NMLS# 368469 · Director of Sales Excellence · EMC
VA, HELOC, DSCR, construction, commercial. If you've been denied somewhere else, call me — that's literally my specialty.
View Loan Services →I've founded a top 1% mortgage company, built AI-powered lead systems, and now lead 950+ LOs. Strategy, technology, results.
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$0 down. No PMI. Most veterans don't know what they're owed. I make sure they do — and I close them fast.
Not 5 weeks. 5 days. Your equity should work as fast as you do.
Qualify on rental income. No tax returns. No drama. If it cash flows, I can close it.
Everyone else runs from these. I specialize in them. Custom, spec, renovation.
Denied twice? Send me the deal. Mixed-use, multifamily, bank statement, ITIN.
When the math works, I'll show you. When it doesn't, I'll tell you. No games.
I'm Justin. I'm a mortgage guy in Southern Oregon who actually picks up the phone.
I specialize in the loans other lenders run from — construction, commercial, DSCR, VA. If you've been denied somewhere else, call me. That's literally my specialty.
I founded Everyone's Loan Company and grew it to the top 1% in originations nationally before orchestrating a successful acquisition. Now I lead sales excellence at EMC across 950+ loan officers and 15 states.
But I still close deals myself. Over 7,000 clients and $2 billion funded later, I still pick up every call. Because the day I stop closing is the day I stop being useful.
When I'm not working, I'm hiking with my daughters, coaching their soccer team, or planning my next summit. I work hard because I love what I build — for my clients, my team, and my family.
EMC · 2022
EMC Certified
EMC Certified
EMC Certified
Everyone's Loan Company
I've built companies, led hundreds of LOs, and created systems that generate leads while I sleep. Three ways to work with me.
For realtors, loan officers, and mortgage companies who want the unfair advantage I built for myself.
Hire me to fix what is not working in your business or help you build what is missing.
For companies that need an executive to come in and audit the whole picture, not just one workflow.
Real results from real clients and partners.
When I first came in contact with Justin to refinance my home I was pessimistic due to being self-employed along with numerous previous unsuccessful attempts. Justin went above and beyond in helping me to secure my 30-yr fixed mortgage with a much lower interest rate than I expected or even hoped for. He was encouraging every step of the way.
Justin helped my elderly Mother refi her house. Because of her fixed income it was challenging. Justin spent a lot of time working with us to make sure all the paperwork was completed and really went out of his way to explain the process to my mother. I highly recommend Justin if you need a refi.
Justin and his team were fantastic! Fast service, fast communication, great rate and willing to work with my title company. Happy to do business with them and we will contact again for next refi or buy!
Call, text, email, or fill out the form. I respond fast.
I'll get back to you within 24 hours. For faster response, call or text (949) 842-2006.