Our Story
Our mission is to assist existing and potential homeowners with their home financing needs. We assess current market conditions and develop loan options that will meet the unique requirements of individuals and families.
Headquartered in Sacramento, CA, GFL Capital Mortgage has now expanded to 4 offices nationwide powered by over 25 team members. We are proud to have served thousands of clients since our establishment in 2007.
Why Choose Us?
We bring a customized, personal approach to mortgages. Whether you’re looking to refinance your current home or in the market to purchase a new home, we’re here by your side every step of the way. You’ll receive expert guidance on how to move into your dream home or keep more money in your pocket.
Want to speak to a mortgage expert right away? Call us today.
(888) 557-8836
Meet Our Loan Specialists
Our team is ready to set you up for victory.
Brian Chan
VP of Residential Lending
- Sacramento, CA
- NMLS# 1877
Like a lot of new college graduates in 2004, I had no real vision of what I wanted to do for a career. After working on the internal side of mortgage banking creating the daily rate sheet, I decided to try my 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 me to have a better understanding of the loan process and what issues may arise throughout the process. This has allowed me to help countless families over the years. In my spare time, I enjoy traveling, landscape photography and spending time with my wife and daughter.
Cherry Lee
Operations and Compliance Manager
- Sacramento, CA
- NMLS# 1881
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 “Operations and Compliance Manager,” 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.
Christopher Jones
VP of Residential Lending
- Sacramento, CA
- NMLS# 1885
Chris has spent the last 18 years in mortgage lending, helping countless individuals and families buy or refinance their homes. He has been with GFL Capital Mortgage since its founding in 2007. Chris prides himself on providing great customer services while educating and guiding his clients through the mortgage process.
Daniel Cline
Mortgage Loan Originator
- Henderson, NV
- NMLS# 1889
Daniel has over a decade of experience in the financial services industry. He has helped countless families accomplish their financial goals. He began his professional career working for State Farm as an Insurance & Banking Specialist. This enabled him to create a more smooth and efficient process for his clients. He is very passionate about providing his clients with the best possible home financing experience and strives to become what he refers to as their “lifetime lender.”
Danny Velasquez
Community Lending Specialist
- Henderson, NV
- NMLS# 1892
Danny has worn different hats during his career in real estate and mortgage lending. From starting as a loan officer moving to a Paralegal working as Realtor and now going back to originating loans, his vision has always been the same: help the community because without them we are nothing! He joined GFL Capital Mortgage in 2018 with said goal in hand. The opportunity arose to relocate to Nevada to establish himself as a staple in the community and so far so good. He is even on AM670 radio every Saturday from 7am – 8am.
Sophie Jee
Wholesale Mortgage Specialist
- Sacramento, CA
- NMLS# 1896
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.
Grant Halpin
Loan Officer Assistant
- Sacramento, CA
- NMLS# 2282
My primary goal for joining the mortgage industry was to help individuals become more financially stable. Having a background in finance allows me to educate our borrowers on the lending environment in a way that’s easily understood. GFL Capital stood out to me because they prioritize each borrower’s best interests above all else. I was born and raised in the Bay Area and moved to Oregon for my undergraduate studies. When I’m not working you can find me on the golf course, cheering on the 49ers, or exploring new hiking trails around the area.
Greg Louie
President
- Sacramento, CA
- NMLS# 2284
Greg has spent his whole career in real estate and mortgage lending helping thousands of individuals and families buy, sell, and refinance their homes. He created GFL Capital Mortgage in 2007 with a vision to help both consumers and other business professionals within the real estate and mortgage industry. He continues his work providing exceptional customer service, finding solutions for his clients, and helping his clients and teammates reach their financial goals.
Jeffre McVey
Loan Processor
- Sacramento, CA
- NMLS# 2287
Before working at GFL Capital Mortgage, I was an Operations Intern in the athletic department at the University of California, Davis. While working in athletics, I developed my customer service skills interacting with the fans and teams during sports events. Customer service is a key skill in the real estate industry and I strive to provide the best service possible.
Kevin Sherba
Regional Manager / Wholesale Lending Specialist
- Henderson, NV
- NMLS# 2289
Kevin has spent his whole career in real estate and mortgage lending helping thousands of individuals and families buy, sell, and refinance their homes. He joined GFL Capital Mortgage in 2008 with a vision to help both consumers and other business professionals within the real estate and mortgage industry. He continues his work providing exceptional customer service, finding solutions for his clients, and helping his clients and teammates reach their financial goals.
Matt Moss
Wholesale Mortgage Specialist
- Henderson, NV
- NMLS# 2292
Matt’s passion has always been putting clients first. He enjoys listening to the financial goals of his clients, providing guidance and support through every step of the loan process. With over 20 years of customer service experience, he ensures that his clients have the most enjoyable experience possible through the entire loan process.
Michael DeLecce
Wholesale Mortgage Specialist
- Henderson, NV
- NMLS# 2294
Michael is a former collegiate lacrosse player who comes from an experienced background in hospitality. Michael brings honesty and passion to the table while striving to shatter his goals of getting as many families into homes as he can. He hopes to achieve this through his excellent communication skills, analytical thought process, and experience working together as a team. He understands that each individual and family he works with is unique and not a one-size-fits-all experience.
Rafael Ortega
Broker Associate/Loan Originator
- Sacramento, CA
- NMLS# 2297
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.
Robert Geber
Mortgage Loan Originator
- Henderson, NV
- NMLS# 2300
Robert makes the mortgage process swift and simple. With a background In Economics, Robert is analytical and strategically plans multiple steps ahead. He prides himself in his communication and accessibility. His fiduciary responsibility to his clients is ensured by transparency and certainty in the mortgage lending process. When you are looking to purchase, refinance, or invest in real estate, Robert will be sure to exceed your expectations.
Sue Thao
Mortgage Loan Originator
- Sacramento, CA
- NMLS# 2316
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."
Tanner Mendonca
Loan Processor
- Sacramento, CA
- NMLS# 2318
I am relatively new to the mortgage industry and am still learning each and every day. I spent 4 years after college playing professional baseball where I learned many skills that apply to everyday life. I enjoy being a part of a team and understand how each and every role contributes to the overall success of the group. I am so fortunate to be a part of the GFL Capital team and I look forward to continue to grow with this company provide exceptional service to our customers.
Teri McDonald
Wholesale Loan Specialist
- Glendale, CO
- NMLS# 2320
COVID-19 led to a career reinvention for Teri. She brought her extensive experience working in the financial industry, then as an entrepreneur, and most recently, as a public speaker and trainer to the mortgage industry. She leverages these skills to educate first-time homebuyers on the mortgage process leading them to fast approvals. Having worked in retail mortgages first, she just loves GFL Capital and the wholesale industry because she can find the best solution to meet her clients’ needs. She is currently building her realtor partner relationships in California and Colorado. She is a Lifetime Member of WESOS, Women Entrepreneurs Secrets of Success where she teams up with industry partners. When not working on loans, you can find her educating the public about the wild animal crisis or mentoring other budding speakers.
Rudy Estrada
Mortgage Loan Officer
- 670 S. Green Valley
- NMLS# 2322
Having been in real estate and mortgage lending for the last twenty years, I know the key is having constant communication and also providing the best customer service to everyone you’re working with. If those two things are in place, the rest will take care of itself when working towards building a solid trustworthy relationship.
Sean Gross
Branch Manager / Sr. Wholesale Mortgage Specialist
- Denver, CO
- NMLS# 2324
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.
Graylen Randolph
Branch Manager
- South Florida
- NMLS# 2590
I enjoy educating and informing people about the real estate and mortgage industry. Whether it be how the home buying process works, the specifics of refinancing, or general credit knowledge. There are a lot of misconceptions and negative connotations associated with Loan Officers and mortgages in general, so I really enjoy breaking those stereotypes. I am detail-oriented and results-driven. I have exceptional communication skills and extensive knowledge in not only the real estate and the mortgage industry but our economic system as a whole. I will go out of my way to make sure and answer any and every question you may have.
Michael Trinh
Closing Manager
- NMLS# 2594
I’m here to answer any questions you might have about our products and services. Feel free to contact me using any of the following methods:
Yelena Brezhneva
Loan Specialist
- Henderson, NV
- NMLS# 2882
Yelena brings more than 20 years of professional business and global experience to an ever-growing international market. She has relationships with vast variety of institutional investors across different parts of the globe. You will find her real estate and market insights in multiple publications throughout Las Vegas and Los Angeles. She's well respected by her clients and partners. Yelena is a trusted and driven professional who thinks quickly and creatively, all with her clients best interest in mind. She joined GFL Capital Mortgage in 2022 to continue his work providing exceptional customer service, finding solutions for his clients, and helping them reach their financial goals.
Bill Sample
Senior Loan Officer
- Boca Raton, FL
- NMLS# 2884
Bill has spent his whole career in mortgage financing helping hundreds of individuals and families buy and refinance their homes. He joined GFL Capital Mortgage in 2022 to continue his work providing exceptional customer service, finding solutions for his clients, and helping them reach their financial goals.
Jason Renkoff
Wholesale Mortgage Specialist / Branch Manager
- Boca Raton, FL
- NMLS# 2885
I’m a native South Floridian with over 20 years of experience of mortgage lending experience. I realize that finding the right mortgage is more than just shopping for rates. It’s about choosing a mortgage that fits into your total financial picture. That’s why I consider your complete financial situation, including long-term goals, before presenting you with a home financing solution. I’ll show you a variety of ways to finance a primary, investment or secondary residence that will meet your unique financial needs today and help keep you on the path to achieving your lifetime financial objectives. For my clients, I bring vast real estate & mortgage product knowledge along with phenomenal communication throughout the mortgage process while trying to play golf, train my dog, keep boys away from my daughter & not leave anything in the sink which makes wife happy!
Gregory Sepanski
Senior Loan Officer
- Boca Raton, FL
- NMLS# 2893
Have fun with it! The goal is for audiences to know who you are on a professional and personal level. Purchasing or selling a home is a complex and tedious process. At GFL Capital Mortgage, we’ve earned a stellar reputation among real estate professionals, builders, and individual home buyers throughout Florida for simplifying the process. In fact, we send automatic updates to you throughout the entire process with continual status reports and no surprises! This advantage is built around our mission to keep it simple and easy.