Pacific Private Money is an alternative real estate finance provider specializing in short-term real estate loans for California borrowers since 2008. We raise private capital using discretionary debt fund structures that generate above-market returns through a well-refined and successful holistic lending model.

Our Team

Executive Team

Mark Hanf

CEO

Mark Hanf

CEO

Mark is Founder, President, and CEO of the San Francisco Bay Area-based Pacific Private Money Group of companies. Pacific Private Money Inc., the flagship company, is an alternative real estate mortgage lender founded in 2008 to provide consumers and real estate investors access to fast, reliable, and convenient capital.

He is a real estate professional with 40 years’ experience, including 25 years in real estate development and 15 years in mortgage lending. Mark is known as a visionary entrepreneur and collaborator and has overseen the launch of five complimentary divisions supported by four private funds.

Mark is considered an innovator and recognized authority in the alternative lending space, and is a published author, radio personality and regular speaker at industry conferences.

He is an active member of industry associations, including the California Mortgage Association, the American Association of Private Lenders, and the California Association of Mortgage Professionals. He pursues his personal and professional development through memberships in Vistage CEO Advisory Group, Strategic Coach and Genius Network.

Mark earned a B.S. degree in Business Administration with a focus in finance and accounting from the Menlo School of Business Administration in Atherton, California. Licenses held by Mark include a California real estate brokers license (CA DRE #1811186), Mortgage Loan Originator’s license (NMLS #331091), and California Finance Lender’s license (CFL #6054605).

CA. DRE # 01811186 | NMLS No. 331091

Nam Phan

COO

Nam Phan

COO

Nam is Chief Operating Officer of Pacific Private Money, Inc. He first joined Pacific Private Money in 2015 as Business Development Director before becoming General Manager then COO, his current position.

During his time managing operations, the Company experienced significant year over year growth from loan originations of $50 million in 2015 to over $400 million in 2021 or 700% in 6 years.

Nam’s real estate and lending career spans over 20 years. In addition to Pacific Private Money, Nam held senior positions with Better Homes/Avalar Real Estate, as Executive Vice President of Operations, where he was responsible for franchisor operations of the company’s 220 franchised offices and more than 2,000 Realtors. Additionally, Nam was the Director of Business Development for the Western US for HomeSmart International, a national Real Estate Franchisor, recognized as one of the top 20 independent real estate firms in the US and where Nam grew the company’s agent and office count 20% during his tenure.

He is an active member of industry associations, including the California Mortgage Association, the American Association of Private Lenders, and the California Association of Mortgage Professionals.

Nam earned a B.S. degree in Psychology from the University of California at Santa Barbara. Licenses held by Nam include a California real estate brokers license (CA DRE #01310091) and Mortgage Loan Originator’s license (NMLS #2067323).

CA. DRE # 01310091

JR Sandell

CFO

JR Sandell

CFO

JR is Chief Financial Officer of Pacific Private Money, Inc. He first joined Pacific Private Money in the beginning of 2021 in a finance and strategic planning consulting capacity, before becoming CFO. In his current position he is responsible for accounting / finance / administration, HR, legal and IT.

He has more than 30 years of experience in the banking and financial services industries, and he is the funding Principal of Sandell Consulting, a firm that provides: Strategic, Financial and Management Services including advisory services to management and owners of large and medium sized companies.

He has been employed by Fortune 50 firms, as well as medium-sized businesses. JR held senior positions with: Xerox Financial Services subsidiary specializing in P&C and real estate financial guarantee insurance products, where he managed three MGAs while responsible for $3.5 billion of real estate-based collateral and at Fireman’s Fund/Allianz Company Financial Services as the CFO for the IT Division, responsible for a successful $350 million outsourcing project of IT services.

He was the SVP/CFO at Capital Alliance a mid-tier mortgage banking company where he was responsible for financial operations including strategic planning, finance, portfolio management / loan servicing, audits, and accounting; CEO of International Business Electronics Inc., a mid-range computer service company servicing multi-national electronics manufacturers in Silicon Valley; Director of Financial Planning for Homestead Financial Corp., an asset management company specializing in mortgage banking and Manager of Budget and Planning at Fox & Carskadon Financial Corp., a national commercial real estate syndicator.

JR holds a B.S. in Electrical Engineering from Tekniska Skolan of Hässleholm, Sweden, an M.B.A. in Strategic Planning and Economic Planning & Control from Lund University School of Economics and Management, Sweden and an M.B.A. in Finance from the University of California at Riverside, A. Gary Anderson Graduate School of Management.

Department Heads

Rick Culp

Underwriting

Rick Culp

Underwriting

Rick is a Senior Underwriter of Pacific Private Money, Inc. He joined Pacific Private Money in 2013 where he heads a team of underwriters.

Rick is a finance professional with a 40-year background covering a wide range of industry experiences including 20 years in the corporate banking work including retail and private banking with another 20 years in mortgage brokering/banking and private lending. He is known as a team builder and team player with the ability to grow profitable business operations.

Rick joined Pacific Private Money in its infancy and was hired as an underwriter. The role grew to handling private investors, being responsible for direct loan placement, attending industry events and included a place on the management team.

Prior to joining the Company, he held positions as Branch Manager of Household Finance, Senior Underwriter for the California lending operations of First Interstate Bank and ended his banking career as a Vice President in the private banking sector of the Beverly Hills office of Wells Fargo Bank. While these roles were primarily credit-based positions, his responsibilities included portfolio and personnel management, audit and compliance requirements as well as being involved in serious collection issues. Rick was on the banks main credit teams responsible for vetting other bank portfolios for mergers and acquisitions. He also wrote and taught credit procedures for the 400-branch operation.

Rick later worked as a mortgage broker, eventually becoming a partner in a small firm where he was responsible for sales production and secondary marketing when the firm began mortgage banking operations. From humble beginnings, the firm grew to 75 agents, over 30 staff members and closing $5 billion during his tenure. Rick also managed the firms broker relationships and a $90 million hard money fund.

Rick holds a B.S. in Business Administration with a focus in finance from California State University, Chico. At University of California, Berkely he studied Aeronautical / Aerospace Engineering Technology.

He is a former Board Director for the California Association of Mortgage Brokers; Stanford Bank Management Program; expert witness in credit transactions.

Mirka Turcan

Compliance

Mirka Turcan

Compliance

Mirka is the Vice President, Operations/Compliance at Pacific Private Money, Inc. She joined the Company in 2012.

She has been in the financial services industry for close to 15 years. Her expertise includes knowledge in loan products and complex documentation process and review, interpreting and applying compliance policies toward effectively analyzing workflow expectations while achieving productivity requirements. She interfaces with the regulatory agencies regarding compliance and annual reporting.

She started out as the Mortgage Associate/Coordinator, with accountability for broad-scope processes focused on ensuring critical compliance within company policies and procedures as well as government regulatory standards for business purpose, as well as for consumer purpose (TRID) transactions.

Today she is engaging in detailed client communications and follow-ups on all aspects of the loan process and additional outside processes. She is result oriented and she thrives on delivering on-time results through solutions-focused strategies and meeting timelines, dynamic interactive relationship skills toward productive facilitation of communications, and collaboration amongst customers, internal and external departments, and Trust Deed Investors.

Prior to joining the Company, she was the Loan Processor/Escrow Assistant at Equity Funding Source, Inc. where she collaborated closely with borrowers, lenders, escrows, title companies, lien holders, insurance companies, servicing companies, builders control companies and agents.

Mirka knows how to strategically plan, prioritize, organize, and manage high-volume workflow to maximize use of time and resources and meet critical deadlines. She is also involved with direct development of new reports, transaction structures, and software.

Mike Bunn

Director of Mortgage Technology

Mike Bunn

Director of Mortgage Technology

As Director of Mortgage Technology at Pacific Private Money, Mikel is responsible for the implementation of software solutions that will streamline the loan process and allow for quicker loan closings with fewer human interventions.

Mikel is a Technology Professional with over 23 years of experience in the field. Beginning his career in Technology in 1999, he and his business partner launched a Computer Networking Company which helped small and medium sized companies take advantage of technology by building server and network infrastructures and configuring software solutions to improve their businesses. He has led several large SAAS software implementation initiatives as a Technical Project Manager in the Healthcare, Radio, TV, Non-profit and Mortgage Industries.

Prior to Mikel’s transition into the Technology Industry, Mikel was a seasoned professional with a career in Management. His broad framework and exposure provide for a great understanding of the benefits businesses can gain by leveraging technology.

Mikel holds two Bachelor of Arts degrees from Biola University and attained his MCSE (Microsoft Certified Systems Engineer) certification in computer networking.

Edward Brown

Investor Relations

Edward Brown

Investor Relations

For over 20 years Edward Brown was CEO of a $40 million alternative lending company based in Marin County. Today he assists Pacific Private Money with capital raising and investor presentations. Edward is also the host of two radio shows —The Best of Investing with Mark Hanf and Sports Econ 101, a national sports and business show. Edward earned his B.S. in Accounting and M.S in Taxation from Golden Gate University, and has held licenses and certifications including Real Estate Salesperson, Insurance License, Series 7 Securities License, Tax Preparation License, and Certified Fund Specialist.

Lisa Hanf

Director of Real Estate Services

Lisa Hanf

Director of Real Estate Services

Sales Team

John C. Jackson

Investor Relations

John C. Jackson

Investor Relations

JJ is a 20-plus year professional in the Real Estate and the Mortgage Industry. He has managed RE portfolios which purchased, sold, and rehabbed SFR 1-4 nationwide. He also worked with construction contactors to provide construction loans for spec. development.

DRE Broker License No. 01145314

Kevin Green

Broker-Associate / Loan Agent

Kevin Green

Broker-Associate / Loan Agent

Kevin is a broker-associate at Pacific Private Money with over 18 years of experience in commercial and residential mortgage originations. Kevin’s background includes all facets of real estate, with a specific emphasis on private money and hard money loan originations. Kevin, who was born and raised in Silicon Valley, is also an active real estate investor in California, Nevada, and Utah. Kevin received a Bachelor of Arts in Communications from Chico State University and a Master of Science in Business Management from Notre Dame De Namur University.

CA. DRE # 01241542 | NMLS No. 1130752. Kevin is also a Licensed California property and casualty insurance producer, CDI No. 0G89362

Gus Menendez

Loan Agent

Gus Menendez

Loan Agent

Gus is a loan agent for the firm, specializing in both residential (owner-occupied, rehab, fix and flip) as well as small commercial real estate lending. Gus has 20 years of hard money experience, working 16 years for one of Florida’s largest hard money lenders before moving to California. Gus is fluent in Spanish.

CA. DRE # 01910488 | NMLS # 380409

Matt Coordes

Loan Agent / North Star Capital Fund Manager

Matt Coordes

Loan Agent / North Star Capital Fund Manager

Matt is a loan agent for the company, specializing in private construction lending, equity placement and lending for projects over $2M. Matt’s real estate career spans 20 years, and includes Aspen Private Equity Group which he was co-founder. Matt has negotiated debt and equity placements on projects ranging from small fix and flips up to $10M joint ventures, as well as capital advisory for large projects ($5M to $100M) in California, Colorado, and Hawaii.

Mobile Phone: 415-404-2849

Email: matt@pacificprivatemoney.com

CA. DRE # 01943419 |NMLS # 1375058

Sofia Nadjibi

Broker Associate / Loan Agent

Sofia Nadjibi

Broker Associate / Loan Agent

Sofia is dedicated to helping individuals with unique lending needs, drawing on her more than 15 years of experience in mortgage and real estate to find creative solutions that work. After growing up in Sweden, Sofia moved to the Bay Area in 1995 and quickly dove into the lending and real estate market. A Certified Mortgage Planner and Real Estate Broker, she also holds an MBA in Finance and Real Estate from Golden Gate University along with an undergraduate degree with honors from San Francisco State University.

CA DRE # 01405277 | NMLS # 241012

Richard Redmond

Loan Agent

Richard Redmond

Loan Agent

Don Bialkin

Loan Agent

Don Bialkin

Loan Agent

Don has been in the mortgage industry since 1985. He brings a wealth of knowledge and experience from being involved in many aspects of real estate financing, working both in retail and wholesale mortgage banking companies. His responsibilities have included originating loans, account relations, and product development, to name a few.

Don joined Pacific Private Money in May of 2019 as an in-house loan consultant, and works closely with the underwriting department. He prides himself on being honest, hard-working, and looking out for the best interest of both the client and the investor.

DA DRE #00902505 – NMLS #915767

Sherrie Ellis

Loan Agent

Sherrie Ellis

Loan Agent

NMLS# 844140, DRE License No. 01177698

Production Team

Frank Mejos

Underwriting Operations Coordinator

Frank Mejos

Underwriting Operations Coordinator

A mortgage and financing professional since 1993, Frank brings a wealth of experience to Pacific Private Money. His past includes experience in the areas of Risk Management, Quality Control, Compliance, Secondary Marketing, Loss Mitigation, Investor Relations, Repurchase Review, and Loan Servicing.

A Sonoma County native, avid film buff and musician; Frank has worked at local mortgage companies such as, North American, Headlands, Greenpoint, Homecomings, and First Priority. At Pacific Private Money, Frank integrates all aspects of the loan origination process prior to document disclosure; from inception, through Underwriting, and Investor commitment.

Sophia Konrad

Loan Processor

Sophia Konrad

Loan Processor

As Production Assistant, Sophia assists in the coordination of timely drafting, auditing and delivery of documents to ensure a seamless process from loan origination to final closing. Prior to joining the firm, Sophia worked for two years at US Bank.

Ryan Thompson

Loan Servicing Manager

Ryan Thompson

Loan Servicing Manager

Ryan is a Loan Servicing Manager of Pacific Private Money Inc. He has worked in the Loan Servicing Department since 2015 and he was promoted to Loan Servicing Manager in 2016.

He has since managed a portfolio of approximately three hundred active loans files totaling between $250-325 million divided into multiple portfolios and distributions to our hundreds of investor clients.

Before joining the Company, he held an administrative position in construction and maintenance, as well as managing payroll and vendor relations for a variety of field and home offices within Sonoma and Marin counties.

Ryan has been overseeing the growth of the department and manages a small, but resolute and growing team within the servicing field, and is dedicated to timely, thorough, and respectable correspondence between lenders, borrowers, agents, and escrow officers. He is also responsible for collections, delinquencies, and insurance matters.

Ryan has advanced certification with The Mortgage Office through Applied Business Solutions, the premiere loan servicing software in the private lending space, and has an active working relationship with FCI, the largest active private lender servicer in the country.

Adolfo Maldonado

Jr. Loan Processor

Adolfo Maldonado

Jr. Loan Processor

As a junior loan processor, Adolfo helps with data entry and all other loan operation tasks to assist the processing department as he continuously educates himself in the ever-changing private lending industry. He is bilingual, being fluent in both Spanish and English, and prior to joining the firm he worked in inventory analytics in the bio-tech industry.

Andrea Werlin

Office Manager

Andrea Werlin

Office Manager

Andrea has worked in the real estate industry since 2005, first as a Realtor for several years, followed by a role as an Administrative Assistant at Alain Pinel, and Office Manager at Century 21 NorthBay Alliance.

When you call our office, she will most likely answer. Andrea is not only our office manager, she is part of the investor relations team, and assists the mortgage loan servicing and accounting departments.

Selena Luis

Loan Closing Coordinator

Selena Luis

Loan Closing Coordinator

Selena started her financial industry career at Wells Fargo Bank Operations Center in San Francisco. She has worked in Monterey in Escrow, Title and Real Estate lending at Stewart Title, First American Title, and Bank of America. She also has Commercial lending experience coming from Comerica Bank. With over 18 years of administrative and financial industry experience, she adds to the organization the knowledge needed to understand the process from loan origination to closing. She is knowledgeable of TRID timelines, government, and company policies and procedures.

Andrew Walker

Accounting

Andrew Walker

Accounting

Wilson Cruz

Treasury & Investor Relations

Wilson Cruz

Treasury & Investor Relations

Wilson is the Treasury / Funder and supports Investor Relations at Pacific Private Money, Inc. He joined Pacific Private Money in 2021 in the Finance / Accounting Department.

Most recently he was the Program Coordinator at the University of California – San Francisco (UCSF) for nine years where he provided project management and financial coordination for multiple five-million-dollar Federal grant programs, here he also provided management of symposium and lecture series events.

Ten years of prior positions include a Senior Treasury Analyst position at Paul Financial, LLC, where he spearheaded department wide process improvement initiative which effectively tracked wire transfers, interest payments, payroll, syndication, loan funding, bank account fees, and vendor payments. Additionally provided cash flow forecasting, responsible for tracking commitment fees for various lines of credit. Before this he was the Cash Operations Analyst at First Data Corporation, where he administered a major national payment-processing product, including account analysis, reporting, wire transfers, and customer account resolutions.

Wilson holds a B.A. in Philosophy and English Literature from the University of Massachusetts Boston.

Alexis Medina- Padilla

Loan Servicing Assistant

Alexis Medina- Padilla

Loan Servicing Assistant

Michelle Mitchell

Underwriter

Michelle Mitchell

Underwriter

Michelle a Senior Underwriter of Pacific Private Money, Inc. She joined the Company in third quarter of 2021 where she heads a team of underwriters.

She has more than 20 years of experience in the banking and financial services industries. Hailing from a construction, project management and design background gives her the ability to see the entire process.

Michelle has held several senior positions throughout her career in consumer and construction mortgage financing including but not limited to processing, underwriting, closing, appraisal review, title review, post-closing, and quality control. She has also been an instructor in several of those positions.
Prior to joining the Company, she held positions as Mortgage Loan Advisor at Lenox/Weslend Financial, Mortgage Loan Officer Administrative Assistant at Open Mortgage LLC, Mortgage Loan Officer/Sales Consultant at C & D Corp Services and American Residential Lending, Assistant Branch Manager/Loan Officer at Texas Mortgage Associates and Mortgage Loan Underwriter /Senior Loan Processor at Bangor Savings Bank.

Michelle holds an A.S. in Information Systems Management from Husson University in Maine. She has completed certification through National Association of Mortgage Underwriters as a Certified Master Mortgage Underwriter, and she is keeping up to date with all regulatory and investor rules and requirements involving LTV, DTI, creditworthiness, and collateral.

Licenses held by Michelle include NMLS licenses for (CA #CA-DBO1443611, CO #100516769, FL #LO68334, IN #44270, ME #1443611, MN # MN-MLO-1443611, SC # MLO – 1443611, TN #S-203845, TX #1443611, VA #MLO-43532VA).


Our Partners

Fund Administrator

Fairway America logo

Fund CPA

Spiegel Accountancy Corp logo

Compliance Counsel

Geraci law firm logo

What Our Investors are Saying

Sky Pace

CEO of Brix Beverage

Using Pacific Private Funding to complete a 2nd on my home was not only one of the easiest things I have ever experienced in the lending arena, but the fastest as well. The ..."

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Suzi

Entertainment Professional

As an executive working in the entertainment business, I couldn't be more difficult to please, which is why I couldn't be happier recommending Pacific Private Money. They are ..."

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Tom Z.

Pacific Money presents solid lending opportunities and processes transactions with detail and care. I've been impressed with every member of the team and highly recommend ..."

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Vivien

Owner of Weller House Inn

I can highly recommend Pacific Private Money. They met my needs promptly, in spite of unusual details which had been too challenging for several other hard money lending ..."

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Russell Roesner

Broker and Borrower

Mark is one of the good guys in the private lending business. He is intelligent, hard working, reliable, and most important, honest as well. I would recommend doing business ..."

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