The Stearns Lending management team is comprised of leaders who are dynamic, collaborative and deeply engaged with sales and operations team members, as well as clients and relationship partners. In fact, some of the brightest minds in the mortgage business work at Stearns. The company has attracted and retained top talent at every level and in all disciplines. At Stearns Wholesale, our leaders – from our regional leaders to our senior strategists – all have the experience and the willingness to help you succeed.
Wholesale Leadership Team
Managing Director, Wholesale
Michael Royer's Biography
With more than 20 years of mortgage banking experience, Michael Royer brings extensive expertise and knowledge of wholesale lending to his current role as Managing Director, Wholesale at Stearns Lending. He previously served as Senior Vice President – Director of Wholesale at Stearns. Prior to joining Stearns, Michael was a Divisional Sales Leader at MetLife Home Loans. He also held senior sales leadership positions in the wholesale business lines at Bank of America Home Loans and Countrywide Bank. Earlier in his career, Michael provided expertise as a mortgage banking consultant, and was the National Sales Manager for Wholesale and Correspondent Lending at Cityscape Financial Corp.
SVP Wholesale Divisional Sales Leader - Western Division
Nick Pabarcus's Biography
Nick Pabarcus brings more than 16 years of mortgage banking experience in sales management and production to his position as SVP Wholesale Divisional Sales Leader - Western Division at Stearns. He brings an analytical approach and broad knowledge of counterparty risk, manufacturing quality, file flow, margin management, organizational leadership and sales disciplines to his leadership role. Prior to joining the Company, Nick served with Bank of America’s Correspondent Lending Division and held various management positions, including Vice President, Regional Sales Manager. He is a graduate of the distinguished Future Leaders Program offered by the Mortgage Bankers Association, and is active with the MBA as well as the California Mortgage Bankers Association, where he is a member of several strategic planning committees.
SVP Wholesale Divisional Sales Leader - Eastern Division
Michael Gallo's Biography
With expertise in wholesale lending that spans more than 20 years, Michael brings a strong track record for growing market share to his leadership role at Stearns Wholesale. His leadership experience encompasses sales, operations, fulfillment and many other aspects of doing business in the wholesale production channel. Michael works closely with Regional Sales Leaders and other team members to support efforts to meet the organization’s long-term goals and vision.
Prior to joining Stearns Wholesale, Michael served as Senior Vice President of National Operations Wholesale Lending at Caliber Home Loans. He has held leadership positions throughout his career, including: National Wholesale Fulfillment Executive at MetLife Home Loans; Senior Vice President, National Operations at Bank of America Home Loans; and Divisional Executive Vice President at Countrywide.
RVP, Wholesale Sales Pacific Northwest
Gary Szymanski's Biography
Bio coming soon!
RVP, Wholesale Sales
Southern California/ HI
Melissa Armstrong's Biography
With more than three decades of experience in all aspects of wholesale channel sales and operations, Melissa brings exceptional leadership and management skills to her responsibilities as Regional Vice President and Sales Leader at Stearns Wholesale. She is responsible for the Company’s growing Southern California presence in the wholesale marketplace.
Prior to joining Stearns, Melissa served as Regional Sales Manager for Nationstar Mortgage. She served as Area Sales Manager for Wells Fargo Home Mortgage’s wholesale channel for ten years, and grew the business to include more than 1,000 broker accounts in Southern California and Hawaii. Melissa also led top-performing teams of wholesale sales and operations professionals at Western Financial Bank, Northwest Wholesale Mortgage and Independence One Mortgage.
RVP, Wholesale Sales Southern CA - North / AZ & NV
Brian Herbert's Biography
Bio coming soon!
RVP, Wholesale Sales
Dennis Waxman's Biography
Waxman was formerly the TPO Divisional Manager with FBC Mortgage where he established the Wholesale platform. He is an accomplished Wholesale leader with over 20 years of award winning Sales Management and Operations experience.
Prior to FBC, Waxman was the Southeast Regional Sales Manager for SunTrust Wholesale, Southeast Sales Manager for Plaza Home Mortgage and WaMu. In addition, he was a Branch Manager and Area Sales Manager for Countrywide Home Loans and Regional Sales Manager for Chase Wholesale. He is highly experienced with developing teams to increase market share. As a resident of Florida, he will be instrumental in driving Stearns Wholesale growth in the Southeast region.
RVP, Wholesale Sales
Jonathan McCash's Biography
A passionate leader who thrives on building energetic and top performing sales teams, Jon brings a wealth of experience in correspondent and wholesale mortgage banking to his position as Regional Vice President, Sales Leader of the Northeastern U.S. for Stearns Wholesale. He joined the Stearns team in June 2012 and during his tenure has led the Northeast to consistently achieve top-performance levels in annual production.
Prior to joining Stearns Lending, Jon held the position of Regional Sales Leader for MetLife Home Loans where he successfully recruited top talent that contributed to the market share growth of the Wholesale Lending Division. Earlier in his career Jon held leadership positions in the wholesale lending sales and sales management at Nation One and Bank of America.
RVP, Wholesale Sales
Becky Adcock's Biography
With more than 20 years of experience in wholesale, correspondent and retail mortgage lending channels, Becky brings a wealth of experience in sales and operations to her position as Sales Leader and Manager of Centralized Wholesale Sales at Stearns. Based in Illinois, Becky is responsible for managing a team of 12 Account Executives, as well as her own book of business. She is an exceptional leader who maintains strong broker relationships.
Early in her career, Becky worked as a wholesale closer and a senior underwriter. She’s also renowned for leadership as a sales development consultant, with expertise in training Account Executives and working closely with product and technology platform development. Becky held various positions during her 12-year tenure at Wells Fargo Home Mortgage prior to joining Stearns.
Senior Executive Management Team
David Schneider's Biography
Mr. Schneider is a seasoned mortgage industry executive with nearly three decades of experience. Most recently, he served as the President of Ditech and Executive Vice President and Chief Operating Officer of Walter Investment Management Corp. He has also previously held positions as President and COO of CitiMortgage, President of Washington Mutual Home Loans, Senior Vice President for Servicing Strategic Initiatives at JP Morgan Chase, and President and CEO of Vericrest Financial. Mr. Schneider received his BSBA in Accounting from Babson College and his MBA from Indiana University.
Chief Operating Officer, Executive Managing Director
James Hecht's Biography
James brings more than 20 years of mortgage banking sales, operations and strategic partnership expertise to his current position with Stearns. As a member of the Executive Management Team, James is responsible for leading and growing strategic production channels such as Consumer Direct, Builder, Credit Union Partners, and Marketing.
James received his Bachelor of Business Administration degree for Marketing from the University of Wisconsin – Milwaukee, School of Business Administration.