meet the urw team

Chantel Petersen

Account Executive

I have been servicing Brokers and Correspondent clients for over 9 years. I have a true passion for helping others and building long lasting relationships. With my experience, attention to detail, and exceptional customer, you’ll able to rest assure you’re in great hands. I will always have the best interest for you and your borrowers. My team and I specialize in Conventional, FHA, VA, USDA, Non-QM and Jumbo loan’s. We want to make the process easy for you and your borrowers all while making the transaction enjoyable. Let me help you stand out against your competition with not only competitive rates but top of the line service. UR Brokers and UR Wholesale.

Email: Chantel.Petersen@urwholesale.com
Phone: (951) 496-2321

Nef Bromber

Account Executive

Nef has over 30 years’ experience in the mortgage industry with broad and deep expertise. She began her career as a retail loan officer and has also worked as an underwriter, wholesale account executive, and national wholesale sales director. Nef has additional experience in secondary market activities, product development, negotiating agency master contracts, and handling private investor relations. She’s an expert when it comes to pricing, working out complex loan scenarios, and understanding mortgage banking from all aspects of the business.

Email: Nef.Bromber@urwholesale.com
Phone: (818) 486-8787

Joe Embree

Area Sales Manager

My mortgage career began in 1992, right out of college. My first job was with TransAmerica Financial. I have been in the mortgage business for about 30 years. Most of this time has been in Wholesale lending, I love putting together and originating mortgages. Other roles have included Customer Service Rep, Doc Drawer, Lock Desk Coordinator, Account Executive, and Regional Production Manager. Prior to entering the mortgage industry, I graduated from San Diego State University in 1991 with a BA in Economics, and a Minor in Business Management. I’ve been married since 1996 with 2 daughters, 18 and 21. I enjoy family time, college sports, outdoor activities, and thoughtful conversation on a wide variety of topics.

Email: joe.embree@urwholesale.com
Phone: (951) 368-9217

Giovanny Cabrera

Account Executive

I have close to 25 years in the mortgage industry. I began as a Loan Officer in 1998. After working in the Retail side of the business for a few years, I decided to make the change to Wholesale.

My Wholesale journey has included work stops for A-paper, Sub-Prime, Reverse lenders, and everything in-between.

Outside of work, I enjoy spending time with my family, especially my 6-year-old daughter Giuliana. I was born and raised in the L.A. area of Sothern California and still reside here, but also spend quite a bit of time at our family second home in Palm Desert, Ca.

I look forward to getting to know everyone on the URW team.

Email: giovanny.cabrera@urwholesale.com
Phone: (951) 481-1422

Jill Booth

Senior Account Executive

I have 20+ years of experience as a wholesale and correspondent Account Executive. I began my career in the mortgage industry in 1998 as an underwriting assistant then moved over to the Account Executive position in 1999.  Originally, I worked for New America/Aegis for 9 years, moved to SunTrust for 4 years then over to Caliber Home Loans for 11 years.  I recently landed at Unified Reliance Wholesale and I am very honored to be part of this team.  Prior to entering the mortgage industry, I earned a Bachelor of Science degree at San Diego State University. I live in the San Diego area with my husband and 2 children.  My interests include yoga, hiking, traveling, and spending time with my family.

Email: Jill.Booth@urwholesale.com
Phone: (619) 888-6057

Mark Moreno

Account Executive

Originally trained as an Underwriter, Mark Moreno has been structuring Mortgage Loans for almost 30 years. Mark’s well-rounded career has included Operations, Compliance, and Production. As a broker for 12 years, Mark has had firsthand experience in the start to finish life of a mortgage loan. The transition into Wholesale right after the 2008 Mortgage Crash was a smooth process and Mark took well to the challenge of structuring loans, comparing Loan Guidelines, and ensuring his referral network grow their production. He works with a philosophy of Surprise and Delight to not only the customer, but also the referral source. When not at work, Mark enjoys Fishing, Cooking, and long motorcycle rides.

Email: mark.moreno@urwholesale.com
Phone: (951) 306-1271

Stephen Carter

Account Executive

I have invested over 16 years (collectively) in the Mortgage Sales Industry dating back to 2002 with Ameriquest Mortgage Company as a Retail Account Executive. In recent years (2017 until now) I have spent time in the Wholesale space which has been nothing short of enlightening and educational. I enjoy servicing and building fruitful relationships with my clients. I am trained and proven in VA, FHA, NQM (depending on the lender) and USDA products. I am at URW because I know that the team here can handle the hardest of tasks with ease, which in turn makes your interaction with me a smooth one. I want each one of my clients to WIN so if you are a performance driven Mortgage Broker, Banker or Loan Officer, let’s connect so that your clients will reap the benefits of our hard work and commitment! I look forward to hearing from both you and your amazing team of professionals!!

Email: stephen.carter@urwholesale.com
Phone: (909) 678-1967

Jason Wood

Account Executive

I started as a retail LO in April of 1992 and transitioned to wholesale in November of 1993 working for First Nationwide Mortgage. I have been in wholesale ever since and I enjoy the relationships/friendship I have been able to build over the years. I love structuring and closing loans with business partners. Prior to starting my career, I graduated from San Diego State University with a BS in Finance, and a Minor in Psychology. I have been married since 1999 with 3 daughters, 20, 19, and 17. I enjoy family time, all sports, playing tennis, pickleball and anything the family wants to do.

Email: jason.wood@urwholesale.com
Phone: (949) 521-0144

Abdul Aref

Account Executive

I’ve been in the mortgage industry since 1989 and have been in the Wholesale side since 2000. I’ve built a strong reputation in the market place with my knowledge of products and guidelines along with my strong customer service commitment to my brokers. My broker’s can count on my expertise for a successful submission thru funding process.

I specialize in Agency and Jumbo products.

I’m a proud parent of 2 children and have been blessed to be married to my loving wife for almost 30 years.

I enjoy cooking, travelling, and socializing with friends. And for added fun, I play tennis and card games. Much to my wife’s dismay, I’m a sports junkie so I watch just about any sport on TV.

Email: abdul.aref@urwholesale.com
Phone: (951) 319-4510