OFFICERS

Keith Kelly, Founder & CEO
Keith Kelly is an entrepreneur who created and patented the Mortgage Annual Revenue Stream (MARS; U.S. Patent # 7292995), the platform that enabled the introduction of the HarmonyLoan™. A seasoned retail mortgage banking executive, Mr. Kelly has been an advocate for proper homeowner education for nearly two decades, focusing on strategies to avoid paying closing costs. His closing-cost savings platform has been featured in Money, The Washington Post, Time, New York Times, Woman’s World, CNBC and a host of other national publications. He successfully beta tested components of the Mortgage Harmony platform with National City Mortgage from 2002-2005, closing over $1.3 billion in loans. His research and development provides proprietary consumer behavior patterns necessary for the proper structuring of a modifiable mortgage. When combined with the patented MARS system, some of the biggest problems facing the mortgage industry today are solved. He is also host of MyMortgageWatchDog (a mortgage educational talk show) in Washington, D.C. Mr. Kelly has a bachelor’s degree from James Madison University.

Robert Catalanotto, Founder & COO
Mr. Catalanotto oversees the daily operations of the company and is responsible for the implementation of its strategic plan. Mr. Catalanotto has more than 25 years of experience in the financial services industry, mainly in the secondary mortgage market at Fannie Mae. He has significant experience in all aspects of business strategy, data warehousing, business intelligence, new product development, management and mortgage operations. Prior to joining Fannie Mae, Mr. Catalanotto was with GW Fauth and Associates, an economic consulting firm in Washington DC. Currently, Mr. Catalanotto is the Chairman of the Board of Directors at the Fannie Mae Federal Credit Union, having served in various leadership roles there for more then 15 years. Mr. Catalanotto has a bachelor’s degree in accounting from CW Post College in New York and a master’s degree in international management from the University of Maryland.

Shane Chalke, President
Mr. Chalke oversees the commercialization of Mortgage Harmony’s innovative mortgage products and services. Prior to joining the company, he founded and recently sold Finetre Corp., an electronic platform for buying and selling annuities that transformed the delivery of annuity products. An actuary by training, Mr. Chalke founded AnnuityNet in 1997 to reengineer the variable annuity market by automating the sales process and stripping the steep broker commissions from the equation. In 2000, he renamed the company Finetre and evolved the business model to become a business-to-business exchange, which ultimately handled more than $80 billion in annuity transactions for the nation’s largest brokerage firms. Mr. Chalke created his first business in the early 80s at the age of 25. Chalke Incorporated developed risk management software that was quickly adopted by the larger players in the insurance industry. Mr. Chalke holds a degree in mathematics from Worcester Polytechnic Institute and has taught graduate-level finance theory at George Mason University.

Marlisa Senchak, Senior Vice President of Product Management and Strategic Outreach
Ms. Senchak is senior vice president of product management and strategic outreach responsible for product planning and marketing including working to assess partnerships and licensing opportunities with external third parties. Ms. Senchak has worked in the financial services industry since the mid-1980s, serving most recently as a consultant to Mortgage Harmony for strategic outreach. For 20 years, she worked at Fannie Mae in various management positions ranging from government and industry relations, assistant to the CEO, and head of single family credit union strategies. Recently, she managed a team of consultants for the National Association of REALTORS® (NAR) to design and charter an internet-based credit union with a 24-7 call center that would serve the 1.2 million member trade association and their families. The REALTORS® Federal Credit Union became operational in May 2009. Ms. Senchak has been a member of the New Jersey and New York Bar since 1984.

Jay Patel, Sales Director
Jay Patel is the Sales Director for Mortgage Harmony Corporation. Mr. Patel is responsible for discovering, developing, and implementing new sales initiatives with correspondent lenders, mortgage bankers, and wholesale mortgage platforms. Concurrently, Mr. Patel helps form strategic alliances with financial institutions seeking to offer niche lending products. With over ten years mortgage banking experience, Mr. Patel is well versed with the needs and requirements of lenders regardless of size or structure. Mr. Patel was a Senior Account Executive with 1st National Bank of Arizona, covering major markets in the Northeast. During his tenure there, he was the top ranked producer in the nation. Subsequently, he participated in the capital raise and organization of First Commonwealth Bank of Virginia, a boutique community bank located in Arlington, VA. While managing a team of 15 mortgage loan officers, Mr. Patel oversaw Secondary Marketing. He holds a bachelors degree in finance from James Madison University.

ADVISORY BOARD

Craig Chapman, Managing Director-Mortgage Division, 1st Commonwealth Bank of Virginia
Mr. Chapman is responsible for all mortgage related activities for 1st Commonwealth Bank of Virginia - credit policy, investor relations, secondary loan procedures and loan origination services. Mr. Chapman has twenty years experience in the financial services industry, mainly as a wholesale mortgage banking executive. He was an executive vice president for Legacy Bank, First National Bank of Arizona and GreenPoint Financial. Mr. Chapman has extensive experience in capital markets, regulatory compliance, and sales. Mr. Chapman holds a bachelors degree in Government from St. Lawrence University in New York.

Mathew Douthit, Financial Services Consultant
Mr. Douthit has extensive experience in the Capital Markets, including housing finance consulting, mortgage portfolio management, and operational risk management. Recent consulting engagements include an analysis of a large insurance company’s valuation process and market events that resulted in large losses on its credit default swap book, and helping a hedge fund navigate the housing and credit crisis. Prior to becoming a consultant, he led team of traders and analysts at Fannie Mae to maximize mortgage portfolio returns. He championed large, complex systems projects and achieved cross-organizational project acceptance by properly linking business transactions with accounting and control infrastructure; he has effectively defended business processes to oversight and regulatory bodies. Mr. Douthit has a master’s degree in Finance from American University and bachelor’s degree in Economics & Political Science from the University of Delaware.

Mark Hendricks, Principal, Taradin Services Ltd.
Mr. Hendricks is a founder and principal of Taradin Services Ltd., a venture capital, private equity and real estate investment firm. Mr. Hendricks previously served as the Managing Director of Bulgari Hotels & Resorts, a joint venture between Marriott International Inc. and the renowned Italian luxury company, where he was responsible for all aspects of brand and product development. During this time, he was also a member of the Ritz-Carlton Hotel Company, LLC Corporate Steering Committee. Prior to this assignment, Mr. Hendricks held positions in development and finance with Marriott International in Switzerland and at Marriott headquarters in Maryland. In 2007, Mr. Hendricks worked with JWM Family Enterprises, and Thomas Point Ventures, LP, both private investments companies owned by the J.W. Marriott family, as Managing Director of Investments and Business Development. Mr. Hendricks began his career as an international and admiralty lawyer and later became a corporate and private equity lawyer and investor. He has been a co-founder, director and/or early-stage investor in a number of businesses, and a principal in a number of private real estate ventures. Mr. Hendricks holds a bachelor’s degree from the University of Southern California, master’s degree from the London School of Economics, and J.D. from Brigham Young University. He has also studied at the Centro de Estudias Internacionales, Madrid and Regent’s College, London.

David G. Kittle, CMB
Mr. Kittle served as the 2009 chairman of the Mortgage Bankers Association (MBA). He is currently senior director of industry relations for mortgage industry leader IMARC. Prior to that position, he was the executive vice president of Vision Mortgage Capital LLC, a division of American Home Bank located in Pennsylvania. Active in the mortgage banking industry since 1978, Mr. Kittle started his career with American Fletcher Mortgage Co., where he became a top loan originator before moving up to management in 1986. In 1994, he founded his own company, Associates Mortgage Group Inc., which he sold in 2006. Mr. Kittle served as president of Principle Wholesale Lending and has also worked with Jefferson Mortgage Group, Chase Manhattan Mortgage, Bank One and Citicorp Mortgage. A former chairman of MORPAC (MBA's political action committee) and a former vice chairman of the MBA Residential Board of Governors (RESBOG) as well as a member of MBA's Advisory Committee, Mr. Kittle is past president of the Louisville and Kentucky mortgage banking associations.

Samuel Bernard Little, Senior Vice President, Affinity International Corporation
Dr. Little has extensive experience in planning, fiscal management, preparation of grants, program evaluation, formation of corporate partnerships, and coordination of intergovernmental services. He has a distinguished background in affordable housing initiatives. In his current position, one of his many roles is preparing testimonies for congressional hearings and roundtable discussions with foundations on housing policies and redevelopment principles. Dr. Little was director of resident services for the District of Columbia Housing Authority in Washington, D.C. from 2004 to 2008, associate deputy director of Housing Authority of Baltimore City from 2000 too 2004, executive director of The Empowerment Network Foundation from 1999 to 2000 and director of STEP-UP Program for the Housing Authority of Baltimore City from 1989 to1999. He holds a bachelor’s degree from Morgan State University, a master’s in social work from University of Pennsylvania and a doctorate in philosophy from University of Maryland, Baltimore.

Leonard Mills, President, PI Analytics
Leonard Mills, Ph.D. CFA, has 25 years of experience in providing fixed income analytics, quantitative investment research, pricing and portfolio strategies, and economic research. His career includes 15 years in research, analytics and portfolio strategy for Fannie Mae’s investment management business. He is currently president of PI Analytics, an independent consulting firm. He is an expert in modeling residential and commercial mortgages, real estate equity investments, structured finance products, derivatives pricing, portfolio risk measurement and strategies, capital allocation, investment accounting standards, and analytic application development. Dr. Mills has taught economics and finance at Tulane University, the University of Pennsylvania (Wharton), the University of Maryland (Smith), and the Johns Hopkins University (Carey). He holds a bachelor’s degree in mathematics from Hamden-Sydney and a doctorate in economics from Tulane University.

Rosemary Ostmann, President & CEO, Rose Communications
Ms. Ostmann is responsible for the operations of public relations firm Rose Communications as well as the strategic direction of the programs the team manages for its clients in the health care, publishing, design and construction, and financial services industries. She started in the marketing communications business 15 years ago as a copywriter. Before launching Rose Communications in 2003, she led the consumer practice at Euro RSCG in New York. In this position, she created and directed communications strategies for some of the most recognized brands in business, including Procter & Gamble, Consumer Reports, Tommy Hilfiger, United Airlines and Sony, as well as a number of start-up firms. Her financial services experience includes work on behalf of Scottrade, TD Bank, Mercantile Bankshares (now PNC) and Annuity Net/Finetre, among others. Rosemary spent the first seven years of her career in Baltimore doing public relations inside two different advertising agencies and working with consumer, business-to-business and non-profit clients. Rosemary graduated magna cum laude from the University of Maryland’s College of Journalism with a minor in Spanish.

Richard Spires
Mr. Spires currently serves as a senior-level official with the U.S. Federal government specializing high-level operations and information technology issues. In this capacity, Mr. Spires is responsible for his agency’s investment in Information Technology (IT). He leads and facilitates development, implementation, and maintenance of its IT architecture. Between 2004 through 2008, Mr. Spires held a number of positions at the Internal Revenue Service (IRS). He served as the Deputy Commissioner for Operations Support, having overall responsibility for the key support and administrative functions for the IRS, to include Information Technology, Human Capital, Finance, Shared Services, Real Estate, and Security functions. Prior to becoming Deputy Commissioner, Mr. Spires served as the IRS’ CIO, with overall strategic and operational responsibility for a $2 billion budget and a 7,000- person Modernization and Information Technology Services organization. Mr. Spires served for two and half years as the Associate CIO for Applications Development and led the IRS’s Business Systems Modernization program, which is one of the largest and most complex information technology modernization efforts undertaken to date. From 2000 through 2003, Mr. Spires served as President, Chief Operating Officer, and Director of Mantas, Inc., a software provider that provides business intelligence solutions to the financial services industry. In helping to establish Mantas, Mr. Spires successfully led efforts to raise $29 million in venture funding. Prior to Mantas, Mr. Spires spent more than 16 years serving in a number of technical and managerial positions at SRA International. Mr. Spires received a B.S. in Electrical Engineering and a B.A. in Mathematical Sciences from the University of Cincinnati. He also holds a M.S. in Electrical Engineering from the George Washington University. Mr. Spires was named a Distinguished Alumnus of the University of Cincinnati’s College of Engineering in 2006.