David Lykken
President – Mortgage Strategies
Managing Partner
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(512) 977-9900 ext. 101

David Lykken has a passion to help mortgage companies grow and prosper by providing solid business strategies and advice. He thoroughly loves working with his clients and has had amazing results. It’s not just the energy he brings to each new relationship - rather the way he simultaneously supports and challenges his clients, building on strengths and pinpointing areas for improvement. With more than 34 years of industry experience, David has garnered a national reputation. He has become a frequent guest on FOX Business News with Neil Cavuto, Stuart Varney, Liz Claman and Dave Asman with additional guest appearances on the CBS Evening News, Bloomberg TV and radio. His thoughts and opinions about the mortgage and housing industry are often quoted in business sections of leading news papers across the country as well as in mortgage industry trade publications. David is renowned for his unique blend of technology and business experience and success working with early-stage startups all the way up to thriving public companies. He has the “been-there-done-that” experience as the founder of two Southern California mortgage banking companies and partner in a large national mortgage banking company. Possessing a strong entrepreneurial spirit, he also started a computerized loan origination (CLO) software company literally in his garage, which eventually grew into a large national publicly traded tech company that captured a 23% market share. Since 2000, he has helped a growing number of business owners and senior management teams dramatically transform their businesses – shaping the next generation of mortgage banker in the process. David also has a BA from Pacific Lutheran University in Tacoma, WA. He lives in the beautiful Texas Hill Country west of Austin with his wife and two daughters. He is active in marketplace Christian ministry.

Andrew Schell, CPA/CMB/CFF
President – CFO2Go
Managing Partner
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512) 977-9900 ext. 102

Andy’s primary focus is helping clients make money. Over the past 30 years he has been the financial architect for start-up and national companies in mortgage finance. He was the Founder and President of “CFO2Go,” an innovative outsourced financial services group, the President of a statewide mortgage bank and he has started entrepreneurial ventures in technology, financial services and insurance sales. At his direction, companies have experienced significant profit increases – in one case, a 1,600% increase in just two years.

He led the creation of a $2 billion national Correspondent Lending division for San Francisco based Bank of America and managed a $17 billion annual commodity settlement division supporting all hedging / capital markets activities. As COO & CFO for banks, mortgage banks, and a closely held public company he led the creation of 5 companies with sales production from coast to coast. He also led the acquisition of a San Francisco technology company to retool software for resale to NASA and the installation of Intercontinental Ballistic Missile silos as part of the National Defense Shield. Early in his career at the age of 24 was the lead financial officer presenting performance results to a depository’s Board of Directors.

Andy is a CPA licensed in Texas and a CMB (Certified Mortgage Banker), as well as being a CFF (Certified in Financial Forensics) – There are very few individuals who hold all three of these designations. He has an undergraduate degree in finance from the University of North Texas and a graduate degree in Banking from Southern Methodist University. He has served in many community and civic groups including Crosspoint Community Church as a member of the Elder Board, Board Treasurer for a non-profit children’s performance group called Broadway Kidz, and recording engineer for Cornerstone Studio. He and his wife Suzanne have been married since 1982 and have 4 children.

Chuck Klein
President – Mergers & Acquisitions
Managing Partner
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(512) 977-9900 ext. 103, Direct Line: (254) 741-1582

At MBS, Chuck Klein’s clients rely on him to envision a growth plan (or exit strategy) appealing to outside investors or capital partners.  Mr. Klein is renowned for his 20+ years as Managing Director and owner of mortgage industry brokerage and consulting firms representing sellers and buyers in many of the country’s largest transactions involving banks and mortgage companies.  Clients are also confident that he will find them partners that are philosophically compatible – as well as find niches, provide service, and implement business plans giving them long-lasting competitive advantages.  Chuck Klein is a Director of the Texas Mortgage Bankers Association and has served as a member of Fannie Mae’s Secondary Marketing Liaison Committee.  Chuck graduated from the University of Texas, Austin with a BBA in Management and lives in Waco, Texas with his wife Patty.  His son Mitchell is a college student at Sam Houston State University.

Lindsay Bridges
Director of Business Development
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(512) 977-9900 ext. 110, Cell: (512) 657-2588

Lindsay Bridges is a steadfastly dedicated sales professional who strives to successfully guide our clients through the process of obtaining the services that best suit their needs. She enjoys the hunt to find the right solutions to help you grow your business and always strives to exceed expectations. Lindsay excels at developing strong lasting relationships with our clients and thrives on supporting them throughout our relationship. She has a previous background in real estate and was a member of one of the Austin Business Journal’s “Top 25 Producing Teams.” Individually, Lindsay was the top producing agent under that same brokerage. She graduated Cum Laude with a double major in Political Science and Psychology from Texas Tech University, where she remains a loyal Red Raider Fan. She lives by Lake Travis near Austin with her husband Michael and their son Zachary.

Rebekah Reddin
HR Specialist
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(512) 977-9900 ext. 131

Rebekah serves as Human Resource Specialist and Executive Assistant to all three managing partners. With extensive experience in sales and human resources, Rebekah focuses in recruiting, client relations, and operations. She is excited about expanding her knowledge of Mortgage Lending. Rebekah holds a B.B.A in Management from Baylor University Hankamer School of Business.

Daniel Cooper, CMB
Senior Consultant
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(512) 977-9900 ext. 402, Direct Line: (713) 893-5219, Cell: (713) 206-8321

As a Certified Mortgage Banker (CMB), Dan Cooper brings more than 25 years of extensive Secondary Marketing experience to the MBS team.  He is a veteran of many cycles in the business and has managed secondary marketing trading, sales and back office operations for companies whose production ranged from $500 million per year to over $6 billion per year.  Mr. Cooper has employed a variety of philosophies and systems in the process and understands the advantages and disadvantages of each in relation to a company’s risk/return profile.  Additional experience includes purchasing, selling and hedging large mortgage loan servicing and security portfolios, creating and managing a profitable de novo mortgage company, and implementing and managing FAS 133 hedge accounting systems and procedures for a $36 billion mortgage servicing portfolio and a $4 billion per year wholesale oriented mortgage company.  Mr. Cooper received his BSBA degree in Finance from the University of Florida and his MBA from Florida Atlantic University.  He resides in Houston, Texas where he enjoys time with his wife Kimberly and 3 children.

Gerard J. Heinz, CPA
Senior Consultant
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(512) 977-9900 ext. 402, Direct Line: (215) 275-6054

Jerry Heinz has over 25 years of experience in the mortgage banking industry. In that time, he has held senior roles in finance, secondary marketing, mortgage operations, servicing and mortgage related technology. Jerry’s consulting resume spans back-office operational reengineering, warehouse lending audits, technology reviews, technology design, project management, servicing valuation and reviews and default management. He has also designed and managed the development of multi-channel mortgage production systems. In doing so, he has selected and integrated best of breed applications for product and pricing, document capturing and imaging, and laptop origination.

In support of his technology consulting, Jerry has performed analytical reviews of production and servicing operations for acquisition, consolidation, and reengineering. Additionally, he has performed M&A reviews of servicing platforms including accounting, collections, foreclosures, and operational analysis. Jerry has also conducted Warehouse Lending Reviews for First Collateral, National City, and MidAtlantic National Bank, during which he reviewed many of the client server applications evaluating integration points with the warehouse lenders and recommending changes to provide controls throughout their operations. Further, Jerry has operated as an interim CIO to facilitate the process, design, development and implementation of various systems.

Jerry has been a proponent of e-commerce solutions working with various firms and investors to implement paperless processing and servicing solutions and promoting data centric architectures to provide analytical and decisioning support of a final e-Mortgage Solution.

David Hopson
Senior Consultant, Director of Secondary Marketing
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(512) 977-9900 ext. 104, Direct Line: (949) 273-4197

With an unusually broad background in both business and technology, David is passionate about creating systems aligning people, process, technology and business strategy. He has 15 years of experience in the mortgage banking industry and is primarily involved with leading MBS' secondary marketing operations and its technology department, which oversees systems recommendation and integration. The son of an electrical engineer, he turned a lifelong interest in computers and math into a position as project manager and head developer for a project developing a loan origination software system from scratch. (When the company was sold, half of the company’s book value was attributed to this innovative system.) Due in large part to his efforts, David’s clients are exceeding their business goals – and MBS is fast becoming one of the nation’s premier mortgage consulting firms. David holds a BS in Business Administration with emphases in Finance and Marketing from the University of California, Berkeley and currently lives with his wife in Placentia, CA. Having been born and lived in Europe as a child, David speaks Italian, French and basic German and Spanish and enjoys traveling - especially to visit both his and his wife's families, who happen to be from the same Italian town.

Richard Hornaday
Senior Consultant
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(512) 977-9900 ext. 402, Direct Line: (864) 616-0820

After 20+ years in the mortgage, financial and real estate industries, Richard Hornaday has developed exceptionally strong experience in the mortgage business. He has held executive level positions at several corporations, managed operations in servicing, Quality Control, licensing, due diligence and compliance. He most recently founded, and served as President and Partner of Mortgage of America, a mortgage broker in Greenville, SC generating $1M in fee revenues in 2005, its first full year of operation. At MBS, clients appreciate the fact that Richard can drill down to the smallest detail, while remaining mindful of the big picture – and driving change at their own company. Richard lives in Greenville, SC, with his wife and two children where he is Elder in the Presbyterian Church, and serves on the board of a nonprofit facility for developmentally delayed and abused children.

Patrick Intiso, CPA AMP CMB
Senior Consultant
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(512) 977-9900 ext. 402, Direct Line: (530) 308-8120

Patrick Intiso has served as the CFO and Director of Secondary Marketing for several mortgage banks throughout his twenty-five years of Real Estate and Mortgage Banking career. After becoming a CPA at Cal State, Northridge, Patrick began his career as an Audit Supervisor with KPMG Peat Marwick and quickly attained the CFO position for General Electric Mortgage Corporation. Patrick spent a significant amount of his career acting as principle consultant for PVI Consulting in Auburn, California before moving on to Manager of Warehouse Lending for Gateway Bank FSB, and Manager of Secondary Marketing for American Pacific Mortgage. Patrick is an accomplished financial manager, having managed simultaneously the warehousing, secondary marketing, and a mortgage bank’s $120 million operational budget and all of its accounting and reporting activities. He has a unique background rooted in Commercial Real Estate Lending and Residential Mortgage Banking, specializing in Broker to Banker “startups”. Patrick became a CPA with KPMG Peat Marwick in 1977, attained the status of Accredited Mortgage Professional from the School of Mortgage Banking in 1984, and became a Certified Mortgage Banker in 2005.

Vaughn Pearson
Senior Consultant
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(512) 977-9900 ext. 402, Direct Line: (214) 405-6667

Vaughn Pearson has broad-based senior management experience in the financial services, consulting, and accounting industries. He has served in executive roles of Chief Lending Officer and Chief Credit Officer in Dallas-area banks and thrifts for more than 25 years. In addition, he has 10 years of experience with major firms involved with the financial services consulting: Computer Sciences Corporation, Deloitte & Touche, and EDS, where his activities included roles as subject matter expert in lending and collections redesign in Federal contracts, leader of control self-assessment engagements for large insurance companies, and overseer of credit risk system implementations at regional banks. As part of MBS, he serves in supervisory oversight roles at troubled institutions on behalf of regulatory agencies, and has been fully vetted by the FDIC for leading asset liquidation teams in failed banks.

Vaughn also has an international speaking practice, having served on the faculties of RMA – the Risk Management Association – and the Southwestern Graduate School of Banking for more than 30 years. He is an adjunct professor at LeTourneau University, and has authored numerous articles for professional journals on topics ranging from corporate governance to small business development activities. Vaughn also holds a BA from Duke University and an MBA from Tulane University.

Matt Robinson
Agency Specialist
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(512) 977-9900 ext. 121, Direct Line: (843) 230-7783

Matt Robinson has gained an immense amount of experience and expertise over the past four years while serving as a staffer at the US Department of Housing and Urban Development (HUD). While there, he served in multiple positions including working directly with the HUD Secretary in Washington DC, at the Federal Housing Administration, and most recently in the department within Ginnie Mae that reviews and approves all new Ginnie Mae applications. Anyone who has dealt directly with HUD has found out just how impenetrable that government agency can be. There are many layers of red tape and mind numbing processes where if the “t’s” are not crossed and the “i’s” are not dotted properly, you can find yourself extremely frustrated with excessive time delays. Let Matt help your company prepare your Ginnie Mae or other agency applications and advise you through the approval processes. Even after you have thoroughly and accurately completed the application process, it can still take a while to get approved. But with Matt involved, your chances of moving smoothly through the process are greatly increased. And there’s no question it is nice to have someone on your side that has worked within Ginnie Mae, has personally been involved in every step of the process and knows those involved within Ginnie Mae. Additionally, Matt is available to advise executives and their staff on the most effective ways to get started on doing business with HUD and Ginnie Mae. Matt holds a Bachelor of Science degree from the University of South Carolina.

Kip Turpen
Business Development Manager
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(512) 977-9900 ext. 112

Kip is a versatile sales executive with a track record of more than 20 years experience driving company growth and meeting production and revenue goals. He leverages strengths with more than 10 years experience in the mortgage industry working within the retail origination, wholesale and correspondent segments of the market. Kip’s passion for delivering the very best solutions and providing ongoing support to his clients is top priority.

His prior background also includes sales engineering and product development in the high-tech industry delivering complex data, voice and video solutions to the fortune 500 market place. His success has earned him top honors as well as the respect of those he works with. He excels in delivering high-impact presentations, offering proven abilities in cultivating positive relationships with customers, suppliers, and the public.

Kip’s interests include dirt biking having participated in Motocross and GNCC events. He also enjoys most things outdoors including camping, time by the lake and relaxing in the backyard. Kip is happily married with 4 children, 2 dogs, 3 cats, 2 saltwater fish tanks and a rabbit.

Thomas L. Johnson, CPA
Business Development Manager
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(512) 977-9900 ext. 114

Tom is an enthusiastic consultative sales professional, passionate about helping clients solve problems and move their businesses to the next level. Tom listens attentively to his clients as he encourages them to share their business goals and concerns. With this information and careful analysis of all available data, Tom identifies the right resources to help his clients succeed and realize their visions.

Tom began his 30 year career in business as an accountant with Ernst and Young, a “Big 4” firm. At the same time, he also earned an MBA with an emphasis in finance from Old Dominion University. He is a member of the American Institute of Certified Public Accountants. Tom subsequently worked in the areas of real estate finance and development, business operations, management, and sales. As an entrepreneur, Tom owned and operated a number of businesses, including a privately held commercial mortgage brokerage firm.

Tom and his wife Sharon live in Alpharetta, Georgia, where they happily raised their twin daughters. Tom now enjoys cooking and traveling with Sharon.

Shelly Rogers
Senior Consultant, Accounting & Strategic Finance
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(512) 977-9900 ext. 105

Shelly is a veteran in the Mortgage business with experience as an owner of a mortgage lender, a senior executive of a national mortgage bank, and a consultant supporting the financial management of several mortgage banks. With her extensive expertise in accounting and QuickBooks she is able to help mortgage lenders accurately determine their financial condition and establish control procedure to protect themselves from corporate fraud.

Shelly currently manages the accounting function and warehouse activity for several mortgage banks. Her focus on operational efficiency and her expertise in financial management explains why her clients consider her input essential to their operation.

Shelly holds a B.S. in Business Administration with an emphasis in Accounting from the California State University - San Marcos. She enjoys camping, waterskiing, snow skiing, and spending time with her family.

Suzanne Adele
Six Sigma Black Belt
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(512) 977-9900 ext. 402

Suzanne is a Six Sigma Black Belt and a solution oriented Executive with extensive experience in Operational Excellence and Process Optimization. She is an influential leader with the demonstrated ability to cultivate collaborative business relationships based on integrity and trust. She is skilled in strategic planning and tactical implementation having worked with some of the largest lenders in the county including Chase Bank and Bank of America where she demonstrated expertise in: program and project management, operational excellence and data management and security.

Suzanne holds certifications as Six Sigma Master Black Belt, Integrated Project Management Certification, and has CISSP course work completed. She holds both Bachelor’s degree and Master’s degrees from St. Mary’s College in Moraga, California.

Paul M. Peters, CMB
Senior Consultant
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(512) 977-9900 ext. 106

Over his 34 year career, Paul Peters has been involved in every operational and financial aspect of the mortgage banking arena. Paul began his career as a staff appraiser, moved on to owning his own mortgage origination brokerage and eventually became President of a major bank-owned loan origination/servicing company operating in 42 states and generating over $7.5 billion in annual mortgage production.

Throughout his career, Paul has served his industry on both national and local levels. He has served on Fannie Mae’s National Housing Advisory Council and on the national Residential Board of Governors (RESBOG) of the Mortgage Bankers Association. He has also been an active member of state and local mortgage industry boards as well. Paul also served as a board member with the Baton Rouge Children’s Capital Area CASA (Court Appointed Special Advocate) Association for several years.

Paul holds a bachelor’s degree in Finance, and also holds the Certified Mortgage Banker (CMB) designation – the highest professional designation awarded through the Mortgage Bankers Association of America. He currently resides in Baton Rouge, Louisiana with his wife Monica.

Mary Anne Gallagher
Sales Associate
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(512) 977-9900 ext. 108, Direct Line: (225) 752-4088, Cell: (225) 938-1306

Mary Anne has 23 years experience in the mortgage banking industry; covering mortgage operations, sales, and marketing. Prior to joining Mortgage Banking Solutions, Mary Anne’s previous experience includes retail mortgage originations, processing, underwriting, wholesale and correspondent lending, residential construction lending, and staff training. She rose to the position of Mortgage Division Vice President within a major national bank and has produced a top volume of over $1.7 Billion in Correspondent Lending Sales. Most recently she has been an independent mortgage banking consultant and trainer; assisting community banks to create synergistic solutions for new mortgage division start ups and/or expansions.

Throughout Mary Anne’s career she has repeatedly won business awards for “Best Business Builder” and “Outstanding Customer Service and Production”. She has also been an active member of the Mortgage Bankers Association, the Capital Region Builders Assn., and done volunteer work for the American Heart Association.

Mary Anne holds a B.A. in Speech/Broadcast Communications from Southeastern Louisiana University. Raised in Covington, Louisiana, Mary Anne now lives with her husband in Baton Rouge, Louisiana.

F. Anthony “Tony” Musgrave, JD
Senior Consultant, Former General Counsel
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(512) 977-9900 ext. 107

Trained as a lawyer,* F. Anthony “Tony” Musgrave has broad experience in the mortgage industry. He has served as the Executive Vice President for a national mortgage lender operating in 50 states, the District of Columbia, Guam and the U.S. Virgin Islands with over 600 branch offices and 4,000 employees. The company held approvals from HUD, VA, FNMA, GNMA, and USDA. Mr. Musgrave was the Executive officer in charge of Legal, Compliance, Licensing, Quality Control and Internal Branch Audit, also serving as a Vice President to a related national wholesale lender. He was formerly a Vice President and General Counsel for a national wholesale home equity lender and servicer operating in 50 states with more than 1,000 employees, where he was involved with the issuance of asset backed securitizations.

Mr. Musgrave has worked extensively with risk and operational matters including regulatory examinations, wage and hour policies and procedures, internal branch audit, quality control, and loan repurchase and indemnification issues. He wants to help companies with current matters as they arise, as well as developing an overall risk management strategy that is pro-active.

Tony makes his home in Houston, Texas with his wife, children, and assorted pets. He is a member of several professional organizations and acts as a volunteer mediator for the Harris County Dispute Resolution Center. Tony holds a B.S. in Business and a Juris Doctorate, both from Oklahoma City University.

*MBS is not a law firm and does not provide legal advice or services.