ABOUT MCAPITAL HOLDINGS LLC.

Highly talented, motivated, and results-driven senior executive, powered with broad-based years of an impressive record of success in delivering multi-million dollars’ earnings/savings and operational efficiency improvements. Excel at revitalizing operations and reinvigorating underperforming, cross-functional teams and divisions to drive strong and sustainable productivity gains toward fulfillment of corporate goals. Adept at developing and implementing innovative solutions to complex and challenging problems with a hands-on, lead-by-example style that fosters a culture of teamwork, shared mission, and dedication to operational excellence. Highly capable to multitask in a fast-paced environment.

PROFESSIONAL EXPERIENCE

UNIQUE PROPERTIES GROUP | MCapital Holdings

• REAL ESTATE AND MORTGAGE PARTNER SERVING the US 2013-Present

• Recruiting and Hiring Sales Group in LA and OC areas in So. California

WESTERN PRESIDENT | HomeServices Lending 2008–2013
Direct and coordinate day-to-day operational aspects of a joint venture between Wells Fargo Home Mortgage and HomeServices of America–a Berkshire Hathaway Affiliate, which is recognized as the second-largest, full-service independent residential real estate brokerage firm and the largest brokerage-owned settlement services (mortgage, title, escrow, and insurance) provider in the United States. Build and cultivate long-term quality relationships by consistently providing exceptional customer service…

EDUCATION
Master of Business Administration Bachelor of Science in Business Management.

One of California’s Top Performing Lending Broker’s in the state of California since (1999) since statistics have been tracked by the NMBA. With over 30 years of experience, Michael Lee Santa Maria has become one of Southern California’s “Go-To” lending brokers and has maintained a respectable reputation for tenaciously protecting his client’s interests. Savvy negotiations and cutting edge marketing strategies joined with uncompromising integrity as the hallmarks of Michael’s service. Michael is exceptionally well-respected in his industry, not only for his unparalleled professional track record and high ethical standards but for being an honest, hard-working family man who does absolutely everything in his power to ensure his client’s success.

Thanks to his exceptionally loyal clientele, personal referrals, and repeat business form the foundation of Michael’s career. To ensure efficient, complete service for you, Michael’s associates all have been carefully selected from the very finest people in the financial world/business to form the most highly regarded and respectful team in the industry.

Experience and Recognition

• Built and managed two top national banking firms with over 300 employees each.
• Personally generated over $1.3 billion of residential and commercial loans.
• Was one of the top-producing mortgage brokers on the West Coast.

Expertise

• Exceptional attention to skilled negotiations, knowledgeable analysis of market values and market trends.
• Expertise and renowned credibility in resolving difficult transactions.

Education

• B.S. in Business Administration/ Marketing, San Bernardino State University
• State of California Bureau of Real Estate Broker #01177936
• NMLS Mortgage Loan Originator #1400421

Ando is an experienced real estate and finance professional with over 2 decades of development and finance history. He has personally managed the purchase and exit of existing and/or undeveloped real estate projects, revamping the value and design for resale or to hold as income producing assets. He has a vast array of knowledge in real estate development, creative finance, negotiating deals and project management.

As a very strong negotiator, Ando brings a new art form in the process of getting a deal under contract and bringing the project to life. Where other’s see a challenge, Ando see’s opportunity and value. His experience provides a great amount of value in private money finance, real estate design/build and management.

Besides spending time with his wife and 2 young children on his off days, Ando loves to spend time playing the piano, hiking and creating new adventures with his family and friends.

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

Nora Fregoso is a driven and passionate real estate professional with over seven years in the industry. Her career began in her early 20s as an Attorney in Puerto Vallarta, Jalisco, where she played a pivotal role in assisting numerous international clients with real estate transactions, marking the start of her journey in real estate.

Nora understands that the process of buying or selling real estate can be complex and stressful, and is committed to making it as smooth and stress-free as possible. Guided by her mentors at the beginning of her career, Nora believes that it’s important to advise her clients in the best possible way and provide them with options that allow them to make informed decisions.

She has gained a reputation for her naturally optimistic personality, trustworthiness, respectfulness, honesty, and integrity. Nora is a good listener who values her clients’ decision-making process. With a genuine concern for others, she is dedicated to helping her clients succeed.

As a fluent Spanish speaker, Nora is passionate about providing dedicated guidance to the Latino community throughout the entire real estate process, whether buying or selling. Her background as an Attorney in Mexico continues to strengthen her expertise, allowing her to skillfully guide families and investors seeking to expand their real estate portfolios internationally.

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.

With over 10 years of experience in sales and marketing, Mckenzie Michael Santa Maria has managed and built multiple brands within the sales industry.  Throughout her career, she has successfully increased profits through her expertise in contractual negotiations and in-depth understanding of SEO marketing. Santa Maria is a hard-working, driven, and dedicated individual who is willing to go above and beyond for her clients. McKenzie outside of work enjoys her days, snowboarding across the world, making sure her two-year-old pug is always spoiled and loving her family.

Expertise

• Sales and finances

• Expertise in SEO marketing and brand building

• Contractual negotiations

• Digital and social media marketing

For over 18 Years I have diligently worked in multiple positions encompassing loan processing. I have experienced the challenge of sales as a loan officer, the creativity required to satisfied stern conditions of underwriting while maintaining company quotas as a loan processor, and the patience and compassion needed to ease borrower’s apprehensions as a closing agent.

Greenlight Loans / Mr. Cooper
Closing Coordinator – 2014-2018

• Processed principally first mortgages
• Maintained a pipeline pf 30-60 loans per month/
• Calculated Income for W-2 and Self-Employed borrowers
• Reviews complete appraisal and tile reports

Financial Partners Credit Union
Real Estate Loan Processor 2013-2014

• Processed 1st and 2nd Mortgages, HELOC and Purchases including FHA, VA, Jumbo, and High Balances
• Gathered all conditions from borrowers, insurance agents, title agents, HOAs attorneys, employers, and closing agents needed to satisfied the loan deadline

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.

Danielle is a recent New York Conservatory graduate. She has more than 3 years of luxury customer service experience after working on 5th avenue. She is organized and is ready to help MCapital Holdings clients take the right steps towards success!

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