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1100 Corportate Way
Suite 210
Sacramento California 98531

(916) 823 3333

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Our Loan Specialists

Dionicia Lozoya

Loan Officer

  • Sacramento, CA
  • NMLS# 2151664

Prior to joining GFL Capital Mortgage, Dionicia was a marketing executive with multiple Fortune 100 companies. Her previous experience has prepared her to bring a strong commitment to communication, organization, and service for her borrowers. Being an active real estate investor in previous years, sparked an interest and prompted her to leave the marketing world and enter the mortgage industry. Her experience drives her to be ultra-attentive to market conditions, robust knowledge on loan products and providing elite service to both borrowers and her realtor partners.  Being bicultural and bilingual in Spanish provides extra comfort and understanding to her non-English speaking clients. Dionicia has been married for over 20 years and has 2 high school-aged children.

Michael Trinh

Closing Manager

  • Sacramento, CA
  • NMLS# 1579316

Michael joined the company in 2016 as an operations assistant with little knowledge of the mortgage industry and, like most people his age, no clear picture of his future. As an individual that gravitates towards numbers, he developed a knack for loan closings and is now GFL’s highly regarded closing manager, trusted with ensuring that transactions close smoothly and speedily. In his free time, Michael is an avid golf enthusiast and is always looking for ways to improve his game. Fun fact: Michael loves to go swimming, but doesn't know how to swim!

Sean Gross

Branch Manager

  • Denver, CO
  • NMLS# 274155

Sean is originally from Michigan and Florida. He is a proud graduate of the Florida State University with a Bachelor of Science in Finance. Following college, he moved out west. He has lived in Southern California, Nevada, Arizona, and in Denver, Colorado for the past 10 years. He has over 22 years of mortgage loan experience as a loan officer As a licensed mortgage professional, he helps individuals realize their dreams through financing backed by real estate. His focus is to ensure clients are well-informed consumers by educating them on the various loan strategies and advising of the loan process. His goal is to try to make every customer and realtor involved in the process, a Raving Fan. Sean is all about developing long-term relationships with his clients and realtors after the transaction is complete because he is interested in his client's success and loves to find ways to help them achieve their goals.

Tanner Mendonca

Loan Processor

  • Sacramento, CA
  • NMLS# 2006485

Relatively new to the mortgage industry, Tanner is still learning each and every day. He spent 4 years after college playing professional baseball where he learned many skills that apply to everyday life. This includes being a part of a team and understanding how each and every role contributes to the overall success of the group. Tanner is fortunate to be a part of the GFL Capital team and looks forward to continuing to grow with this company while providing exceptional service to their customers.

Sue Thao

Wholesale Mortgage Specialist

  • Sacramento, CA
  • NMLS# 1894412

Sue has been in sales for over a decade including the last two years as a loan officer. Prior to his switch to loans, he was a Sales Advisor at Tesla. What differentiates him from other officers is his approach. He's an educate-first type of person. He stays transparent and never pushes for the sale. He closed over 145 loans in his first two years with no previous mortgage experience. His reason, "I'm good with numbers and people."

Rafael Ortega

Broker Associate/Loan Originator

  • Sacramento, CA
  • NMLS# 173217

Buying, refinancing or selling a home? You have a lot counting on your mortgage professional. I have built my reputation on providing outstanding service to my clients over my 16 year career in the financial services. That means you can count on me to always look out for your best interests, keep you informed throughout every step of the lending process and exceeding all expectations. I provide a wide range of loan products such as FHA, VA, Conventional, HomePath, USDA, Low FICO Options, Investor Products, First Time Home Buyer Financing and more! Fun Fact: Rafael is a father to identical twin boys and comes from a military family background.

Grant Halpin

Production Partner

  • Sacramento, CA
  • NMLS# 1939319

Grant’s primary goal for joining the mortgage industry was to help individuals become more financially stable. With a background in finance, his goal is to educate borrowers on the lending environment in a way that’s easily understood. At GFL Capital, he and his team are able to prioritize each borrower’s best interests above all else. Born and raised in the Bay Area, he moved to Oregon for undergraduate studies. When Grant is not working you can find him on the golf course, cheering on the 49ers, or exploring new hiking trails around the area.

Sophie Jee

Wholesale Mortgage Specialist

  • Sacramento, CA
  • NMLS# 933278

Sophie Jee has had a successful career as a Loan Originator with the GFL Capital Group for over 8 years. Before she became a Loan Originator, she was a small business owner and most recently, she retired from the State of California after 14 1/2 years. She specializes in applying her expertise to get the right mortgage for her clients so that they are successful in closing their loans. Honesty, integrity, and dedication are what she strives for in all aspects of her life. She provides great customer service and ensures that her clients have a smooth transaction when it comes to closing a loan.  She values her clients and takes pride in delivering exceptional service and establishing lifelong relationships with them.

Cherry Lee

Director of Operations

  • Sacramento, CA
  • NMLS# 387305

When Greg met Cherry in 2009, Cherry knew nothing about mortgages. Greg took a chance and hired her – as a loan originator, as a processor, and eventually as a closer that would assist in GFL’s pivotal transition from mortgage broker to correspondent lender in April 2014. Her knack for organization, attention to detail, and obsession with problem-solving (and love for coffee) have helped her play a fluid role in the company over the years. Her official title is now “Director of Operations,” but she continues to play a role in several aspects of the business. Though she mainly operates behind the scenes, she cares deeply about helping colleagues and aiding the company in providing an amazing consumer experience.

Brian Chan

VP of Residential Lending

  • Sacramento, CA
  • NMLS# 354805

Like a lot of new college graduates in 2004, Brian had no real vision of what he wanted to do for a career. After working on the internal side of mortgage banking creating the daily rate sheet, he decided to try his hand dealing directly with the consumer in helping them achieve their dream of homeownership. Learning the inner workings of the loan process from building a daily rate sheet to drawing loan documents has allowed him to have a better understanding of the loan process and what issues may arise throughout the process. This has allowed him to help countless families over the years. In Brian’s spare time, he enjoys traveling, landscape photography and spending time with his wife and daughter.

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