Aylesva Financial Solution

Carolina joins our MCapital Team with 35 years in a variety of industries including over 25 years of entrepreneurship. Having been able to give extraordinary customer service while maintaining strong interpersonal communication skills to diverse individuals is what drives her reputation.

Carolina comes with a bilingual background. She is detail-oriented with success in all projects she undertakes. She is driven to create optimal efficiency with honest, conscious efforts and hard-working qualities.

Carolina is determined to grow through her continual review and development of cutting edge strategies. She joins the team to offer the best in class execution of the team’s objectives with customer satisfaction excellence.

A hybrid of two worlds, an artist with technical experience, an experience that was years in the making. His career began in the automotive aftermarket industry. It was there where Evee changed his way of delivering marketing materials and providing solutions to increase awareness of the products and services. During this time, he switched gears into designing and developing websites to offer a more practical solution to businesses with a touch of creativity.

Because he was able to master both design and development, including email campaigns, Evee took a chance to operate his own marketing agency and the solutions began to grow in different industries and finally in the HVAC industry. It was during this phase that new skills were acquired, leading him to more opportunities.

As the Director of Marketing for MCapital. Evee is very confident that with the right strategies the company will be able to exceed its efforts in providing the best service to both consumers and business partners.

Career Highlights

2013-Present
Bloq Marketing – Founder
An online marketing solution agency that offers the proper bloqs to developed healthy online marketing strategies and implementation for businesses of any industry.

As a Project Director, his job is to design systems that use several applications for internal use. At the same time, he manages the development of websites and onboard new accounts. And from time to time he gets down with designing and he does it effectively. Bloq’s solutions are offered as a package, branding, website, email marketing, SEO, and PPC management.

2006 – Present
Ae Graphic Elements – Founder
A Designing and printing company that provides high-end printing and design.

2008 – 2013
Roadwire – Designer Engineer
The lead designer of marketing materials, and administrator of the classic division’s website. Manage products, and create manuals. Photograph a before and after of vehicle interiors.

Education

2001-2003
Westwood College of Technology
AA in Science and Technology | Graphic Design and Multi-Media

Agustin Galicia II is laser-focused on real estate. He has a wide base of experience in the field, culminating in his emphasis on property acquisitions for highly motivated investors. Previously, Agustin was the owner and CFO of a construction company, worked as Director of Finance for a retail center management company in the heart of the Las Vegas strip, as well as an Assistant Controller for the developer, builder, and manager of Multifamily buildings nationwide, and a CFO for a Land Syndicator with $450M AUM managing over 65 land syndications in the southwester United States.

In addition to his Real Estate experience, Agustin is committed to life-long learning and honoring his craft. Agustin holds a CPA license from the State of Nevada (inactive) and a Realtor’s license from the National Association of Realtors.

Amanda Celestia Diaz

Director of Business Development

Amanda spent 13.5 years in the United States Air Force as a Weather Craftsman. Some of her many responsibilities were operating atmospheric and space-sensing instruments and computer workstations to interrogate data from weather radars, meteorological satellites, and products provided by military, national, and international weather agencies. She would use a detailed understanding of the atmosphere and space environment to translate raw data into decision-quality environmental information. She managed weather operations, ensured quality training, and adapted resources to meet mission requirements. She decided to leave the military to pursue her passion of working in the real estate world. 

Thanks to her husband, who has been in the financial world for 20 years, she successfully started and runs her own credit restoration agency. Her agency is now partnered with MCapital and assists clients with both personal and business credit needs. Since 2022, she has been working closely with MCapital as a Non-QM brokerage and is excited to bring all her experience and skillset to the Hard Money Commercial space. 

As the Director of Business Development, Amanda is confident that she can foster more business relationships and help the company grow to new heights. 

Experience and Recognition

• Built and manages her credit restoration agency that is now a partnered with MCapital.
• Her team has generated over $50 million in residential and commercial loans in 2023.
• She was MacDill AFB’s top choice for weather lead during the Hurricane Ian evacuation in 2022 of 18.5K personnel & 28 aircraft. 

Expertise

• Amazing attention to detail, negotiation skills, managing equipment and records, and maintaining compliance.  
• Noteworthy problem-solving abilities.

Education

• A.A. in Accounting & B.S. in Management/Human Resource Management, University of Phoenix
• A.A. in Weather Technology, Community College of the Air Force
• Certificate in Human Resource Management, University of Phoenix
• State of Florida Real Estate Sales Agent #3560844

Driven, committed, humble, and exhibiting great entrepreneurial spirit. Rebekah brings a high level of numerical understanding which has allowed her success in all fields she has ventured. Rebekah is an accomplished real estate investor and Nevada Broker, bringing a vast wealth of knowledge in numerous areas.

While representing various investors, Rebekah picked up the skills and knowledge to flip houses. As a numbers person to the core, she quickly learned the power of understanding and leveraging capital. With a background in sales, she has always been able to communicate with people and deliver results as a top producer, performing over 100% ROI on all personal projects.

After a stint at the University of Texas, Rebekah has lived and traveled in various parts of the world learning as she goes. Rebekah keeps a sober mind and works hard for results, respects all people, believing it takes a village. She has the integrity to act on her clients best interest and confidence she will get results.

Mr. Hall holds a Master of Science Degree in Chemical Engineering at the University of Tennessee (UT, Knoxville, Tennessee, 3.8 / 4.0 GPA) and a Bachelor of Science Degree in Chemical Engineering at the Tennessee Technological University (TTU, Cookeville, Tennessee, 3.8 / 4.0 GPA). 

He has over 30 years of technical management experience in engineering design and development, environmental safety, nuclear technology, construction management of multimillion-dollar developments, and financial services.

Eddie received his degree in Kinesiology at the University of Southern California, driven by a passion for helping others. He then joined an Orthopedic office specializing in assisting workers injured on the job.  His mission was to help these hard-working and injured parties receive authorization for the treatment that they deserved. For many years, he worked diligently at ensuring the voices of the injured parties were heard.  He documented their stories of need, producing countless medical reports of hope.

Eventually, Eddie transitioned into real estate. Having worked in the medical industry, Eddie has continued his efforts to assist his clients founded on the compassion, hard work but most importantly, integrity he learned in the medical field. He has been working in real estate for the past several years, facilitating purchases and helping his clients navigate through the rigors of either a real estate purchase or Sale. In addition, he volunteers his time to assist homeowners facing foreclosure find the best sustainable option for them and their families.

Commercial Financing and Redevelopment –

Over 15 years experience in commercial business development & finance management services. A leader with proven ability to assume direction of strategic and tactical customer acquisition and retention. Plan and set cross-departmental goals aligned with current and future company objectives.

Exceptional skills communicating and collaborating with customers, partners, and all levels of management. Proven track record resolving complex business problems, projects and programs while working within matric-managed organizations.

Outstanding public speaking ability. Providing funding sources at 100% financing for JV programs, also IPO for businesses that need large loan amounts to go public.

Cultivated working relationships with current and potential commercial loan accounts up to $500 million.

Delivered insightful analysis with executable recommendations. Knowledgeable in relevant federal regulations and/or the Fair Debt Collections Practices Act.

I am a financial strategist who is passionate about helping people reach their goals. I’ve been in this exciting arena for the last 20 years. I have truly gained a wealth of knowledge and appreciation for those who can see a property, not just for what it is, but what it could be. I am here to make the difference that only I can make — connecting the right people with the right resources to achieve the right result.

“The Finest Compliment I Can Receive is a Referral from Past Clients and people like you. Thank you for your Trust.”

If you know anyone who is thinking of buying, selling a home, refinance or real estate loan, please let them know about me. Thanks!

“Connecting and Consulting” is the best way to describe who I am. I like to think of myself as the “Business Whisperer” who can extract what needs to be done.

Previous experience includes 10 years of banking and securities, 17 years of construction and a lifetime of excellence. MCapital Holdings is very privileged to have Marissa on the team!

In 2000 I began my career as a Loan Originator specializing in residential lending for first time home buyers. Soon after, I became a Real Estate Broker working in the West Los Angeles Area.

I am looking forward to helping you make the loan process simple and easy to understand so that getting a purchase loan or refinance is just another step in reaching your goals.

My team and I have funded more than $150 Million in the purchase and refinance of home loans during the past twenty years. I really have a passion and talent for helping individuals truly understand and enjoy the mortgage process.

As an industry veteran in residential mortgage loans, Stacy provides our clients with unparalleled customer experience. She has extensive knowledge and experience with purchase and refinances loans, including conventional, FHA, VA, USDA, and non-conventional loan programs. She prides herself in getting to know her client and finding the best program for their specific needs, whether they are looking for pursuing a loan for their personal residence or looking to invest in residential or commercial property.

Quickly rose to the top of her very first team, closing loans for clients who other loan professionals would turn away, simply because they required more than an easy standard mortgage loan.

Takes pride in the money she has been able to save for her clients who had equity in their home but were overwhelmed with debt and could not find anyone to take on their refinances.

Following market trends, has stayed on top of the ever-changing market and seamlessly adapts to the needs of her clients.

I have over 20 years of experience in the finance industry including being a mortgage originator, loan processor and CFO of a freight company. My expertise is in residential, investor and commercial lending.

I am married, have one daughter and one grandson who are my world. Family is everything to me. In my spare time I am a genealogist. I am a member of the DAR and Mayflower Society.

I come to MCapital with over 7 years of sales and customer service experience.
Driven by helping my clients out, I take pride knowing I provide the best experience
possible for my clients.

Originally from Ithaca, NY I worked as a career salesman since the tender age of ten years old. A consummate professional, specializing in consultative inside sales to C-Level Executives, ultimately impacting the MCapital’s bottom line sales numbers in a positive directional flow.

After becoming FINRA registered (Series 6&63) Sylvester worked in New York at 40 Wall Street, as a Financial Services rep for First Investors ultimately linking 8 area New York Regional Hospitals by producing FREE retirement planning workshops for first year attending physicians.

Sylvester has enjoyed a 20+ year sales career over a broad spectrum of industry vertices, including: Insurance and Financial Services, Telecommunications, Information Technologies, Hospitality, Broadcast Television & Entertainment, Wine Sales, Automobile and Aerospace

A consummate professional, specializing in consultative inside sales to C-Level Executives, ultimately impacting the MCapital’s bottom line sales numbers in a positive directional flow.

Chad is a licensed Mortgage Loan Originator with over 14 years of experience in the finance industry. He takes pride in developing relationships and providing a excellent customer experience with each of his clients. He knows how exciting it is to own a home as he has bought and sold many homes over the years.

Owning real estate can have a positive impact on your financial plan but he also knows the precautions to take when investing in your primary residence, second home, or investment property.

Chad’s goal is to help each client meet their overall goals with their own real estate investment strategy. Whether you have one or several properties in your real estate portfolio. He can help you reach your real estate investing goals.

Sonya Harris has successfully received her license for Virginia, Florida, Georgia & South Carolina. Driven by dedication, to assist homeowners and investors with all funding needs. In addition to her primary job functions, she was recognized by “Customer feedback surveys” for benevolent service & consistent communication during the funding process.

Mr. Marshall Field has more than 30 years of experience as a senior executive officer, where he has served as
Chief Executive Offer/and Chief Financial Officer of Commercial Real Estate Advisory Group LLC, and
development.

Mr. Field has extensive background in the consultant advisor in both sales, marketing, equipment, operations
and real estate. These skill sets fit into the business expansion in this area in development, and in operations.
Marshall Field is a Commercial Real Estate agent in both Commercial and bulk sales advisor to source and
analyze commercial Real Estate acquisitions for large institutions. He has been working with and for major
Real Estate investment banking firms as a licensed commercial Real Estate advisor since 1977 and working
hand and hand as an Investment Banker, which gives him over 30 years of experience in marketing
investments in Real Estate, investment banking and other investments. Mr. Field is responsible for strategic
planning of new facilities and capital. I have helped finance major projects for cities throughout the State of
California and across the United States. He has been responsible for assembling teams of investors for major
projects, which included City, County, and State facilities development projects.

Mr. Field is a General Building Contractor and developer in the State of California, who has experience and
specializing in development and has held a California General Building Contractor License 359997.
Mr. Field has operated and managed a large and successful marketing, sales, and investment banking
organization in both running Real Estate and Investment banking for and owned and operated Broker
Dealers.

Mr. Field, currently ownership in a Real Estate Company in California for Commercial Real Estate Advisory
Group, LLC. Mr. Marshall Field and Company has been doing business in Los Angeles, California and
Phoenix, Arizona since starting the Investment Banking, Real Estate, firm of Commercial Real Estate
Advisory Group, LLC.

Mr. Field holds Department of Transportation FAA (Aviation Certificate), Advanced Open Water Diver
(Padi, Scuba), and college California State University, Northridge, Ca. Bachelor of Science, Business.

Thank you for reading my profile and I look forward to working with you soon.

I am an experienced Business Adviser/Consultant with knowledge of a wide array of funding products. I have managed accounts for business owners (merchant lending) and I have assisted business partners with mobile home projects as Traditional Funding objectives. For the past 3 years, I’ve had the pleasure of partnering with GFS consulting Group/Garcia Regions assisting with Private money Funding Projects in Santa Cruz County & Monterey County. I am pleased to announce that I can now assist with all of your Funding Needs across this beautiful U.S of A. Please feel free to contact me with your current funding needs and I will always do my best to get back to you in a timely manner with an educated answer to your questions. I am available 24-7 and always a text, email, or phone call away. I look forward to speaking with you in the near future.

Jeff Brown is one our new hires to the MCapital Holdings team! He brings a wealth of experience to our company. Jeff has been in the mortgage industry for over thirty years and was previously a President and CEO of a mortgage company for seventeen years. He posesses excellent customer service and communication skills and enjoys seeing the end results with closings and happy clients! When Jeff is not helping clients realize their dreams he enjoys fishing, hiking, canoeing and the outdoors. He resides in the Kansas City area and is an avid Royals and Chiefs fan.

Aaliyah went to Cal State Northridge, studied economics, and minored in Ethnics Studies. Because of her background in economics, she is proficient in data analysis and market research, which aids in the home buying and selling process.

Aaliyah took an interest in real estate from witnessing gentrification before her eyes since she grew up in West Oakland. As an Eas bay native, she knows they are like the back of her hand.

In pursuit of becoming a realtor, Aaliyah also acquired her Loan Orientation license, which is advantageous for the buyer she is knowledgeable about various mortgage products.

Linda C. Moore brings over 20 years of experience in the retail and business lending. Linda has over 40 years of customer service and is committed to her clients to make sure they receive the best all around experience. She has extensive knowledge of all lending platforms in the financial industry.

Linda makes sure the clients needs are met and goes the extra mile to ensure they are completely satisfied. Outside of work, Linda enjoys spending quality time with her children and grandchildren as well as traveling and being active with her church.

After graduating college in 1995 with a BS in Economics, Jason went to work in the consumer finance and residential mortgage business. With 27 years of experience, Jason has helped thousands of people purchase and refinance residential and business-purpose properties. Jason’s experience includes President of Atlas Mortgage and Financial Services, Senior Vice President at the Federal Savings Bank, and President of VIP Home Loans.

Jason recently joined MCapital Holdings as a Sr. Business Consultant to help Commercial Real Estate Investors and Real Estate Developers secure financing, matching the client’s needs to the proper. resource.

Before Greg started his career in mortgage lending he was on the other side, borrowing funds to fix & flip single-family homes and expand his own portfolio of rental properties. After a few years of flipping, Greg realized he enjoyed the financial aspect of real estate far more than the renovation side, so he redirected his knowledge and expertise into a different part of the industry. Greg boasts more than 10 years of experience in mortgage lending, working for both residential and commercial brokerage firms. He also has experience working directly for lenders, giving him a unique and relevant insight to help package deals and ensure they’re funded on time.

John Pipes has over 20 year’s experience working with the simple to complex for Business Owners needing Real Estate Lending products with Investment Properties.

Mr. Pipes has worked with thousands of transactions, holds advanced certifications, has major skills working with the changing guidelines from hundreds of Bank and Non-Bank Lending sources.

He believes in the wealth building solutions found in Real Estate.

Growing up as a military dependent and later, becoming a Veteran of the United States Air Force, Angelo Falto always understood the value of hard work and dedication. A licensed Mortgage Broker/Banker, his own hard work has certainly paid off in spades. He has consistently attained top of the class honors with numerous President Club awards. His utmost ability to make his clients feel at ease, as well as his ability to think outside the box has earned him a stellar reputation among his clientele.

Angelo’s years of vast experience is very evident as he has vast knowledge of today’s mortgage, lending industry and niche programs. Angelo has enjoyed being a resident of McKinney Texas for the last 22 years. He enjoys, when not busy helping his clients, walking his dog, wining and dining, and spending time reading novels.

As markets for mortgages have become more competitive, however, the role of the mortgage broker has become ever more so popular.

Out of high school Kenneth had ambitions to pursue a degree in business at Cal State Hayward. Family circumstances forced Kenneth to assist in the family business. Kenneth’s work ethic and determination led to the family business sales increasing dramatically. He expanded his family’s plastic bag manufacturing company which eventually purchased a large warehouse. This purchase influenced Kenneth’s interest in Real Estate.

Kenneth ultimately obtained his real estate license. He has assisted homeowners as well as buyers in real estate transactions. He has worked with reputable brokerages like Century 21, Berkshire Hathaway and Re/Max. In addition, he donates his time to assist homeowners facing foreclosure find the most suitable solution given their unfortunate circumstances.

I am a South Florida Native who loves the beaches, sun , and everything Florida lifestyle. Traveling is a passion of mine. I love learning and experiencing new cultures.

I have been in the Mortgage industry for 20years, and am passionate about helping others realize their dreams of homeownership. With my 20yrs of experience I have been on all sides of the mortgage transaction, and bring a lot of knowledge and experience to each and every file. I look forward to continuing to help others.

Fran Arias is a Senior Loan Processor with over 20 plus years experience. Working on both the Residential and Fix and Flip side. Excited to transition over to the Fix and Flip and Commercial side and able to utilize my extensive processing Skills and be part of MCapital Holdings LLC Team.

David Figueroa is an entrepreneur at heart.  He has started 2 companies and enjoys working with other like-minded individuals.  His experience with lending covers SBA loans, Equipment, and A/R financing as well as Commercial and Residential Real Estate.

Tiana joins our MCapital Team with 30 years in a variety of industries including over 20 years of real estate loan processing. Having been able to give extraordinary customer service while maintaining strong interpersonal communication skills to diverse individuals is what drives her.

She joins the team to offer the best in class execution of the team’s objectives with customer satisfaction excellence.

I am Desiree Gonzalez, a very dedicated, loyal employee with a strong work ethic. A self-starter, and very thorough with high energy, and love working with others. I am a fast learner and have extensive experience in most areas of the mortgage, real estate, and building industries.

I’ve never had any disciplinary action, or relieved of my duties, nor laid off. However, I have received several awards for customer service, excellence and been given growth opportunities. I am very optimistic and have years of training solving problems with a strong focus in analytical structuring.

Ten years of experience in the Real Estate Industry having positions in Consumer Lending & Commercial Real Estate Banking (C&I and CRE).
A creative, energetic, result directed professional, with high-credit quality and customer service standards. Self motivated ability to prioritize, organize and coordinate projects, handle multiple tasks and meet deadlines in a fast-paced high- volume environment.

Experience

Cherrywood LLC 04/19-03/20
Commercial Credit – Underwriting Manager
Responsible and accountable for credit underwriting of new credits and existing and/or new customers. Analyze prospective loan submissions from commercial loan officers and review credit worthiness of borrowers. Validate the credit analysis and provide credit recommendations to Chief Credit Officer regarding proposed credit credit and potential risks. Ensure all due diligence and background evaluation is complete and thorough before completing and submitting “Underwriting Narrative”. Apply technical and creative solutions in structuring complex loans for customers. Prepare and evaluate financial statements, cash flow analysis, collateral and values, historical financial information, cash flow projections, and third-party reporting (e.g., Lexis Nexis, 4506T, credit reports, Industry analysis and determining credit structure and terms. Prepare the “Underwriting Narrative” form. consistent with company’s format, policies and procedures. Provide credit alternatives and structure the loans in ways to ensure that the loans are profitable. Maintain up to date knowledge of all company’s lending policies and regulations. Work closely with legal and loan documentation to ensure loan documents are accurate prior to closing. Manage loan pipeline daily to ensure all files are current and Loan Officers and their sales team are notified of any potential issues that may arise during the loan processing and underwriting.

Citizens Business Bank 05/14-01/19
Small Business Loan Center – Credit Officer-Supervisory role
Work closely with Relationship Managers, Portfolio Bankers and Business Center Managers to evaluate the financial needs of prospective and existing customers while minimizing the overall credit risk to the Bank. Analyze and interpret financial and non-financial data decisioning the request with a goal to achieve the optimal quality asset for the bank while satisfying the needs of the borrower. Analyze borrower’s financial documents, prepare financial spreadsheets, interpret business financials, evaluate company assets to structure revolving lines of credit. Prepare cash flow analysis, DSCR, collateral based loans. Recommend and support appropriate loan risk grades. Portfolio underwriting consisted of Multifamily, 5+ units, mixed used, Office, Retail, Light Industrial, Business lines of credit-Asset Based Lending. Kept communication throughout the process of loans with Relationship Managers/Loan Assistants to obtain information needed to underwrite renewals and new loan requests. Perform annual reviews and monitor covenant compliance. Assist and work with Relationship Manager on sizing the loans. Assist them with loan scenarios and course of action on the complex and financially sensitive underwriting issues. Ensure documentation for loans is accurate and complete. Prepare loan for final approval with credit narratives and make final recommendation to Chief Credit Officer of the Bank.

Private National Mortgage Acceptance Company (PennyMac) 12/12- 12/13
Sr. Conforming and Jumbo Underwriter
Underwrite Mortgage loans to ensure compliance with company and secondary market investor (DU and LP) guidelines. Responsible and accountable for credit underwriting of new loans, refinances and modifications. Analyze borrower’s financial documents, credit report, title commitment, collateral, calculate insurance and property tax impounds, and determine borrower’s assets. Examine loan documentation for accuracy and completeness. Prepare financial spreadsheets and cash flow analysis. Review appraisals and satisfy loan conditions. Ability to interpret and apply financial information. Determine if loan meets internal credit policies and investor guidelines. Review loan for all regulatory and compliance disclosures. Support our Compliance Team for responses on audits and corrections. Input and process loan data in Encompass origination system.

Sky Financial and Real Estate Services, Inc. 05/03-11/12
President-Broker
Managed a retail branch with a sales team. Originated purchase money first mortgages and refinances for 1-4 properties. Process and analyzed prospect files. Reviewed credit, income, purchase contracts and asset analysis to determine borrower’s suitability for specific mortgage products. Once determined prospect customer met all investor guidelines, submitted credit package for review and approval to our correspondent lenders. Reviewed all conditions set by the investor and ensured all conditions were met prior to closing. Offered Jumbo, Conforming (FNMA/FHLMC, SBA loans. Branch obtained FHA approval and was able to offer FHA products. Developed and nurtured relationships for new business, with Real Estate Agents, bank personnel, CPA’s, attorneys and Escrow Companies. Responsible for agency compliance with all state and federal lending regulations including but not limited to the Mortgage Broker Practices Act, RESPA, REG Z, Reg B, TILA, FCRA, ECOA, UDAP and the Fair Housing Act.

Nations Bank/Bank of America 05/00-3/03
Regional Sales Coordinator
Assisted in managing sales staff to assigned Region. Coordinated regional sales meetings. Organized and directed all training for all new Account Executives. Trained and developed Account Executives, training consisted in understanding mortgage products, underwriting standards, products and guidelines compliance standards and credit quality based on Agency and secondary market investor guidelines. Responsible for maintaining a positive and professional relationship with customers and business partners by responding promptly for all requests in a responsive, consistent and accurate manner. Maintain and cultivate an effective working relationship with internal (loan production staff, branches, and credit administration. Performed and served as a liaison to the REO Department, assigning REO properties to realtors. Monitored performance and approved new Realtors added to the Real Estate Network. Assisted Regional Sales Manager in meeting production goals. Maintained a high degree of communication and customer service with operation staff. Ensure loan originations submitted by Account Executives meet underwriting guidelines and compliance. Analyzed loans for completeness, restructured loan and arbitrated underwriting decisions based on FNMA/FHLMC Guidelines. Trained the sales staff in underwriting and operational process and credit policy. Reviewed and approved all possible loan scenarios and loan guideline/pricing exceptions presented by Sales Staff. Summit for final approval to secondary market.

Education
Bachelor of Arts, Communications. University to La Verne
California Real Estate Broker Licensee; Lic # 01193985 2010
Registered Loan Originator NMLS #272849 May 2011
Appraisal Certification

Memberships

Arcadia and California Association of Realtors
California Association of Mortgage Brokers -CAMB
REO Broker Organization-REOMAC