John Romero
BRE NO: 00477474
NMLS ID: 242665

Direct: (650) 401-3235

John founded RMC in 1976. He specializes in real estate lending and liability management. He has developed RMC's lender relationships, customer service guidelines and marketing programs. He manages a vast client network and continues to create systems to make RMC a better choice for his customers.

John has a degree in aeronautics. He enjoys horseback riding and scuba diving.

Michael Romero
BRE NO: 00881857
NMLS ID: 306617

Direct: (650) 401-3230

Michael has been a licensed Mortgage Broker with RMC Real Estate Loans since 1983. Before joining RMC he was a tax auditor with the California Franchise Tax Board. Michael has a strong understanding of real estate finance and offers his clients extra personal attention to make sure they get the best loan options for their needs.

Michael has a B.S in accounting from San Francisco State University. He enjoys living on the coast, music, film and sports.

Lorraine Haddock
BRE NO: 01202840
NMLS ID: 303856

Direct: (650) 401-3231

Lorraine has been involved in real estate lending since 1983 and with RMC since 1997. As a former processor and underwriter, she understands how to structure your loan to get you the best program and rate available. Lorraine is proficient in residential, commercial and apartment financing. To better serve her clients, she continues to work with new lending institutions to stay on the leading edge of the most competitive loan programs.

Lorraine grew up in the Burlingame/Millbrae area and continues to live there with her husband and two dogs. She is a former member of SAMCAR, Downtown Burlingame business Association and Mills High School PTO. In her spare time she enjoys shopping, traveling and boating with her family.

Vince Lew

Direct: (650) 401-3242

Vince has been with RMC since 1989 as a Corporate Controller. Vince has been responsible for managing RMC's business functions including marketing, accounting and technology. He assits both the administrative and sales staff, manages the corporate budget and has established business policies that has made RMC one of the most credit worthy businesses in the Bay Area.

Vince has a Bachelor of Science in Business Information and Computer Systems from San Francisco State. He enjoys traveling and jogging.

Matt Hesselgren
BRE NO: 00957708
NMLS ID: 246229

Direct: (650) 401-3226

Matt is a licensed Real Estate Broker and has been involved in all aspects of mortgage since 1986. His motto towards his clients is "treat them like they are your family".

Matt was raised in Burlingame and is a graduate of Burlingame High School (1980) and the University of California at Davis 1985.

Matt enjoys outdoor activities and traveling. He is married to his wife Holly and they have a son named William.

Deme Cross
BRE NO: 00605453
NMLS ID: 252879

Direct: (650) 401-3239

Deme has been a licensed Real Estate Broker since 1987. For the first 11 years, she sold homes and commercial properties on the Peninsula. Since 1998, she has worked exclusively in mortgage lending, both residential and commercial. The bulk of her business is generated through referrals from clients and Real Estate agents.

Deme has a BA and MA in English Literature, and a Paralegal Certificate. She is also a Court Appointed Special Advocate for Foster Children. She raised her 3 children in Foster City, where she still lives.

Chuck Emanuel
Loan Agent
BRE NO: 01490146
NMLS ID: 57743

Direct: (650) 401-3223

Chuck has been a licensed agent since 2006.  He has been involved in investing and managing real estate for 21 years.

Chuck is a native San Franciscan.  He graduated from St. Ignatius. He received a BA in Industrial Arts and a MA in Industrial Education from San Francisco State University. He then attended the University of Southern California for his Doctorate at the Rossier School of Education

Quality time with his family and travel are Chuck's passions.

Kent Flory
Loan Agent
BRE NO: 1152481
NMLS ID: 345766

Direct: (650) 401-3239

Kent has been involved in Real Estate lending since 1985. Half of those years were spent working in-house for banks and underwriting both commercial and residential properties. The remaining years have been devoted to working as a mortgage broker. "Bettering my clients current financial situation is my primary goal and function."

Kent has a B.S. in Business Finance. He enjoys sports, music, vintage cars and family.

Linda Kaiser
Sr. Loan Processor

Direct: (650) 401-3237

Linda joined RMC in 2008. She has been involved in mortgage lending since 1989. She is highly proficient with multiple lender applications and guidelines.

In her spare time, she enjoys traveling, working out and spending time with her family and grandchildren.

Dora Tai
Sr. Loan Processor/Loan Agent
BRE NO: 00991295
NMLS ID: 268463

Direct: (650) 401-3240

Dora joined RMC in 2007. Dora obtained her real estate license in 1988. She is highly-proficient with multiple lender applications, underwriting and loan management.

Dora is a graduate of UC Berkeley and enjoys traveling with her family and friends.

Kelly Lam
Loan Processor

Direct: (650) 579-2600

Kelly joined RMC in 2008. She is extremely knowledgeable of the mortgage industry and is a top level processor. She interacts with all of the credit reporting agencies, appraisal management companies and understands the ever changing requirements of our various lenders. She has a strong technical background and has mastered the industry software applications that keep RMC on the cutting edge.

Kelly is a graduate from the Fashion Institute of Design and Merchandising. She enjoys traveling, skiing, hiking and spending time with her family and friends.

Ben Swan
Loan Advisor
BRE NO: 01136842
NMLS ID: 322299

Direct: (800) 373-0929

Ben Swan has been a top producing Mortgage Broker in the Bay Area since 1996. Ben is an advocate for his clients in complex lending environments. Ben’s goal is to give his clients a clear understanding of their options, and deliver in a timely manner.

Ben is a graduate of Palo Alto High School and UC Berkeley and is a proud father of a teenage son and daughter.