During his prior career as a senior derivatives and capital markets banking professional as well as entrepreneur, Ralph had a long history of proven track records in financial innovations and developing new consumer financial products and associated derivatives markets in many developing countries in Asia, Middle East, Eastern and Central European countries.

Ralph is a graduate of the Wharton Business School with an MBA in Finance.

As a seasoned mortgage banking professional, Lee has many years of direct hands-on experience in dealing with homeowners, real estate
developers and financial institutions. He has led and managed teams of professionals in sales and marketing for both commercial as well
as residential real estate financing in his earlier career.

Lee has a BA degree in Political Science from Boston University.

Matthew Graham
Senior Vice President
Corporate Development and Head of Pacific Northwest Region

Matthew has a diverse background in the mortgage industry. His work "The definitive short sale article" is the most searched and highest ranked site page on the web regarding short sales. This and other dissemination have made him one of the most prolific and sought after loss-mitigation experts on the web. His work on analyzing, tracking, forecasting, and commenting on MBS has quickly earned him a place among the most trusted and sought after Interest Rate Analysis experts on the web.

Matthew attended Willamette University in Salem, OR both for undergraduate and graduate school, and now lives in Keizer, OR with his wife Kelly, son Riley, and two dogs: Gunner and Ajax.

Stuart Lane
Vice President
Finance and Administration, Head of Southwestern Region

Stuart was the Head of Structured Finance for Union Bank of Switzerland in Hong Kong where he specialized in highly complex tax related transactions in Asia. He also developed a physical currency swap market in China to help major multinational companies fund their local operations. While at NatWest Markets in Hong Kong as Director Capital Markets he raised low-cost funds for companies using tax treaties and derivative structures. Earlier in his banking career at Citibank Australia he implemented various option and forward strategies for the gold mining community. He also worked for Carr Futures Inc. as Vice President Sales. Additionally, he was a part owner in The Masters Association Management LLC, a property management company in Las Vegas.

Mr. Lane holds a Master of International Management degree from the American Graduate School of International Management and BS in Aviation Management from Metropolitan State College.