I am a Senior Vice President of Mortgage Lending with OriginPoint. With over 22 years in the mortgage business, I pride myself on consistently doing the right thing for the customer, providing my honest opinion with the clients' long term financial well-being in mind. With this approach I have been awarded longevity in an everchanging and complex industry. In 2000, I obtained a Bachelor of Arts degree in Business at The University of San Diego. My focus continues to be towards helping first time homebuyers and repeat customers build equity for their families through home ownership. My favorite things to do include spending time with my wife, Laura and my 6-year-old son, Mateo. Together we enjoy cooking, watching movies and shooting hoops in the backyard. Over the last year I have developed a passion for meditation, intense breath work and cold plunging. These healthy practices teach me to calm my mind in stressful situations and to focus on being present. If you'd like to learn about mortgages or breath work, I can be reached via call/text/email. More than anything, I love to connect with people and to be of service!

SVP of Mortgage Lending

Mike Hoyt is your La Jolla local lender. As a loan officer at OriginPoint, Mike is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mike at (415) 660-3215 for more information!

Mike Hoyt at OriginPoint (NMLS #653785)

Grant Sedlak has been helping clients achieve the dream of owning a home for over 8 years. Grant was a top producer and President's Club member with another lender, prior to joining Guaranteed Rate, producing over $600 million worth of loans for his clients. With a vast experience of working with first time homebuyers to larger acquisitions of up to $20 million, Grant has helped nearly a 1,000 families achieve their goal of homeownership. From straight forward salary applicants to the most complex self-employed financials you can imagine, he has done it all.  
Grant's business has primarily been sourced from referrals from past clients, real estate agents, financial advisors, and business managers. He prides himself in being the most accessible, responsive and knowledgeable loan officer he can. Born and raised in Malibu, California he now resides in Orange County with his wife and Golden Retriever, Goose. For fun, he likes to travel, go to the beach, and spend time with his family.

Producing Branch Manager

Grant Sedlak is your La Jolla local lender. As a loan officer, Grant is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Grant at (310) 924-0777 for more information!

Grant Sedlak at OriginPoint (NMLS #1020169)

I have been helping people buy and refinance homes in Southern California for over 30 years. While the process has changed, it is still one of the most important financial decisions of a lifetime. My goal is to help each borrower understand their options and the loan process. Getting financing for a home can be intimidating. I take pride in making sure my clients are aware upfront of each step and staying in constant contact during the transaction so they feel completely satisfied with their decision to work with me.

VP of Mortgage Lending

Brett Robinson is your La Jolla local lender. As a loan officer, Brett is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Brett at (714) 955-9672 for more information!

Brett Robinson at OriginPoint (NMLS #491683)

After working as the CFO of a real estate development firm, Matt decided to switch over to the lending side of the business where he has thrived for many years. Matt comes to Origin Point with an extensive financial background and has a passion for helping people accomplish their dreams of home ownership. He enjoys guiding clients through the lending process as well as providing advice on managing debt to achieve their financial goals.  
In addition to mortgage lending Matt has several hobbies including yacht racing and playing the guitar.

Matt Beck is your La Jolla local lender. As a loan officer, Matt is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Matt at (949) 257-2836 for more information!

Matt Beck at OriginPoint (NMLS #1856931)

After graduating from UCLA, Tracy started working on the wholesale side of the mortgage industry, learning how the industry operates behind the scenes, from underwriting to pricing. His exposure to all aspects of the industry helped to fine-tune his skills in analyzing and structuring complex financing for individuals and business entities. He obtained his broker's license in 1997, and has been working with clients and his own real estate investments ever since.  
Tracy learned from a young age how investing in real estate, and homeownership can create generational wealth. Tracy's family owned, managed, and developed residential rentals, and Tracy has followed in those footsteps. As a mortgage lender, Tracy combines his finance and real estate passions. His specialty is working with self-employed borrowers to help them achieve their real estate objectives through his understanding of the challenges and opportunities that being self-employed can bring. He works with people from all walks of life to help them achieve their goal of homeownership, having funded over $1B in mortgages for his clients in his career. When Tracy is not working, he loves to surf and tinker with his 1951 Ford woody wagon. He and his wife Celeste have recently "launched" their youngest of three children to college, and enjoy traveling the west coast to visit them.

Tracy Trudeau at OriginPoint (NMLS #277768)

As your trusted OriginPoint Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Cathy Nghiem is your La Jolla local lender. As a loan officer at OriginPoint, Cathy is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Cathy at (949) 359-7174 for more information!

Cathy Nghiem at OriginPoint (NMLS #483960)

I help clients build wealth through real estate—not just by securing the right mortgage, but by providing strategic guidance before, during, and long after their home purchase. My mission is to turn the home loan into a long-term financial tool, empowering clients to make smarter decisions and maximize the return on their real estate investment.


Outside of work, Aaron enjoys traveling, reading, and spending time with his family.

Aaron Parks is your La Jolla local lender. As a loan officer at OriginPoint, Aaron is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Aaron at (949) 696-2008 for more information!

Aaron Parks at Origin Point (NMLS #1852827)

Brian is a fifth-generation San Diegan and a UCSD graduate with a degree in Economics. He began his mortgage lending career in 1999 and has been consistently ranked as a top producing loan originator. Known for his strong work ethic and genuine client relationships, Brian has earned a trusted reputation across the real estate industry. He specializes in purchase lending and has cultivated lasting partnerships with top real estate professionals. With trust as his guiding principle, Brian is dedicated to putting his clients' needs first—helping them achieve their goals with confidence and peace of mind.

Brian Shaw is your La Jolla local lender. As a loan officer at OriginPoint, Brian is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Brian at (858) 356-4005 for more information!

Brian Shaw at Origin Point (NMLS #348652)

Shawn Perkins is your La Jolla local lender. As a loan officer at OriginPoint, Shawn is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Shawn at (619) 486-1566 for more information!

Shawn Perkins at Origin Point (NMLS #290549)

Nicole Goodrich is your La Jolla local lender. As a loan officer at OriginPoint, Nicole is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Nicole at (619) 504-1307 for more information!

Nicole Goodrich at OriginPoint (NMLS #2173313)

Griffin Tso is based in San Diego, California, specializing in mortgage lending and real estate finance for both first-time and experienced homebuyers. With a deep understanding of residential loan products, underwriting guidelines, and market dynamics, Griffin helps clients navigate complex financing decisions with clarity and confidence.


Known for his analytical approach and client-first mindset, Griffin works closely with first-time homebuyers to identify optimal loan structures, maximize available programs, and create sustainable paths to homeownership. His expertise spans conventional, jumbo, and specialized financing solutions, making him a trusted resource in the Southern California real estate market.


Griffin's leadership and industry impact have been recognized through his selection as a San Diego Real Producers 30 Under 30 honoree, and he currently serves as President of the Asian Real Estate Association of America, San Diego Chapter, where he advocates for homeownership access, professional education, and community engagement.

Griffin Tso is your La Jolla local lender. As a loan officer at OriginPoint, Griffin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Griffin at (858) 449-7933 for more information!

Griffin Tso at Origin Point (NMLS #2133206)

Jay Lomahan is your La Jolla local lender. As a loan officer at OriginPoint, Jay is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jay at (858) 699-1008 for more information!

Jay Lomahan at Origin Point (NMLS #2579595)

I'm Nick Boxberger, a VP of Mortgage Lending based in San Diego, California, with over 10 years of experience helping buyers make confident, informed decisions on their path to homeownership. I'm proud to be a top-producing loan officer in 2025, serving clients across California, Arizona, Texas, Nevada, and Florida.


I specialize in working with move-up buyers, while also guiding first-time homebuyers and self-employed professionals through more complex financial scenarios. I believe transparency and clear communication matter, especially in a market where those qualities can be hard to find. My focus is on building long-term relationships, not just closing loans, by educating clients and aligning financing strategies with their bigger financial goals.


If you're looking for a trusted lending partner who offers straight answers, strategic guidance, and a relationship-first approach, I'd love to help you take the next step toward homeownership. Reach out today to start the conversation.

Nick Boxberger is your La Jolla local lender. As a loan officer at OriginPoint, Nick is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Nick at (619) 535-3175 for more information!

Nick Boxberger at Origin Point (NMLS #1386823)

Born and raised in coastal Carlsbad, CA, Mallory Purviance's love for the luxury mortgage industry piqued her interest at an early age. She started her career in Financial Services 16 years ago in Del Mar, CA and is proud to say she is a Mortgage Professional that has worked on both ends of the spectrum. Her experience as a Loan Officer, as well as a Loan Processor allows her to better assist and understand her clients. She takes the time to discuss her clients' goals and recognizes their unique situation. In this way she can find a customizable approach to ensure those goals are met in a timely fashion.


Keeping the client informed and at ease from application to closing is standard operating practice for Mallory and her clients really appreciate it. She prides herself in building strong relationships with clients, realtors, title/escrow agents, and others in the real estate industry.


Mallory finds ways to give back to her community in many ways and has volunteered at numerous events in the San Diego area for Wounded Warrior Project, Susan G. Komen, Autism Speaks, and Walk MS. She resides in sunny Encinitas, CA with her husband and two kids. When she isn't working, you can find her spending time with her family on hikes, at the beach, or baking at home.


Whether you're an experienced real estate investor, or a first-time home buyer, Mallory would love to help you achieve your Homeownership goals.

Mallory Purviance is your La Jolla local lender. As a loan officer at OriginPoint, Mallory is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mallory at (619) 486-1557 for more information!

Mallory Purviance at Origin Point (NMLS #743230)

Mortgage Advisor with over 20 years industry experience with a strong underwriting background. Being in the business for over 20 years I have seen it all. I love to help educate buyers on the entire process from beginning to end. I have a true passion for empowering people with knowledge. If you have any questions about the process feel free to reach out, I would love to help!

Joanne Short is your La Jolla local lender. As a loan officer at OriginPoint, Joanne is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Joanne at (619) 359-8466 for more information!

Joanne Short at Origin Point (NMLS #2396442)

Sales Manager

Cheri Mosdell is your La Jolla local lender. As a loan officer at OriginPoint, Cheri is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Cheri at (619) 535-3165 for more information!

Cheri Mosdell at Origin Point (NMLS #1432172)

Nick brings a thoughtful, education-first approach to mortgage advising, serving homebuyers and homeowners throughout Southern California. He plays an active role in helping clients navigate competitive real estate markets with clarity, confidence, and a well-defined plan.


Dedicated to helping clients build long-term wealth through real estate, Nick works closely with real estate agents, financial advisors, and CPAs to structure financing strategies that support his clients' broader financial goals.


Nick is committed to consistently sharing clear, practical mortgage and housing insights through social media and educational content. His goal is simple: ensure every client he works with feels informed, prepared, and confident when making one of life's most important financial decisions.


Spending time with family and friends have always been very important to him. When he is not advising on mortgages, you can find him golfing throughout San Diego or spending hours at the beach with his fiancé and their dog.

Nick Christensen is your La Jolla local lender. As a loan officer at OriginPoint, Nick is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Nick at (951) 345-5143 for more information!

Nick Christensen at Origin Point (NMLS #2140753)

With over **20 years of mortgage experience**, Michael "Mortgage Mike" Francisco has helped hundreds of San Diegans navigate the path to homeownership with confidence and clarity. Known for his education-first approach, Mike takes the time to help clients understand their monthly budget, explore loan option from **FHA and Conventional to VA loans,**and fully leverage available benefits, including **VA entitlement for active-duty service members and retired Veterans**.


By listening closely to each client's short and long-term goals, Mike creates a **strategic, personalized roadmap** designed to take them from pre-approval to the finish line with less stress and more certainty.


If you're ready to learn what's possible and want a trusted guide in your corner, Mike would be honored to be part of your homebuying journey.


***OriginPoint has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agen*

Mike Francisco is your La Jolla local lender. As a loan officer at OriginPoint, Mike is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mike at (619) 486-1568 for more information!

Mike Francisco at Origin Point (NMLS #159895)

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18 Loan Officers La Jolla, CA