View-From-The-Bay-June-Final

VIEW FROM THE BAY

The Bay Equity Employee Magazine

SUMMER 2015 EDITION

FROM THE CEO & PRESIDENT......02
TEAM BAY....................................03
GRILLING FOR CHARITY..............05
WELCOME MINNESOTA..............06
BAY EQUITY SUMMITS................08
ILLINOIS ONBOARDING...............18
BAY HELPS HERO........................20
BAY BOWLER...............................21
100-MILE RACER.........................22
ADAIR ON THE AIR......................24
CALPAC AT PETCO FIELD.............26
BAY FAMILY..................................28
VEXING VIEW..............................28
HOUSE GUY ON THE ROAD...fe.na.et.uw.re..30
BAY TRIVIA...................................31

MESSAGE MESSAGE
FROM THE FROM THE
PRESIDENT
CEO

As you look through this month’s View from the I’ve spent a lot of time on airplanes the
Bay, you can’t help but see a recurring theme. past few months, meeting new Bay Equity
Bay Equity is investing in its most important employees, helping launch new branches
asset, its people. From sales summits, to Ops and sharing the Bay Equity story. While our
and Marketing summits and the President’s success as a company is measured in units
Advisory Council, Bay Equity is bringing people and volume, it’s our people who make it
together to share ideas, collaborate and happen. Sales provides the fuel, Ops is the
strengthen the Bay Equity team. engine and all of our departments and support
teams play critical roles. The best part of my
Our plan for strategic and methodical growth job is getting to know the newest members
is working. We’ve added great new branches, of the Bay Equity family.
originators and staff in Minnesota and Illinois.
Our “Paint the Nation Orange” recruiting While Bay Equity is becoming bigger and
continues to reach out to other top originators breaking records, we are not losing the
looking for a home with a company with a culture that allows us to stand out from
family and highly supportive culture. our competitors. BE Family is a key core
value. Our team members are invested
This edition is filled with photographs of just in the company and each other. Through
some of the people who make this company open communications, transparency and
special. I hope you’ll take a moment to put mentoring, we give each other the help and
faces with the names of those who contribute encouragement to meet the challenges of
daily to our success and growth. our industry.

It’s a great time to be at Bay Equity. It’s a great time to be part of the family.

BRETT MCGOVERN CASEY MCGOVERN

CHIEF EXECUTIVE OFFICER PRESIDENT / CHIEF PRODUCTION OFFICER
02

TEAM BAY

Bike brothers Brett and Casey McGovern join by Rick From left, Jim Francis, Cynthia Bickler, Desiree
Jones, Roy Meshel and Craig Bramlett on an early McClatchey, Ana Requierme, Sue Melnick, Rebecca
morning bicycle workout along the beach in San Diego, Cady, Marlana Granado and Virginia Clements enjoy
just before the start of the California Sales Summit. an April lunch at the Wood Ranch in Corona, CA. Sue
takes the SoCal remote team out to lunch every
month to show Bay’s appreciation for their hard work.

27 Underwriters and other Hajir Nejati, Area Sales Elizabeth Mullen, Bradley Edwards, Elisabeth Everett,
operations staff gather for Manager for Aliso Viejo, Katrina Stone, Jennifer Mericle, Matthew Collett and Maria
a summit in Concord, CA. paints Paris orange. Cardamone make up the new branch in Colorado Springs.

The Bay Equity Fidelity Mortgage team in Grand Junction, CO, holds its quarterly Office Luncheon May 4 to go
over production goals versus actual volume.

03

TEAM BAY

Leona Sorrells, Rick Jones, Brett EVP of IT Philip Mikolaj and San Dustin Zunck, Fred Carlo and
McGovern and Craig Bramlett Diego based Senior Developer Mick Frank Freitas surface near a giant
form a crescent around Christina Stevens are together again, about Surface Pro 3 display at the Mall
Garrett (front and center). to hit the links. of America in Bloomington, MN.

Late April beckons some of Bay Equity’s Onboarding Del Mar Branch Operations Manager Mark Loftus, at
All-stars, Karen Mynahan, Bob Altendorf and Autumn left, invited new Shoreham LO Toby Tollack, at right,
Van Rooy, to join Duluth, MN, Area Sales Manager to play as his guest at the Member-guest tournament
Daniel Witzman (at left) at a baseball game. Bay at the El Camino Country Club. That’s their caddy
Equity just opened some of its newest branches between them. The pair won the tournament skills
near the famed Twin Cities of Minneapolis and St. challenge for their short game, and were very strong
Paul, home of Major League Baseball’s Twins. The off the tees. Loftus said they also led the tourney
Twins are settled in second place in the AL Central in bottles of scotch consumed and cigars smoked.
Division. It should be an exciting year for Bay Equity “He is my permanent partner going forward,” Loftus
and the Twins in Minnesota! declared. “It was a hell of a lot of fun!”

04

GRILLING FOR CHARITY IN
SANTA ROSA

The Rohnert Park and Santa Rosa Bay Equity branches went for the “high steaks” June 6 to raise money
for disabled veterans. The Grill Master, a.k.a. Area Manager Randy Keller, led a team of Bay BBQ experts
against 22 other businesses in G&G Supermarkets and Harris Ranch First Annual “Cooking for a Cause”
competition in Santa Rosa.

Bay Equity did not win the completion, but was well-represented, serving up thousands of bites of
delicious steak to the customers judging the competition, and more importantly, meeting a lot more
potential Bay customers. Keller was one of two entrants invited by KTVU Channel 2 to come in for a live
preview on Sunday, May 31.

From left, Lynnea Fields - daughter of April Wilkes, Matt Grill Master and Rohnert Park Sales Manager Randy
Lewis, Jessica Erickson, April Wilkes, Leon Creed and Grill Keller shows a news reporter the proper method for
Master Randy Keller are “Cooking for a Cause.” tenderizing, seasoning and grilling the perfect steak.

Grill Master and Bay Equity Rohnert Park (CA) Sales Randy Keller tells the KTVU reporter about Bay Equity’s
Manager Randy Keller poses for his close-up outside the efforts to raise money for disabled vets – the cameraman
studios of KTVU Fox 2 in Oakland. seems more focused on that juicy steak.

05

WELCOME MINNESOTA TO
THE BAY EQUITY FAMILY!

Add a splash of orange to the Land of Lakes - Bay Equity Home Loans has opened a new branch in
Minnesota! The newest branch in Bay’s “Paint the Nation Orange” campaign opened its doors in the St.
Paul suburb of Oakdale. Two satellite branches, in Maple Grove, MN, and Bloomington, MN, will open in
the near future. Led by Area Manager Patrick Chacich, bringing aboard this team was a big job. They’re
off to a great start, closing on more than 400 loans in their first few weeks - with the help of a great
group of existing Bay Equity Rock Stars.
“Let’s welcome this team of professionals aboard with our typical Bay Equity warmth and professionalism,”
said Bay President Casey McGovern. “We are expecting great things from this expansion.”

Area Sales Manager Travis Whitford is on the line in Angela Moy is surprised at her new desk in the
his new work area in Oakdale, MN. Those overhead Oakdale, MN, branch. In a world of long-named folks,
drawers are almost Orange! Moy is less.

06

MINNESOTA BRANCH SHOWS
‘WHAT’S IN A NAME’

Ever wonder “what’s in a name?” In Minnesota, it To be fair, the former Tracy Svee also married into
seems, it’s plenty of letters. most of this championship name. But it is her
From reading the list of employees at the new official married name!
Bay Equity branch in Oakdale, MN, it’s clear they “I couldn’t make up my mind if I wanted my
have designs on being the new long-last-name husband’s last name, so that is how it reads on our
champions of the company – if there was such marriage certificate,” Svee-O’Shaughnessy says.
a thing. “I was going to name my daughter ‘Mackenzie
No less than five Senior Loan Officers boast the Alexandria Svee-O’Shaughnessy’ – 35 letters, a
rare 11-letter last name - Andrew Lachenmayer, hyphen and apostrophe – longer than the alphabet,
Coleen TeBockhorst, David Wahrenbrock, Troy just because it would be fun to have her fill out the
Telthoester and Shane Tibiatowski – it’s like bubbles on the school aptitude test.”
reading a long-name All Star team! She didn’t, instead doing her daughter the “favor”
Coleen TeBockhorst, who married into this grand of naming her Mackenzie Rae O’Shaughnessy - at
nomenclature, says multiple misspellings and least a little more manageable.
creative mispronunciations are the cross she In other catetgories:
must bear. Justin Von
“TeBockhorst is German with a Dutch prefix and Wolffradt, a Branch
before his ancestors came over, it was actually Representative
LeBockhorst. Then the ‘Le’ dropped off when they in Seattle, leads
came to the U.S., and I have no idea how the ‘Te’ the way with 12
got added on,” she says. “I guess that means I letters in a non-
need to do some research.” hyphenated, two-
In their office, 10-letters is pithy. Take that, Andrew word last name.
Coppernoll. And sorry, Rebecca Jurkovich and Chula Vista’s Jasmin
Stefanie Sherohman – nine is practically pedestrian. Morales de Leal has 13
Before Oakdale, Bay Equity had only six 11-letter, letters in three words.
one-word last names - Scottsdale’s Scott Chula Vista’s Veronica Contreras-Jaimes and
Fickenscher, Bakersfield’s Cameron Chanthavong, Federal Way’s Lynette Stixrud-Lampson have an
San Fran’s Cathie Tagoilelagi, Tempe’s Alec impressive 15 and 14 letters, respectively, in their
Bevilockway, Auburn’s Claire Hammerstrom hyphenated last names.
and St. George’s Drew Bahoravitch. With the Incidentally, though Minnesota is a long state
aforementioned quintet, they are now in an 11-way name, it’s not that long. It’s nine letters, fewer
tie for second place. than California and Washington, both with 10,
Behind who? The new team captain - Oakdale and way behind Massachusetts, North Carolina
Senior Loan Processor Tracy Svee-O’Shaughnessy and South Carolina with 13 each. It’s much,
(pictured right), who can claim 12 letters on one much shorter than the 35 in “Rhode Island and
side of her hyphen, and an amazing 16 total! Wow, Providence Plantations,” which is the smallest
and an apostrophe! A truly long and difficult name. state’s official name.

07

BAY EQUITY 2015 CALIFORNIA SALES

The 2015 Bay Equity California Sales Summit celebrated the state where it all began, with Bay Loan Officers
and sales staff from up and down the Golden State meeting in Del Mar May 7. During the Summit, top
producers and team managers shared their strategies on subjects ranging from marketing to database
management to leadership techniques – all in the name of increasing sales volume.
The social aspect of the Summits helps people from different offices get to know each other, the hallmark
of an expanding, evolving and improving company. Ali Ghaziani was honored as the region’s top producer for
2014, and Downey Area Sales Manager Rick Kesseler was among the presenters.

Bay Equity President Casey McGovern presents Jim Yeager and Brian Savala from Coronado and David
Ali Ghaziani with the award for being 2014’s Top Baum from Shoreham confab with Chief Executive
California Producer in Volume and Units. Officer Brett McGovern.

Frank Blakeley and Hajir Nejadi’s Laguna Hills branch Rick Kesseler speaks and Jonathan Hallstead, Frank
wrapped this Mini Cooper in Bay Blue and Orange. Blakeley and Mike Rafii listen.

08

Robert Lathan, Chairman Jim Corbett, Steve Parajeckas Three managers – Hajir Nejadi, Jamie Hughes and
and Frank Blakeley talk shop. Buddy Greene have a great time.

Minnesotans Sylvia Cruz-Jacobson and Quintin Robert Gullick, Josh Gullick and Don Emerson enjoy
Jacobson visit with Rick Costa from Ukiah. the food and drinks.

Rancho Bernardo Loan Officer Bobby Askari, Ramona Branch Supervisor Molly Martin and Paul Moffitt have
Theresa Tynan, San Diego Loan Officer Assistant Robbie Gullick, San Diego a Costa Mesa consultation at the
Loan Officer Toby Tollack, San Diego Area Manager Rick Jones and San California Sales Summit.
Diego Loan Officer Ed Quinby pose for a photo.
09

BAY EQUITY 2015 PACIFIC NORTHWEST SALES

Bay Loan Officers and support staff from across the Pacific Northwest met in early April for the Pacific
Northwest Sales Summit at Snoqualmie Ridge, about 40 miles east of Seattle. Spectacular Snoqualmie Falls
served as a gorgeous backdrop to presentations and team-building activities featuring President Casey
McGovern, Chief Executive Officer Brett McGovern and Senior Vice President James Pulsipher.
By continuing to focus on the Bay Equity Vision and Core Values and embrace the company’s Bay Way Best
Practices, Pacific Northwest retail branches are poised to reach the highest levels of success.

Federal Way Area Sales Manager Jeff Nicola poses with Bay President Casey McGovern, Bay CEO Brett McGovern,
Puyallup co-Manager April Janas and Wenatchee branch Manager Christian Chamberlin.

Angie Harty, DJ Caple, Taraya Caple, Kevin Phillips, Angie Harty, Christian Chamberlin, Jeff Nicola, Chris
Augustus Bukowski and Melissa Holt convene at Crome and Taraya Caple gather for a quick shot.
a social gathering.

10

August Bukowski and Dean Hayes drink a toast to From left, Dean Hayes, April Janas and Jeff Taylor are
the Pacific Northwest Sales Summit. seated in front of Augustus Bukowski and Jeff Nicolai
during a fun team-building exercise.

SVP James Pulsipher gives Towering Snoqualmie Falls serves Christian Chamberlin (in vest) is
a presentation on maximizing the as the backdrop for the Pacific one of the many professionals that
use of BAMM. Northwest Sales Summit. traveled to Snoqualmie Falls.

Liz Hughes, Caitlyn Harris and Lauren Peak relax at Divisional Vice President Autumn Van Rooy gives a
the PNW Sales Summit. presentation on the Ultimate Open House Program.

11

BAY EQUITY 2015 OPERATIONS

The Bay Equity Home Loans Operations Team met in San Diego May 31 to June 2 for its annual Summit.
Operations are absolutely essential to the overall success of any mortgage company. The Operations Team
works with servicers, originators and others in the industry to ensure the proper servicing of home loans.
That means overseeing document preparation, producing timely and accurate disclosures and closing
documents, and ensuring compliance with regulations.
Operations manages challenges arising from ongoing market and regulatory changes and has to implement
and manage all upgrades and add-ons to software and systems. Basically, Operations does all of the dirty
work behind the scenes of the mortgage loan business. Ongoing interaction with the loan sales staff is
also crucial, to improve accuracy and efficiency by remaining current on developing issues, concerns and
standards. Efficient and excellent operations have been key to Bay’s methodical expansion.

President Casey McGovern and CEO Brett McGovern Some of the biggest stars in Bay Equity’s Operations
during the welcoming speech at the Bay Equity galaxy, including Kim De Shazer, Brian Louie, Brett
Operations Summit. McGovern and Christina Garrett are front and center.

Philip Mikolaj, Mick Stevens, Peter Sue Melnick introduces leadership Jan Verville, Nick Lindstrom and
Goostree, Daniel Willis, and Patty expert and former Marine sniper Chairman Jim Corbett pose on
Sui listen in at the Ops Summit. Gary Xavier before his presentation. the catamaran Aolani.

12

It is all smiles as the sun comes out and the Patty Siu, Vincent de los Santos, Sandy Hixson, Mario
refreshments are served on this catamaran cruise Restrepo, Raul Espinoza and John Park, feel like “The
around San Diego Harbor. Kings of the World” in the bow of catamaran Aolani.

Stormi Moneymaker, Lisa Soma, Alia Motta, Nick Lindquist and Janna Rebecca Cady helps Cindy Smith
Judy Clanton and Rachel Cox finish Dretzka were the winners of the and Angie Harty try to make their
their team building puzzle. square building puzzle. Bay Equity square go together.

Brett McGovern is joined by Kim Larson, Kim DeShazer and Sandy Hixson, Vincent de los
Christina Garrett and Lorraine Brian Louie look to be getting very Santos and Sharon Echols can’t
Coppa for the puzzle exercise. close to completing the square. make heads or tails of this square.

13

BAY EQUITY 2015 MARKETING

The Bay Equity Marketing Team summit was held May 11 to 13 in Lake Oswego, OR. Marketing associates from
as far away as Plano, TX, Honolulu, HI and Oakdale, MN - and all points in between - were on hand to study
compliance issues, learn about database management and maximize marketing strategies. Chief Compliance
and Operating Officer Sue Melnick, Compliance Officer Ana Requierme and Regional Marketing Manager
Caitlyn Harris were key presenters.

Compliance Officer Ana Requierme was one of the Chief Compliance and Operating Officer Sue Melnick
key speakers regarding compliance issues. gives a presentation on compliance.

14

Arlene Sjogren, Cheri Hass and Courtney Fick show geometrical genius to There were 26-strong, at the
win the team-building competition and a $25 gift certificate each. Summit in Lake Oswego, OR.

Minnesota’s Andrea Nisler, Scottsdale’s Charles Delph Corissa Sprague of Burlington, and Rebecca Mathews of
and Chula Vista’s Alex Mondala try to make a square. Aliso Viejo, finish the first half of a team-building exercise.

Rebecca Jurkovich, Emily Hallenbeck and Caitlyn Harris Karissa Bristow, at right, chips in to try to help Sara
have a polygon, but it’s not quite squaring up. Cochron use the cut-out pieces as Kurt Eckert observes.

Things are taking shape for Ana Requierme, Brandon Kala Oropeza from Plano, TX, and Jessica Pingleton from
Cox and Vince Arlia in the competition. Gilbert, AZ, work together as a Southwestern set.

15

BAY EQUITY 2015 MOUNTAIN REGION SALES

Like Memorial Day week itself, Bay Equity’s Mountain Region Sales Summit in Grand Junction marked
the beginning of summer, which also means we’re rounding the turn to the second half of 2015! On
May 29, the company set new records for both daily units and daily volume funded, with 145 and
$43,911, 855, respectively.
Speaking from Grand Junction, Chief Executive Officer Brett McGovern called the record a testament
to the company’s extremely efficient Sales and Operations Staffs, getting it done in the face of some
system issues that are beyond their control. “Our top originators are fired up and ready to finish
2015 stronger than ever. They are not alone,” McGovern said. “Our growth in volume and our ability to
attract top Sales and Ops talent is directly tied to the quality of our team. I am so proud of the Bay
Equity Family and what we can accomplish together.”

James Pulsipher, SVP of Branch Development and Mentorship speaks to The Microsoft Surface Pro 3 has
a large group of Sales and Operations professionals. fundamentally changed Bay
Equity’s approach to technology.

James Pulsipher breaks down how to use Bay’s Best Al Killeen, recognized as one of the top business
Sales Practices to maximize potential clients. coaches in the world, gives a presentation.

16