About Plaza Home Mortgage, Inc.

Plaza Home Mortgage, Inc. has earned a well-deserved reputation as an esteemed industry leader by serving our communities through both wholesale and correspondent lending production channels. Plaza has been in business since December 2000, and manages an extensive system of regional loan centers from its San Diego, California Corporate Headquarters. We are dedicated to building quality, long-term relationships with our customers by offering comprehensive programs and exceptional customer support. At Plaza, we are committed to providing outstanding service levels throughout each transaction and for the duration of every business relationship.

Meet Plaza's Executive Team

Kevin Parra
Kevin Parra   Co-Founder & President
Mr. Parra is co-founder and President at Plaza Home Mortgage, Inc., where he is responsible for the overall strategic direction of the company. He tirelessly emphasizes quality customer experiences, superior service levels and strategic execution. He holds more than thirty years of experience in all facets of mortgage banking including production, operations, and secondary marketing. He is currently a Fannie Mae Customer Advisory Board Member and also serves on the California Mortgage Bankers Association Board of Directors. Under Kevin's direction, Plaza Home Mortgage, Inc. was recently recognized as the largest corporate contributor to Susan G. Komen San Diego. Plaza Home Mortgage, Inc. has earned a well-deserved reputation as an esteemed industry leader by serving communities through both wholesale and correspondent lending production channels. Plaza has been in business since December 2000, and manages an extensive system of regional loan centers from its San Diego, California Corporate Headquarters. Plaza recently ranked 4th in top Wholesale volume according to the Scotsman Guide's Top Mortgage Lenders list for 2015. Mr. Parra has a Bachelor of Science degree in financial services and a Master's degree in real estate, both from San Diego State University.
James Cutri
James Cutri   Co–Founder & Executive Vice President, National Production
Mr. Cutri is co-founder and Executive Vice President, National Production of Plaza Home Mortgage, Inc. Mr. Cutri has over 20 years of mortgage banking experience. Before co-founding Plaza, Mr. Cutri was a Wholesale Account Executive for New America Financial, a wholly-owned subsidiary of Aegis Mortgage Corp. Previously, Mr. Cutri was a top producing loan officer for both Avalon Mortgage Corp. and Fleet Mortgage Corp. Mr. Cutri has a bachelor of science degree in public administration and planning from the University of Southern California.
Mike Fontaine
Mike Fontaine   Executive Vice President, Chief Financial Officer
Mr. Fontaine is responsible for financial reporting and budgeting, treasury and cash management functions, information and technology systems, warehouse lending, legal, human resources, marketing and communications, strategic planning and project management. Before joining the company in 2004, Mr. Fontaine was the Director of Finance for Enovation Graphic Systems, a subsidiary of Fuji Photo Film U.S.A., Inc. He was responsible for the financial performance of the $100 million Western region business segment. Previously, he was the Chief Financial Officer for Nelson-Keystone , a multi-state graphic arts distribution company that was sold to Enovation in 2003. Mr. Fontaine's career includes several senior financial positions in closely held companies, including a mortgage broker/banker, a clothing manufacturer, a communications and advertising company and a real estate development company. Mr. Fontaine is a Certified Public Accountant and holds the Certified Mortgage Banker designation from the Mortgage Banking Association. He has a bachelor's degree in management science from the University of California, San Diego and a master of science degree in accountancy from San Diego State University.
Julie Manson
Julie Manson   Executive Vice President, Operations
Ms. Manson holds over 30 years of experience in mortgage lending and is currently responsible for overseeing Lending Operations and Risk Management at Plaza. She joined Plaza in 2009 and has been instrumental in enhancing the company’s operational risk, regulatory and compliance management activities. Ms. Manson held similar positions with other independent mortgage banking and thrift organizations, where she was responsible for business strategy, credit policy, operations, compliance and policy development. She is currently a member of the Mortgage Bankers Association’s Legal and Regulatory Committee and Quality Assurance Subcommittee and is a Board Member of the Mortgage Compliance Professionals Association of America. Ms. Manson earned a bachelors degree in Business Management from the University of Phoenix.
Michael Modell
Michael Modell   Executive Vice President, Capital Markets
Mr. Modell is responsible for risk management of Plaza's pipeline and the overall management of the secondary marketing department, which includes pricing, products, selling and delivering loans to correspondents. Mr. Modell's main focus throughout most of his career in the mortgage banking industry has been primarily on pipeline risk management and mortgage backed trading. Before joining Plaza in 2004, he was an Assistant Vice President for IndyMac Bank in Pasadena, Calif., where he was responsible for hedging a pipeline in excess of $2 billion of monthly rate locks. Previously, Mr. Modell was Corporate/CMBS Bond Trader for Countrywide Securities Corp., where he created and developed a trading desk that regularly carried positions in excess of $100 million. Mr. Modell has a bachelor of science degree in accountancy from California State University, Long Beach and an MBA from the University of Southern California. In addition to being a Certified Public Accountant, Mr. Modell holds both Series 7 and Series 63 securities licenses.

Carol Carson
Carol Carson   Senior Vice President, Chief Compliance Officer
Ms. Carson is responsible for regulatory reporting, licensing, policies and procedures, examinations, and regulatory compliance related to mortgage lending and consumer protections. Before joining Plaza, Ms. Carson had been engaged in mortgage banking for 30 years, working primarily in regulatory compliance positions with federally- and state-chartered banks, thrifts, law firms, and independent mortgage banking companies. While with a nationally recognized law firm, Carol's main duties included assisting clients with enforcement defense matters and communicating with GSE, federal agency, and state regulators concerning mergers, acquisitions, and licensing. Ms. Carson holds a bachelor's degree from NC Wesleyan College and a MBA from National University. She has also earned a post-graduate legal assistant certification from the University of San Diego.
Kathi Lauduski
Kathi Lauduski   Senior Vice President, Chief Underwriter
Ms. Lauduski is responsible for the credit quality performance of the company, as well as for setting company credit policies, facilitating credit committee meetings and providing underwriting direction and training to all branches. Ms. Lauduski also handles the communication efforts between the agencies and Plaza. Prior to joining Plaza in 2014, Ms. Lauduski was the national fulfillment center manager for Bexil American Mortgage in San Diego, where she redesigned and managed its national wholesale fulfillment center. Previously, she managed a team of 200 employees as manager of Bank of America's fulfillment center in Pasadena, Calif. She was also the fulfillment center manager and underwriting manager at Countrywide Home Loans, after working as a Senior Underwriter for Fleet Mortgage.
Ralph LoVuolo
Ralph LoVuolo   Senior Vice President, Wholesale Production Support Manager
Mr. LoVuolo oversees the operations of Plaza's wholesale origination channel. In addition, Ralph oversees Plaza's post funding activities, including shipping and government insuring. Before joining Plaza in December 2010, Mr. LoVuolo held the position of Senior Manager, Chief Underwriter for Ocwen Financial. Previous to that, Mr. LoVuolo owned Fraudmit, a quality control and risk mitigation company that performed quality control audits for over 280 mortgage companies in 33 states. In addition, Mr. LoVuolo has held management positions at several mortgage banking organizations over his 16-year career in the mortgage industry. Mr. LoVuolo has a degree in sociology from Adelphi University.

Robert Gerardi
Robert Gerardi   Vice President, Information Systems
Mr. Gerardi is responsible for the management of all of the company's information systems, including SQL reporting, application development, web development, and systems analysis. A Plaza associate since 2005, Mr. Gerardi has excelled at creating and maintaining infrastructure to support Plaza's growth. He manages a team of 15 IT professionals who keep Plaza's information systems flowing smoothly. Prior to joining Plaza, Mr. Gerardi provided IT support for Nelson-Keystone, ultimately being promoted to IT manager. Mr. Gerardi earned a bachelor of science degree in accounting from San Diego State University.
Jane Latchford
Jane Latchford   Vice President, Controller
Ms. Latchford is responsible for Plaza's Accounting and Finance department which includes cash management, warehouse line management, financial reporting, investor accounting, accounts payable, accounts receivable and budgeting. Ms. Latchford joined the Plaza team a few months after its inception in April, 2001. As the company has grown, she established the accounting, HR and servicing Departments and implemented departmental policies and procedures. She has been instrumental in creating systems by which the departments could effectively execute the selling and servicing of loans to the GSEs and GNMA. Before joining Plaza, Ms. Latchford was the founder and president of Latchford & Latchford, a full service tax and accounting practice. Ms. Latchford has a bachelor of science degree from the University of Vermont and a master's degree in accounting from National University.
Rich Martinson
Rich Martinson   Vice President, Secondary Marketing
Mr. Martinson is responsible for product development, GSE and secondary market investor relationships, and mortgage insurance relationships. Prior to joining Plaza in 2008, Mr. Martinson was with Vertice, a division of Wachovia Securities and successor to American Mortgage Network in San Diego, where he was responsible for product development and held management positions including home equity sales manager. Previously, Mr. Martinson was with Wells Fargo Mortgage Resources, where he was a mortgage operations analyst and underwriter. Mr. Martinson is a graduate of San Diego State University and holds a bachelor's degree in economics.
Shannon Moore
Shannon Moore   Vice President, Marketing & Event Management
Ms. Moore is responsible for all of Plaza's marketing, communications and special events initiatives. One of Plaza's longest serving associates and its first executive assistant, Ms. Moore joined the company in 2005 and has worked her way up through increasing levels of responsibility. Her current responsibilities require her to budget, plan, coordinate and execute extensive corporate meetings and special events; manage travel company-wide; direct the company's marketing and communication strategies and staff; and oversee all administrative staff and initiatives. Before joining Plaza in 2005, Ms. Moore worked with McMurry as an executive assistant in sales and marketing. She held other executive assistant positions before that. Ms. Moore earned a bachelor's degree in communication, with an emphasis in organizational communication, from Arizona State University.
Alicia Wadsworth
Alicia Wadsworth   Vice President, Human Resources
Ms. Wadsworth is responsible for ensuring Plaza's human resources and training strategies are in compliance with applicable labor laws, regulations and agency standards. She oversees human resources, leadership development, training, culture, compensation, associate relations, succession planning, associate engagement, policies and procedures as well as Plaza's workforce. Before joining Plaza in late 2013, Ms. Wadsworth held the position of Vice President of Human Resources and Risk Management for Pristine Environments. Previous to that, Ms. Wadsworth was Manager of Benefits and Safety for San Diego Regional Airport Authority. In these positions, Ms. Wadsworth was responsible for human resources business strategy, executive leadership, human resources, training, risk management, talent management, culture and policy development. Ms. Wadsworth also worked at SOMC Group, Inc., where she held the position of Director of Human Resources. Ms. Wadsworth has a degree in business management from the University of Phoenix.