Our Team

LEADERSHIP
Our managers have a long track record of success in creating financial products and services tailored to the needs of their clients—having successfully built or turned around multiple business lines, within some of financial services’ most respected companies.

Christopher Mayer, PhD
Chief Executive Officer
Christopher Mayer, PhD

Dr. Mayer earned a PhD in economics from MIT, and serves as Paul Milstein Professor of Real Estate at Columbia Business School. He has been with Longbridge Financial since its founding in 2012—first as Chief Credit Officer, and later taking over as CEO in 2013. Previously, Dr. Mayer served as Senior Vice Dean and Director of the Milstein Center for Real Estate at Columbia, and has held positions at the Wharton School and the Federal Reserve. He has spent more than 20 years writing on housing and mortgages, with funding from sources such as the National Science Foundation, the U.S. Department of Housing and Urban Development, the Pew Charitable Trusts, and publications in the top economic journals. He testified six times before the U.S. Congress during the financial crisis and frequently appears in the media—with appearances in The New York Times, Bloomberg, The Wall Street Journal, the Financial Times, among other outlets. Chris is committed to bringing the strategic value of reverse mortgages to today’s older Americans, with a responsible approach that helps ensure a more secure retirement.

Manjiang Xu
President & Chief Operating Officer
Manjiang Xu

Prior to founding Longbridge Financial, Manjiang Xu was Chief Operating Officer of New York Life Home Equity Income LLC, a startup for Home Equity Conversion Mortgage (HECM) and proprietary reverse mortgages. This role combined company-wide leadership of operations, information technology, sourcing, and strategies. Manjiang previously worked in New York Life’s M&A department, and oversaw the agency, telemarketing, and bank distribution channels of several Asia-based operations. Manjiang earned an MS in Computer Engineering from Wayne State University, and an MBA from the University of Michigan’s Ross School of Business.

Melissa Macerato
Executive Vice President, Sales & Marketing
Melissa Macerato

Melissa has more than 20 years of experience as a senior leader, launching and growing new business ventures into profitable, market-leading programs within large corporations. Over the past 14 years, she has held various positions within the MetLife organization—including the launch of MetLife Bank and the development of MetLife’s reverse mortgage business, which grew into the #1-ranked reverse mortgage program in the nation. Prior to joining MetLife, Melissa was a Vice President with MBNA America, and a Senior Director at GE Capital.

 

LOAN OFFICERS: Not just a voice over the phone.

If you’re already working with a Longbridge Financial Reverse Mortgage expert, we’re pleased to help you put a face to that voice, and get to know them just a bit better. If you’ve not yet been introduced to your personal guide through the Reverse Mortgage process, please call 855-523-4326 to get started.

Jerry Auippa
NMLS # 215606
Jerry Auippa
NMLS # 215606

Before switching to the mortgage industry, I was the General Manager of Food & Beverage at the Golden Nugget Casino in Laughlin, Nevada with 25 years’ experience in the food & beverage industry. While in Nevada, I worked with seniors every day, and witnessed firsthand the financial challenges they face. A close friend of mine took out a reverse mortgage and it helped her live so much more comfortably. Since I’ve always liked helping people, I knew changing my career and becoming a Reverse Mortgage Consultant would be the perfect fit. In addition to helping seniors, I enjoy spending time with my family and an occasional game of golf.

To get started, give me a call today at 855-523-4326.

Chris Bahr
NMLS #180597
Chris Bahr
NMLS #180597

Born and raised in the suburbs of Seattle, Washington, I loved snowboarding on the weekends and watching Mariners baseball and Seahawks football games. I attended college in Orlando, FL and then moved back to Seattle, where I spent a decade in the technology industry prior to starting my career in Reverse Mortgages. I strongly believe in the Reverse Mortgage program, as it has helped my grandparents ease their financial stresses and better enjoy retirement. More recently, I’ve had the honor of helping my parents secure a Reverse Mortgage as well.

To get started, give me a call today at 855-523-4326.

Barry Barnes
NMLS # 111701
Barry Barnes
NMLS # 111701

Originally from Oklahoma, Belmont, North Carolina is now my home. Although I have a finance and accounting background, I have been in the reverse mortgage business for 22 years. The best part of what I do is helping seniors and their families live a financially stress-free life. As a father of two sons, when I’m not in the office I enjoy doing anything outdoors.

To get started, give me a call today at 855-523-4326.

Saher Bawany
NMLS # 1416759
Saher Bawany
NMLS # 1416759

I have been working in the banking and finance industry since 2004, including the last three years exclusively in the mortgage industry. As a Reverse Mortgage Consultant, I am able to create relationships with my clients to help change their life in their golden years. Hearing the joy in a customer’s voice thanking me for helping them achieve their retirement goals lets me know that I have done my job right.

To get started, give me a call today at 855-523-4326.

Arlet Clemente
NMLS #450887
Arlet Clemente
NMLS #450887

Originally from Venezuela, I now call Charlotte, North Carolina my home. I’m fluent in English and Spanish and enjoy helping seniors of all backgrounds leverage the power of their home equity to live a better life in their retirement years. My favorite part of my role is guiding my clients with honesty and integrity to understand all aspects of the Reverse Mortgage, and ultimately helping them bridge the gap between financial reserves and longevity. Prior to working in the Reverse Mortgage business, I spent several years in the Real Estate and Insurance industries. Outside of work, I enjoy spending time with my family, hiking, traveling, and trying new restaurants.

To get started, give me a call today at 855-523-4326.

Steven Cornelius
NMLS # 187284
Steven Cornelius
NMLS # 187284

I’m from Iowa, but now call Topeka, Kansas home. I’ve spent most of my career in financial planning, and have my CLU, ChFC and Series 7 credentials. I’ve been in the reverse mortgage industry for 14 years, helping seniors make decisions that positively impact their lives. I have three kids, four grandkids, a cat, a dog and a goldfish. I relax by fishing or hunting.

To get started, give me a call today at 855-523-4326.

Derek Day
NMLS # 877096
Derek Day
NMLS # 877096

Originally from Owensboro, Kentucky, I now call Sugar Land, Texas my home. I’ve been in the mortgage business since 2008, initially specializing in marketing and lead generation and then earning my license in 2012. My favorite part of working in the Reverse Mortgage business is having the opportunity to help people during retirement years and making it as comfortable for them as possible. Outside of work, I am an active eBay seller and have earned “Power Seller” status. I spend most of my free time with my long-time girlfriend, Cecilia and her two grandkids, ages 2 and 6.  I am passionate about health and nutrition and maintain an active lifestyle, working out 4-5 times per week.

To get started, give me a call today at 855-523-4326.

Mena Effat
NMLS #1927641
Mena Effat
NMLS #1927641

A native of the great city of Charlotte, North Carolina, I have several years’ experience in mortgage lending and real estate. I am licensed in several states and am currently attaining licenses in even more, so that I can help seniors across the country experience financial well-being. This is a passion of mine. Outside of the office, I enjoy going on long walks, taking in nature’s scenery, cycling, cooking, watching the latest documentary and spending quality time with my family. I am recently engaged and cannot wait to marry my fiancé and start a beautiful, happy family of our own (in addition to our beloved Shih Tzu – she brings us lots of joy and laughter!)

To get started, give me a call today at 855-523-4326.

Carl Ekstrom
NMLS #1413644
Carl Ekstrom
NMLS #1413644

A native of upstate New York, I have spent the past 7 years extensively travelling and now call the “Plaza-Midwood” neighborhood of Charlotte, North Carolina my home. I have 20 years’ experience in both the mortgage lending and real estate industries and transitioned exclusively into Reverse Mortgages 5 years ago. Currently, I am licensed in 10 states and am actively pursuing additional licensing to help serve more clients across the country. My favorite part of working in the Reverse Mortgage space is lessening the burden seniors face being on a reduced income, ultimately allowing them to live out their retirement years worry-free while enjoying more quality time with loved ones. Outside of work, I enjoy volunteering, biking, hiking, woodworking, travelling, baseball, football, movies and home renovations. I have a 20-year-old son who is currently attending the University of Pennsylvania – he is my world! Amid my travels, I added to the family as well – rescuing a 17-year-old cat, named Leani.

To get started, give me a call today at 855-523-4326.

Megan Erickson
NMLS # 137582
Megan Erickson
NMLS # 137582

I live in Mount Holly, North Carolina with my husband and two sons. Having specialized in the Reverse Mortgage program for 6 of my past 17 years in mortgage lending, I’ve seen hundreds of customers realize the benefits of this program. I’m passionate about my work and seeing each of my clients live a more fulfilling retirement. In my spare time I enjoy sports activities with my two boys, cooking, renovating my 100-year-old home and cheering on the Carolina Panthers.

To get started, give me a call today at 855-523-4326.

Michael Frey
NMLS # 1454065
Michael Frey
NMLS # 1454065

Originally from the Chicago area, I now call Conroe, Texas my home. Before becoming a HECM Consultant, my wife and I owned an underwriting, processing and closing company for 20 years so I understand the loan process from all the different aspects. Working in the reverse mortgage industry is extremely rewarding profession in which I can set up individuals or families with a sustainable long term financial plan for their future. In my free time, I like to garden and BBQ.

To get started, give me a call today at 855-523-4326.

Greg Groh
NMLS #459436
Greg Groh
NMLS #459436

Raised in Phoenix, AZ, I’ve lived in Huntington Beach, CA and now call Porter, TX my home. Prior to my career in Reverse Mortgage origination, I practiced law. Fifteen years ago, I transitioned into Reverse Mortgage origination, and have been exclusively in the reverse business ever since.  My favorite part about my job is having the opportunity to talk with seniors and learn about their wants, needs and retirement goals. I also enjoy the special sense of satisfaction that comes with knowing I’ve helped them get there. Outside of work, you can find me spending time with my wife of 32 years, my daughter, and my two grandsons – as well as working on my golf game at courses throughout the greater Houston area.

To get started, give me a call today at 855-523-4326.

Connie Hedrick
NMLS # 145305
Connie Hedrick
NMLS # 145305

I’m from Central Florida, and now live in Troutman, North Carolina. I’ve been in the mortgage industry for almost 20 years and love what I do. At almost 62 years of age I can relate so well to my customers, and I get to help people just like myself live mortgage payment free. In my spare time I like to go boating and camping with my sons.

To get started, give me a call today at 855-523-4326.

Joe Ioppolo
NMLS #106995
Joe Ioppolo
NMLS #106995

Licensed in 20 states, I have worked almost exclusively on Reverse Mortgages since 2006. A second career for me, I originally spent several years in business management and technology, as well as 4.5 years in the AirForce as a Weather Forecaster. Now a senior citizen myself, I remain committed to assisting seniors and their families in making the important decision as to whether or not a Reverse Mortgage is right for them. My favorite part of my job is getting to speak with seniors to identify their retirement goals, and ultimately make sure that the Reverse Mortgage can help them get there.

To get started, give me a call today at 855-523-4326.

George Kidney
NMLS # 6171
George Kidney
NMLS # 6171

Originally from Syracuse, New York, I now live in Charlotte, North Carolina. I have more than 25 years in the mortgage business, the last four exclusively in reverse mortgages. It’s very rewarding being able to work with seniors and their families to help them accomplish their retirement objectives. Off hours I enjoy playing golf or spending time with my wife, three children and six grandchildren.

To get started, give me a call today at 855-523-4326.

Rob Kistler
NMLS #816368
Rob Kistler
NMLS #816368

A native of Charlotte, NC, I have nearly two decades’ experience in the real estate and mortgage industries. My favorite part of my job is being able to assist seniors to obtain Reverse Mortgages so they can reach their financial goals and live out retirement to its fullest potential – all with less stress and more resources. Meeting new people, hearing their stories, and ultimately being the person that helps them find their ideal solution is extremely rewarding to me.  Outside of work, I love spending quality time with my 86-year old mother, watching the Carolina Panthers, Tar Heel basketball and golf. I also enjoy tennis, bowling, dancing, and occasionally some cooking! I’m a proud member of Forest Hills Presbyterian Church and the US Tennis Association, where I play in leagues and tournaments.

To get started, give me a call today at 855-523-4326.

Jesse Lirette
NMLS # 1251503
Jesse Lirette
NMLS # 1251503

With 17 years of experience in the mortgage business, I am committed to providing outstanding service and leadership to educate my clients on the Reverse Mortgage. I’m dedicated to providing a sound financial solution in a respectful, honest, and compassionate environment when consulting with each client. Originally from the Louisiana area, I now call Houston, Texas my home. When I’m not working, I enjoy fishing, spectator sports, and spending time with my 4 children, 9 grandchildren, and 2 great-grandchildren.

To get started, give me a call today at 855-523-4326.

Gerica Muir
NMLS # 1514433
Gerica Muir
NMLS # 1514433

Originally from Phoenix, Arizona, I now call Houston, Texas my home. I began my career in the Reverse Mortgage business in 2016 as a loan originator, following in the footsteps of my father. In 2018, I transitioned over to the servicing side where I became familiar with the back-end operations processes of Reverse Mortgages, giving me a more well-rounded knowledge of the program. Now, back in the originations field, I am loving the ability to play such an integral role in creating freedom and stability for seniors throughout their golden years. Outside of work, I can be found spending time with my husband and 3 children, all under the age of 5 years old. It’s hectic – but truly rewarding!

To get started, give me a call today at 855-523-4326

Michael Osgood
NMLS # 927365
Michael Osgood
NMLS # 927365

After graduating from the University of Colorado, I began my career in the mortgage industry and now have over 10 years of experience in the business. I enjoy educating seniors about the reverse mortgage, discussing retirement strategies and the satisfaction of preparing them for their future. I have lived in California, Oklahoma, Colorado, and now I call Houston, Texas, home. I’m an uncle to 6 amazing nieces and nephews. When I’m not working, I enjoy playing golf, traveling and watching Indianapolis Colts football.

To get started, give me a call today at 855-523-4326.

Ryan Barry Philip
NMLS # 418795
Ryan Barry Philip
NMLS # 418795

I live in Belleville, New Jersey with my wife of two years. With a degree in finance I have spent the last 10 years exclusively in the reverse mortgage industry. I enjoy working with seniors, learning about their life experiences. I love to play basketball and go fishing on Lake George, NY; Point Pleasant, NJ or Marco Island, FL when visiting my mother.

To get started, give me a call today at 855-523-4326.

John Pisani
NMLS # 885693
John Pisani
NMLS # 885693

I was born in Ringwood, New Jersey. After graduating from Wheeling Jesuit College in West Virginia, I began my career in the mortgage world and now have more than 25 years’ experience in the business. Helping people execute their financial plans through a reverse mortgage is very fulfilling to me. Whenever we can, my wife and I attend NCAA women’s gymnastics and USA swimming events.

To get started, give me a call today at 855-523-4326.

Ken Sawan
NMLS # 1098567
Ken Sawan
NMLS # 1098567

I am originally from Akron, Ohio and now reside in Marlboro, NJ. I come from a large family, I’m one of 11 children. I have two kids of my own, who are my world. I began my career in the reverse mortgage industry in 1991 and have extensive knowledge and experience in all areas from origination to processing. I have strong empathy for the financial challenges seniors face in retirement and hope to show you how a reverse mortgage may be able to help. In addition to helping seniors, I love hanging out with my kids, traveling, golfing, music, woodworking, and cooking.

To get started, give me a call today at 855-523-4326.

Steve Schwab
NMLS # 186476
Steve Schwab
NMLS # 186476

With an extensive 29-year career in the mortgage industry, including the last 15 years exclusively specializing in reverse mortgages, I love that I have a job that makes a difference in my clients lives every day. Nothing is more satisfying then helping retirees live more comfortably and worry-free. I am originally from Hawthorne, New York, but now currently reside in Basking Ridge, New Jersey. When I’m not working, I enjoy baseball, football, hockey and spending time with my wife and two boys.

To get started, give me a call today at 855-523-4326.

Jackie Tadlock
NMLS # 872238
Jackie Tadlock
NMLS # 872238

I live in Lancaster, South Carolina and am the proud mom of a 23-year-old son. After working in real estate, I’ve been in the reverse mortgage business exclusively for five years. My life’s calling is helping people and working in this industry has allowed me to be able to make a living doing just that. In my spare time I love to go fishing and camping.

To get started, give me a call today at 855-523-4326.

Denny Williams
NMLS # 1271716
Denny Williams
NMLS # 1271716

I currently reside in Cypress, Texas, but I’m originally from Houston. I have been specializing in Reverse Mortgages for the past 5 years. I’m a family man and have a beautiful daughter. I enjoy helping provide solutions for seniors and presenting them the opportunity to remain in their homes and retire with peace of mind. When I’m not working, I enjoy fine art, music, sports, and spending time with my daughter.

To get started, give me a call today at 855-523-4326.