, Standard Mortgage Company, and Crawford Investment Company.

Immediate Past President

Odell Murry
MAI Financial Services, Inc.
10061 Riverside Drive Suite 747
Toluca Lake, CA 91602
Bus: (818) 761-9400
Fax: (818) 761-9499

Odell Murry has served as the California Mortgage Association's President, Vice President, Treasurer and Chairperson of the finance committee since 2010 and has been a member of the Association since 2001, responsible for overseeing a number of financial matters, including budget preparation, monthly reports, and annual audits.

Mr. Murry is also the founder and president of MAI Financial Services, Inc., established in 1989, a mortgage banking firm specializing in retail, office, industrial, residential and other types of real estate financing. He holds a California Real Estate Broker License, California Finance Lenders License, and he is licensed by the Nationwide Mortgage License System. His many years of real estate experience include ownership, management, or financing of various commercial, industrial & residential properties. During the early 1990's his firm also worked as a contractor for the U.S. Treasury Department serving as a real estate asset/property manager for the Resolution Trust Corporation (RTC).

Mr. Murry serves as president of a non-profit foundation and is or has been a member of a number of associations, including the Mortgage Bankers Association, Association of Realtors, California Receivers Forum, Military Officers Association of America (commissioned U.S. Army officer), Vallejo General Hospital (director), and the University of Massachusetts (chairman of executive committee | W.E.B. Du Bois Center).

Previously, Mr. Murry spent two decades in the retail industry as a leading executive with several national and international companies. In 1969 he became the first African American store manager for F.W. Woolworth Company and was one of the youngest general managers of any major national chain. He ended his retail career as President of Gateway Marketplace, an affiliate of The Price Club (later named Costco Warehouse Stores).


Steve Belleville
Real Estate Lending Group, Inc.
1346 The Alameda # 7-211
San Jose, CA 95126
Bus: (408) 421-2422
Fax: (408) 538-9408

Steve Belleville is Co-founder of Real Estate lending Group, Inc and serves as Vice President of the company. In 2006 the company was established to manage two new investment funds; building a portfolio of Notes and Deeds of Trust. Mr. Belleville oversees originations of commercial loans, construction loans and investment property loans. Prior to starting Real Estate Lending Group Inc., Mr. Belleville's mortgage lending experience involved managing real estate loan production in the San Francisco Bay Area for a medium sized Mortgage Banking company covering three offices (including one net branch.)

Prior to his employment in the mortgage banking industry and the formation of Real Estate Lending Group, Mr. Belleville worked in the computer electronics industry for 18 years and last held the position as Director of a $130M business unit for a fortune 500 company.

Steve Belleville holds a Bachelor of Arts degree in Economics from UCLA and an M.B.A. from Santa Clara University.

Robert Box
Equity Funding Resource, Inc.
14803 Valleyheart Drive
Sherman Oaks, CA 91403
Bus: (818) 679-2255

Robert Box is the President and Broker of Equity Funding Resources, a private money lending institution in Sherman Oaks, CA. He has developed a reputation for his creative 'outside of the box' approach to originating loans.

After a ten year career as an auditor and computer programmer at Bank of America's consumer lending division, Robert changed careers and joined the private money industry. In his 14 years as a salesperson and broker, he has originated over 1,000 loans. He currently resides in Sherman Oaks with his wife and three children.

George Eckert
The Money Brokers
2371 El Camino Avenue
PO Box 214507
Sacramento, CA 95821
Bus: (916) 481-3333
Fax: (916) 489-4444

George M. Eckert is Vice President & General Counsel for The Money Brokers, Inc. of Sacramento, CA, and has been a licensed real estate broker since 1987. A graduate of The University of Scranton and Western State University College of Law, Mr. Eckert has been a member of the California State Bar since 1982.

Mr. Eckert currently serves as the Legislative Chair of the California Mortgage Association.

Mr. Eckert resides in Plymouth, CA, with his wife of 34 years, Anne, and their three cats.

Noah Furie
Budget Mortgage Corp.
1849 Sawtelle Blvd., Ste 700
Los Angeles, CA 90025
Bus: (310) 696-4050
Fax: (310) 388-3031

Noah Furie is the CEO and Co-Founder of Budget Finance Company, a Los Angeles based regional niche lender providing residential and commercial loans, and has been a licensed real estate broker for 25 years.

Mr. Furie is a regular speaker at seminars, including the California Mortgage Association and its predecessors where his topics have included Truth in Lending Compliance, Fair Lending and ECOA Compliance, Understanding the Finance Lenders Law and updates on state and federal laws and regulations.

Mr. Furie has been a member of the Legislative Committee of the California Mortgage Association and is Chair of the CMA Legal Resource Center.
He is also a former member of the Real Estate Commissioner's Real Estate Finance Advisory Committee (REFAC), the Department of Corporation's Multi Lender and Securities Task Force, and the City of Los Angeles Anti-Predatory Lending Advisory Group and Technical Subcommittee.

Glenn Goldan
ReProp Financial
555 H Street Suite G
Eureka, CA 95501
Bus: (707) 444-7711
Fax: (707) 444-7700

Glenn Goldan is CEO of ReProp Financial, a private small balance commercial mortgage banking company which specializes in blending collateral and credit analysis to fund loans which are just beyond the reach of traditional institutional lenders. Mr. Goldan began his real estate career in 1976 and has successfully owned and operated five real estate brokerage and two property management companies.

Mr. Goldan currently leads the Commercial, Construction and Pool Managers Focus Groups for CMA. Previously, he has served as Vice President and Legislative Chair for the California Trust Deed Brokerís Association and Legislative Chair, Vice President and President for the CMA. He is also a member of the Commercial Mortgage Securities Association.
Glenn, his wife Shelle, and their daughter, Hannah, have been very active members of their community and are especially involved in youth sports, Humboldt Sponsors and Court Appointed Special Advocates (CASA). Glenn currently chairs the Coastal Division Board of Directors for Umpqua Bank, and has served on the Board of Directors of Eureka Rotary and the Eureka Historical Preservation Commission; chaired the Redevelopment Advisory Board for the City of Eureka as well as the Private Industry Council for Humboldt County; and, has been President of the Eureka/Humboldt Economic Development Corporation.

John Graziano
BaySierra Financial, Inc.
1410 Neotomas Ave., Suite 106
Santa Rosa, CA 95405
Bus: (707) 544-5696
Fax: (707) 568-6013

John M. Graziano is President of BaySierra Financial, Inc., and has been a licensed real estate broker since 1968. He graduated with a BA from California State University, Northridge.

Previously, Mr. Graziano has been the President of TRIAD Mortgage, Inc., Mortgage Broker at NorCal Mortgage, Inc., Vice President at Wells Fargo Bank, and Vice President at Security Pacific Bank.

Mr. Grazianoís professional associations include serving as a Director with Codding Bank, President of the American Red Cross, Sonoma County Chapter, Director of the YMCA of Sonoma County, and member of the Santa Rosa Chamber of Commerce.

Charles Hershson
Fidelity Mortgage Lenders, Inc.
11952 Wilshire Blvd.
Los Angeles, CA 90025
Bus: (310) 820-4300
Fax: (310) 447-5697

Charles H. Hershson is President of Fidelity Mortgage Lenders, Inc., a full-service real estate lending firm, and has been a licensed real estate broker since 1965. Previously, Mr. Hershson founded the predecessor company, Fidelity Home Loan Company, Inc., a real estate lending firm specializing in residential equity loans. He is a graduate of the University of Southern California with a B.S. in Real Estate and Finance.

Formerly, Mr. Hershson has served as President of the California Mortgage Association (CMA), President of the Mortgage Association of California (MAC), and President of the California Independent Mortgage Brokers Association (CIMBA). He also has been a member of the Real Estate Finance Advisory Committee appointed by the Commissioner of the California Department of Real Estate.

Mr. Hershson's numerous community associations include Vice President of The Guardians, which raises funds for the Jewish Home for the Aging, board member of the Jewish Home for the Aging, and board member of the Wellness Community. In addition, he is a member of the Board of Governors for Cedar-Sinai Hospital.

David Herzer
Herzer Financial Services, Inc.
1779 Woodside Rd., Suite 201A
Redwood City, CA 94061
Bus: (650) 363-8003
Fax: (650) 363-8330

David Herzer is President of Herzer Financial Services, Inc, a private money lender and mortgage fund management company which originates and services real estate acquisition and development loans, bridge loans, and residential and commercial loans in the San Francisco Bay area. He has been a licensed real estate broker for 24 years and has held licenses in insurance, Series 7 and Series 24 securities, and variable annuities. He graduated with a Bachelor of Arts degree from the University of California.

Mr. Herzer is currently on the website and membership committees for CMA and has been on educational panels for CMA and CAMB. He is also a member of the Board of Directors for the Menlo Park Rotary, the CK Foundation, and contributes to the Berkeley Food Project, Rebuilding Together, the Kentfield Schools Foundation and several other charities.

David lives in Marin with his wife and two children and enjoys drumming, mountain biking, skiing, little league and water skiing.

Joffrey Long
Southwest Mortgage
17045 Chatsworth Street
Granada Hills, CA 91344
Bus: (818) 366-5200

Joffrey Long is the President of Southwest Mortgage, a wholesale private money direct lender that makes, arranges and services private money (hard money) loans, institutional real estate loans, and reverse mortgages. He has been licensed as a real estate broker, and has been a private money (hard money) direct lender, broker, and loan servicer since 1979.

He is the CMA Education Chair, a CMA Past President, and has been a member of its Board of Directors since 2001.

Joffrey has participated in the creation and presentation of numerous private money training/education courses for CMA, including "The Basics of Private Money Lending," a series of classes that teach basic concepts in how to make private money (hard money) loans. In addition, he has written other courses outside of CMA, related to both private money (hard money) lending, institutional lending, and courses on California trust deed investments. He has presented courses for different mortgage industry trade associations, is an instructor for Park University Enterprises and a senior instructor for Duane Gomer Seminars, teaching Nationwide Mortgage Licensing System (NMLS) and California Bureau of Real Estate (CalBRE) continuing education.

He also serves as a California Mortgage Expert Witness, providing litigation consultation, mortgage expert witness reports and declarations, and is called upon to testify in depositions, arbitrations and jury trials or bench trials as a mortgage lending or loan servicing expert witness.

Lori Randich
Redwood Mortgage Corp.
1825 S. Grant Street
Suite 250
San Mateo, CA 94402
Bus: (650) 365-5341
Fax: (650) 364-1665

Lori Randich is Vice President of Loan Production and Underwriting at Redwood Mortgage where she's been employed since 1991. Lori manages all loan origination activities, including marketing, broker relations, underwriting, documentation, quality control and compliance. She graduated with honors from UC Berkeley with a bachelors degree in political science and has over 25 years' experience in real estate and lending. Lori is a licensed broker by the CA Dept. of Real Estate and is a member of the National Association of Realtors, the California Mortgage Bankers Association and the California Association of Mortgage Professionals. She has published articles on real estate lending and frequently presents topics of interest to the California Mortgage Association as a member of their Educational Committee.

Michelle Rodriguez
R.C. Temme Corp
21777 Ventura Blvd. #201
Woodland Hills, CA 91364
Bus: (818) 999-2274
Fax: (818) 703-0126

Michelle R. Rodriguez is the in-house counsel and chief compliance officer of R.C. Temme Corporation in Woodland Hills, California. Ms. Rodriguez is licensed as an attorney in California, Wisconsin and Minnesota. Ms. Rodriguez earned a Juris Doctor degree from Hamline University School of Law in Saint Paul, Minnesota, and a Masters degree in Business Administration from the University of Saint Thomas in Saint Paul, Minnesota, and her Bachelor of Arts from the University of Wisconsin- Stevens Point. Ms. Rodriguez is a licensed real estate broker and maintains an NMLS MLO endorsement. Ms. Rodriguez is chairperson of the Dodd-Frank committee of the California Mortgage Association and has presented many courses at that organization's educational seminars on such topics as the Truth-in-Lending Act, the Real Estate Settlement Procedures Act, and the Dodd-Frank Wall Street Reform and Consumer Protection Act. She has over 13 years experience in the real estate industry.

Richard Temme
Woodland Hills Mortgage Corp
21777 Ventura Blvd., Suite 211
Woodland Hills, CA 91364

Richard Temme is President of R. C. Temme Corporation, a mortgage banker and mortgage broker, located in Woodland Hills, California and has held that position for more than 30 years. He graduated with his doctorate from Upper Iowa University.

Mr. Temme is the past President of the California Mortgage Association and has been Chairman or Co-Chairman of the Education Committee of CMA since 1999. He is also a member of the Board of Directors or President of several other companies in lending-related businesses and served on an advisory committee, at the request of California Real Estate Commissioner, to evaluate and make recommendations for continuing education requirements of Real Estate Licenses.

Mr. Temme has also participated in many litigation assignments as an expert witness in lending related cases.

Rich Wachter
Wachter Investments, Inc.
49 Park Road
Burlingame, CA 94010
Bus: (650) 348-7191
Fax: (650) 348-4116

Richard Wachter is President of Wachter Investments, Inc., a direct private lender engaged in the origination and servicing of loans secured by California Real Estate since 1979. Richard has been a licensed Real Estate Broker since 1984, and member of CMA and its predecessor organizations for over a quarter century. His company website:

Current and past memberships:
California Independent Mortgage Brokers Association (CIMBA)
Mortgage Institute of California (MI)
Mortgage Association of California (MAC)
California Trust Deed Brokers Association (CTDB)
California Mortgage Association (CMA)
California Association of Mortgage Brokers (CAMB)
National Association of Mortgage Brokers (NAMB)
San Mateo County Association of Realtors (SAMCAR)
California Association of Realtors (CAR)
National Association of Realtors (NAR)

Legislative Advocates

Michael Arnold
Michael J. Arnold & Associates, Inc.
1127 11th Street Suite 820
Sacramento, CA 95814
Bus: (916) 446-2646
Fax: (916) 446-6095

Michael Arnold is the President and Founder of Arnold & Associates, which represents clients in health care, local government, and mortgage lending. He has represented the California Mortgage Association and its predecessor organizations since 1985. In this role, he has drafted or assisted in the drafting of dozens of laws impacting mortgage lending in California.

Mr. Arnold graduated from UCLA with a Bachelorís degree in Political Science and a Masterís in Public Administration. He also holds a standard secondary teaching credential and a community college teaching credential.

Prior to founding his firm, Mr. Arnold was the Chief Lobbyist for the League of Cities and worked with the California Medical Association (CMA).

Michael Belote, Esq.
California Advocates, Inc.
925 L Street Suite 1250
Sacramento, CA 95814
Bus: (916) 441-5050
Fax: (916) 441-5859

Michael D. Belote is a legislative advocate with the firm of California Advocates, Inc. in Sacramento, where he represents a variety of association and corporate clients before the California Legislature and provides counsel on legislative and regulatory issues. He graduated from University of California at Berkeley and the McGeorge School of Law in Sacramento.

Previously, Mr. Belote was Vice President-Legislative Counsel for the California Land Title Association working on issues such as insurance regulation, escrow procedures, foreclosure and others. He has also served as Legislative Advocate for the California Association of Realtors, focusing on broker liability, agency, and taxation.

Legal Counsel

Phillip Adleson , Esq.
Adleson, Hess & Kelly, a P.C.
577 Salmar Ave., Second Floor
Campbell, CA 95008
Bus: (408) 341-0234
Fax: (408) 341-0250

Phillip M. Adleson is the senior shareholder in the law firm of Adleson, Hess & Kelly, a Professional Corporation, and has been a real estate attorney since 1976 and is a licensed California real estate broker. He graduated with a Juris Doctor, Cum Laude, from University of Santa Clara School of Law in 1976.

Mr. Adleson is corporate counsel for both the California Mortgage Association and for the United Trusteeís Association. He is also past President and Legislative Chairman for UTAís predecessor, the California Trustees Association and currently serves as a director of UTA. Mr. Adleson is a former attorney for the California Court of Appeal and has testified before the judiciary committees of both the California Assembly and California Senate. He is a past instructor of real estate and foreclosure classes at DeAnza Community College and San Jose State University and has taught numerous DRE and CLE approved classes.

Mr. Adleson has represented numerous lenders, trustees, purchasers, sellers, title companies and others in trials, arbitrations, DRE licensee administrative hearings, appeals, amicus curiae briefs, class actions, unfair business practices and in many other areas involving real estate, lending and foreclosure.