The Management Team
Brett McGovern
President
Brett McGovern is a Founder, the President and Board Member of Bay Equity LLC. Mr. McGovern has more than 16 years experience in real estate sales and lending. Prior to co-founding Bay Equity, he was a Senior Vice President of Grubb & Ellis Company in San Francisco. He is responsible for key corporate functions including investor and warehouse line relations, oversight of accounting and secondary functions, marketing and corporate communications.
Jon McGovern
Managing Director
Jon McGovern is a Founder, a Managing Director and a Board Member of Bay Equity LLC. Mr. McGovern has 18 years experience in real estate lending. His broad experience covers underwriting, sales and executive management. He is responsible for key corporate functions including human resources, operations and technology.
Casey McGovern
Managing Director
Casey McGovern is a Founder, a Managing Director and Board Member of Bay Equity LLC. Mr. McGovern is in his tenth year as a mortgage industry sales professional. He is responsible for managing Bay Equity's wholesale and retail loan production.
John Curtin
Director of Business Development
John Curtin is a Founder of Bay Equity LLC and has more than 16 years of experience in consumer finance and lending. His management experience includes operations, underwriting and sales. He is responsible for business development and Bay Equity's recruitment effort for both the wholesale and retail platforms.
Dave Hardin
Director of Retail Production
Mr. Hardin brings more than 20 years of Retail and Banking experience to Bay Equity. His experience includes 10 years with Hawthorne Savings as Executive Vice President/Chief Banking Officer. He has served in management positions in retail banking, lending production and operations as well as sitting on various management loan committees. He has also served as an executive at World Savings, Columbia Savings, Valley Federal Savings and Downey Savings.
Spencer Ricardson
Director of Pacific Northwest Production
Spencer Richardson brings more than 16 years of experience within the residential wholesale and retail mortgage banking business. As the founder of two mortgage banking companies his management experience includes secondary marketing, strategic planning, operations, underwriting and sales. He has focused his career in the Pacific Northwest and is now leveraging that experience to expand Bay Equity's presence in the market.
Julie Taylor
Director of National Operations
Ms. Taylor brings to Bay Equity more than 10 years of experience in Underwriting and Credit Risk Policy. Her areas of expertise include product development, investor relations, guidelines, quality control and compliance. As a former VP of Operations and Underwriting she is strong in both the retail and wholesale lending.
Chad Santander
Director of Secondary Marketing
Mr. Santander has 17 years of Mortgage Banking experience. The focus of his career has centered around the Capital Markets through trading and pricing roles with Freddie Mac and Tuttle & Co., as well as conduit, correspondent; and wholesale sales with ABN AMRO, HSBC, and Paul Financial.
Philip Mikolaj
Director of Information Technology
Philip Mikolaj brings to Bay Equity an impressive track record in information technology and senior level management. His background includes creating state-of-the-art IT systems for fast growing mortgage companies and start-ups. Plus, he has been responsible for implementing mortgage banking software at more than 100 mortgage bankers nationwide.
Paul Chevez
Director of Finance
Paul Chevez has nearly 20 years experience in the mortgage industry. After starting in 1993 as a retail loan officer, he migrated to the secondary marketing and finance sides of Mortgage Banking. He has held the roles of Controller, CFO, and Director of Secondary Marketing. At Bay Equity, his main responsibilities will be to assist in the strategic development of the company and to manage all financial functions.
Jim Corbett
Chairman of the Board
Mr. Corbett is a respected and experienced entrepreneur and business leader. He founded the Sacramento Entrepreneurial Academy which prepares highly motivated students from University of California, Davis and Sacramento State to successfully create and manage new businesses. He was Chairman of the Dean's Advisory Council for the UC Davis Graduate School of Management. He served for a decade as Vice Chairman/Board Member of Sacramento Commercial Bank, a $200 million bank that was sold in 2000. He is currently Chairman and President of Spectrum Capital Corporation.