Tom Coale brings over two decades of experience in the mortgage banking industry working with leading financial companies such as Capital One, JPM Chase, Macquarie and Wells Fargo. He is an accomplished Sales Executive that has seen great success helping his clients and teams grow their business. The majority of his career has been focused on the B2B side of our industry with a focus on Correspondent Lending. During his tenure at Chase Correspondent Lending he won multiple awards for production as well as loan quality and was ranked as their top National producer. Tom resides in New York where he enjoys spending time with his family. He is a sports and music fan and likes to travel with his family and friends.
Jeff Haar brings over 25 years of experience in the Mortgage Industry working as a Retail Loan Officer, managing Wholesale Sales and serving over 20 years in Correspondent Lending in Sales and Senior Management roles. Before joining Envoy Mortgage, Mr. Haar started and managed the Correspondent Division at Nations Direct Mortgage from 2013 to 2016, served as Correspondent Regional Account Manager for New Penn Financial from 2011 to 2013 and was owner of his own financial company from 2008 to 2011. Prior to these positions Mr. Haar was the SVP of Saxon Correspondent for 10 years, Regional Account Manager and SVP of Correspondent at Indy Mac for 4 years and a Retail Loan Officer for over 3 years. Mr. Haar received his Bachelor of Business Administration in Finance from the University of Toledo and currently resides in Huntington Beach California where he enjoys time with his family and supporting his children in their activities and sports.
(FL, GA, AL, TN)
Jud has more than 25 years of experience in the mortgage arena. From retail to commercial, from wholesale to correspondent, he can say, “I’ve been there”. He has been an Area Sales Manager for Bank of Arizona, a territory builder for Fifth Third Bank wholesale, and a multi-channel account executive for both Guaranty Trust Wholesale and CMG Financial where he was influential in rolling out their non-delegated correspondent channel. Jud’s guiding principle remains to deliver exceptional service by being a dependable, reliable and responsive business partner. This fits perfectly with Envoy Correspondent Lending’s core values; committing to excellence and putting our partners first. Jud lives in Atlanta where he is active in the local and state banking associations and continues to devote time, energy and resources to a wide range of charitable and non-profit organizations. He enjoys boating, gardening, sports and traveling with his wife Shelley.
(LA, KS, MS, AR, MO, OK, NE, W.TN)
Beverly Jordan began her mortgage career in 1988 at Troy & Nichols Mortgage. Since that time, she has worked in various capacities within the Correspondent divisions of Chase, Dime Mortgage, Irwin Mortgage, and Freedom Mortgage. Prior to joining Envoy Mortgage, Beverly was an Account Executive at Affiliated Mortgage for 5 ½ years. She has accumulated over 25 years of correspondent knowledge and experience. Her top priority is providing her clients with the best customer service in the industry! Beverly is a Louisiana native, who resides in West Monroe, LA. She is a 13 year US Navy Reserve veteran who enjoys traveling and meeting new people, She is a very active community and church volunteer. Let Beverly share with you, the advantages of joining Envoy Mortgage!
Joe Collins has over 35 years of mortgage industry experience including Retail, Secondary, and Mortgage Insurance with an emphasis in Correspondent Lending.
Before joining Envoy Joe worked for NationsBank Mortgage, GE Capital Mortgage Services, WAMU, TIB Mortgage, Guardian Mortgage and North American Mortgage.
Joe focused on Mortgage Bankers, Banks and Credit Unions doing both Delegated and Non Delegated.
Joe graduated from Oklahoma State University and has also been a Board Member of the Texas Mortgage Bankers Association, Advisory Board of Lenders One and Past President of the Dallas Mortgage Bankers Association.
In addition to the mortgage business Joe is always talking about his grand kids, travel and golf.
(W. PA, OH, MI, IN, KY & WV)
Jeff Cothern brings 30 years of mortgage lending experience, including 26 years in the Correspondent Lending side of the business. Jeff founded and managed Huntington Mortgage Company’s Correspondent channel (1987-1994) and was the Great Lakes Regional Account Manager at RBMG/Netbank (1995-2007) and Franklin American (2007-2009). Jeff has also spent several years on the Retail/Secondary Marketing side of the business, so he’s very familiar with the issues and solutions that are important to originators and sellers. Jeff is a 1982 graduate of Ohio State University, and resides in Columbus Ohio with his wife and son. If you want a great investor relationship, Envoy is a great choice and Jeff is ready to work with you!
(AK, WA, ID, MT, OR)
Randy Cowell has developed strong, long lasting relationships with his business Partners over the years. He started his B2B mortgage experience with Aegis Wholesale then Aurora Loan Services and Plaza Home Mortgage prior to joining Envoy Mortgage. Randy helped establishing Plaza’s correspondent lending platform in the Northwest. Another way Randy actively supports his lenders is thru the Spokane Mortgage Lenders Association and Washington Mortgage Bankers Association. Not only does this organization support Mortgage Lenders, and their efforts in Washington D.C., the organizations also raise money for local charities. Randy was elected to board of SMLA, and later became President in 2010 and is now back on the board for a second term. As you can see, Randy is a driven professional that thrives on building strong business partnerships. He knows his success is directly tied to his customers’ success. His determination to help his customers is one of the reasons they have come to depend on him, respect him, and partner with him in the Northwest. Randy resides in Washington State with his wife and two daughters. He enjoys boating, traveling, and coaching his girls in basketball and soccer.
(AZ, NM, CO, UT)
Nicolle Nelson joined the mortgage industry in 1996. She has worked in different channels which has given her great experience in different aspects of the industry. Throughout the years she has developed strong lasting relationships with her business partners and colleagues. Nicolle knows her success is directly tied to her customers’ success. Her dedication to her customers and their needs is why she has been so successful with lenders wanting to partner with her. Nicolle grew up in New Jersey but moved to the southwest in 2004. She enjoys working out, traveling and spending time with friends and family. Contact Nicolle for your correspondent lending needs.
(Eastern PA, NJ , NY, DE)
Tom began his mortgage career in 1998. During his 18 years he has held positions as a Correspondent Lending Internal Account Executive, Account Executive for the company’s Private Label Solutions division; supporting regional banks, community banks and credit unions. Most recently he was the Regional Sales Leader, PHH Correspondent Lending Division, covering the Northeast region (Virginia to Maine). He has been acknowledged for outstanding career achievements, including recognition in PHH’s Presidents Club in 2003, 2008, 2014 and 2015. Tom and Envoy share a commitment to provide fast, reliable, professional service. His work ethic, knowledge and overall account management style are just a few of the many reasons his correspondents choose to do business with him. Tom currently resides in South Jersey where he enjoys golfing, attending sporting events and beach time with his wife Mindy and two children Taylor and Kyle.
Steve began his career in mortgage lending in 1990 after attending the University of Idaho where he studied Finance. During his career, he has held positions as a Correspondent Regional Account Manager, Correspondent Internal Account Manager and Marketing Manager. Most recently, he helped develop the Correspondent lending channel for Nations Direct Mortgage. Steve was attracted to Envoy’s commitment to service, the company history and culture, and their core values. It is his firm belief that building relationships is based on earning trust, which is dependent upon providing professional, timely and knowledgeable service. Steve resides in Orange County California and when not working can be found enjoying beach volleyball or a new book, but most enjoyably spending time with his wife Ruby and daughter Alia.
(MA, NH, ME, VT, RI, & CT)
Karen Ellsworth brings 30 years of experience in the Mortgage Industry including Mortgage Insurance, Wholesale and Correspondent business. Prior to joining Envoy Mortgage, Karen was an Account Executive with Plaza Home Mortgage working with Banks and Credit Unions. She also helped to start a Community Bank and Credit Union division for Merrimack Mortgage. Prior to that, Karen was an Account Executive for Flagstar Mortgage, E-Trade and Interfirst. She has enjoyed the lasting relationships she has built in this industry, the service she provides and industry knowledge. Karen resides in Massachusetts and enjoys spending time with her family and friends, most importantly at her family cottage. She enjoys book club, music and travel.