David Lykken
President – Mortgage Strategies
Managing Partner
DLykken at MBS-Team dot com
(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 37 years of industry experience, David has garnered a national reputation as an industry expert. He is the host of the weekly radio program Lykken on Lending, with new episodes airing Mondays at 10:00am P/1:00pm E, as well as 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
ASchell at MBS-Team dot com
(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
CKlein at MBS-Team dot com
(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
LBridges at MBS-Team dot com
(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
RReddin at MBS-Team dot com
(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 - Secondary & Capital Markets
DCooper at MBS-Team dot com
(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 - Due Dilligence, Accounting
GHeinz at MBS-Team dot com
(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, Financial Modeling & Technology
DHopson at MBS-Team dot com
(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.

Vaughn Pearson
Senior Consultant - Commercial Banking
VPearson at MBS-Team dot com
(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.

Shelly Rogers
Senior Consultant, Accounting & Strategic Finance
SRogers at MBS-Team dot com
(512) 977-9900 ext. 105, Direct Line: (760) 201-9395

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 - Project Management
SAdele at MBS-Team dot com
(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.

F. Anthony “Tony” Musgrave, JD
Senior Consultant, Former General Counsel - Labor / Buybacks
TMusgrave at MBS-Team dot com
(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.

Crystal Black
Senior Consultant - Accounting & Project Management
CBlack at MBS-Team dot com
(512) 977-9900 ext. 131

Crystal Black is the Data Management Accountant for Mortgage Banking Solutions. Crystal has over 8 years of professional accounting and finance experience. In addition to her mortgage banking experience, her comprehensive business background also includes client relations, government contracting, project management, operations, and logistics.

Crystal holds a Bachelor of Science from Texas A&M University-Corpus Christi and a Masters of Business Administration in Finance from St. Mary’s University Bill Greehey School of Business.

Crystal is originally from Corpus Christi, Texas and has made San Antonio her new home. She enjoys outdoor activities and spending time with her husband, David and their son, Malcolm.

Brian Johnson
Sales Associate
BJohnson at MBS-Team dot com
(512) 977-9900 ext. 120, Direct Line - (512) 501-2806

Brian has over 25 years of experience in the mortgage industry as a Loan Originator, Net Branch Manager and Mortgage Company Owner. During his career he has been affiliated with Mortgage Banking firms, Brokers and Banks providing insight on all types of mortgage banking operations.

His understanding of operational matters includes Originations, Accounting and Finance, Compliance and a keen focus on Current Events shaping the industry and Mortgage Companies today. He can help with identifying ways to improve efficiencies and eliminate problems so clients can achieve top performance. Brian really enjoys helping clients reach their potential and building long term relationships with those clients.

Along with the mortgage industry background, Brian has experience as a Title Insurance Agency Owner and holds a Real Estate Broker license giving him frontline exposure to nearly every facet of the Real Estate financing industry.

Brian and his wife live in Minnesota with their kids and enjoy spending time outdoors fishing and playing golf.

Thomas L. Johnson, CPA
Accounting Specialist
TJohnson at MBS-Team dot com
Direct Line - (678) 895-2139

He began his 30 year career in business as an accountant with Ernst and Young, a “Big 4” firm. While at Ernst and Young, he supervised the annual audits of one of the five largest residential mortgage servicers in the country. At the same time, he also earned an MBA with an emphasis in finance from Old Dominion University where he later taught undergraduate accounting. Tom 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 one of whom is a guidance counselor in South Carolina and the other is working on her PhD. in Optimization at MIT. Tom now enjoys cooking and traveling with Sharon.

Alice Alvey, Master CMB
Compliance and Training
AAlvey at Mortgage-U dot com
(512) 977-9900 ext. 402

Alice began processing loans in 1982, became an originator and then moved to underwriting and found her niche in operations. She was hired by a national wholesale and retail bank in 1989 as part of a small team to begin a TPO origination division and eventually became Senior Vice President of Operations. In this role Alice was responsible for all operations including underwriting, funding, post closing, servicing and quality control. She served as the corporate compliance officer, working directly with HUD, FDIC, FRB, Fannie Mae and Freddie Mac on all audits while the bank grew to close 3 billion in residential loans.

In January 1996, Alice partnered with Jan Wetzel of Wetzel Trott to start Mortgage U, Inc. ("MU"). MU has created countless customized training programs for classroom and internet learning from application through loan delivery and all things compliance and FHA. MU is an education partner with Campus MBA delivering their FHA programs including training for FHA on FHA single family and hospital products. In addition to education she has developed several products and services including automated compliance Health Checklists, appraiser credential management and customized procedure manuals for lenders, banks and credit unions across the country seeking to build compliant and efficient operations.

Alice is a Master Certified Mortgage Banker (CMB), designated by the Mortgage Bankers Association of America. Alice currently serves on the state board of the Michigan Mortgage Lenders Association as the education consultant and the advisory board for Habitat For Humanity Michigan Fund. She served on Fannie Mae’s Risk Management Advisory Counsel and as an instructor for Fannie Mae’s Housing Finance Institute; In 2000 she received the Vic Miller Outstanding Mortgage Banker award from the Michigan Mortgage Lenders Association. In 2009 she received the James T. Barnes award for significant contributions and outstanding dedication throughout the years to the mortgage banking industry.

Jon Traver
Production Consultant - Branching, Recruiting and LO Training
JTraver at MBS-Team dot com
(512) 977-9900 ext. 112, Direct Line - (972) 467-3990

Jon Traver has spent 12 years forging referral relationships with builders and realtors for his own mortgage company. Now, Jon takes his skills and helps others do the same. Jon is an entrepreneurial Sales Executive with an excellent track record of helping both new and established mortgage companies in multi-state territories and regions grow their businesses. Skilled at developing strong relationships, providing consultative sales and driving revenue growth, Jon trains executives, branch managers, and loan officers how to redefine who they are and what they do. He then helps them build a game plan for taking that new knowledge to the streets, including the execution.

Jon has expertise in turning-around under-performing mortgage companies, including helping them hire, train, mentor and develop high-performing teams. He also has extensive experience working with Branching companies to grow their businesses through branch and LO acquisition, as well as building long term business development plans.

Jon lives in Dallas, Texas with his wife Jennifer, son Austin, and daughter Madison. He enjoys playing golf, ice hockey, and watching his daughter play softball.