ABOUT TRINITY REVERSE MORTGAGE

Michael Fullam comes to the Reverse home mortgage industry with 20 years experience in Accounting & Taxation. After selling his practice, he decided to open a business that educated seniors on the benefits of Reverse home mortgages. When he entered the field, Michael discovered he needed to familiarize himself with seniors' challenges and lifestyle. For perspective, and to better counsel them on a mortgage product suited to their needs, he became a Certified Senior Advisor (CSA). There is a code of ethics and principals for all who are in good standing with the society of Certified Senior Advisors. If a reverse home mortgage does not perfectly fit a client's needs, he recommends either a traditional mortgage refinance or a consultation with a financial advisor or accountant. In some cases, clients are referred to a trust attorney who sets up an instrument to pass all remaining equity to beneficiaries without going through Probate.

A CSA is a professional - with a plus. The CSA designation is a universal supplement to anyone who works with seniors. CSAs understand and communicate with seniors on their terms on the subjects that most influence their lives. And if they can't help seniors directly, CSAs know how to find them the help needed. Other designations teach about products or professions. CSA's teach about people. Please visit the CSA website: http://www.society-csa.com/

The National Association of Enrolled Agents (NAEA) is the professional society representing some 40,000 Enrolled Agents (EAs) nationwide. The 11,000 members are licensed by the U.S. Department of the Treasury to represent taxpayers before all administrative levels of the Internal Revenue Service (IRS), including examination, collection, and appeals functions. While the Enrolled Agent license was created in 1884 and has a long and storied past, today's EAs are the only tax professionals tested by IRS on their knowledge of tax law and regulations. They provide tax preparation, representation, tax planning, and other financial services to millions of individual and business taxpayers. EAs adhere to a code of ethics and professional conduct and are required by IRS to take Continuing Professional Education. Like Certified Public Accountants (CPAs), Treasury Circular 230 governs EAs in their practice before the IRS.

Clients All of our clients are treated with care and respect. Loans are processed in 25-45 days and progress reports are given weekly, so clients feel comfortable every step along the process. Michael or one of his associates would be happy to discuss individual scenarios and how Reverse home mortgages work on a case by case basis.

STAFF BIOS

Michael R Fullam
Founder, Broker and CEO

Michael founded Trinity Reverse Mortgage as the FHA Broker for the company in 2006. Michael Fullam entered the Reverse Mortgage Industry in 2003. After setting up a local lender in the FHA business, staffing and training, he left to set up his own business as Trinity Reverse Mortgage.

Michael's concentration is growing the reverse business in California as well as expanding to other states. This can only be done by treating people the way we ourselves would like to be treated. The entire staff is chosen, trained and retained based on this philosophy.

Prior to Trinity Reverse Mortgage, Michael was the Co-Founder of Dana & Fullam, a Tax and Accounting Firm for 20 years. As a Co-Founder, he specialized in business development and grew the business to a large number Accounting clients as well as preparing over 1200 tax returns each year, for Individuals, Partnerships, LLC's, Corporations, Estates and Trusts.

Michael's passions are home remodeling/construction, gardening and photography.

Carol Dana Fullam
CFO & Operations Manager

As CFO and Sales Manager, Carol oversees all financial, corporate, legal, HR administrative and Sales operations at Trinity Reverse Mortgage. As an Enrolled Agent, Carol brings over 20 years of diversified experience in finance, accounting and taxation, budgeting and cash management, contract and risk management, human resource management and business operations.

Prior to joining Trinity Reverse Mortgage, Carol co-founded Dana & Fullam, a Tax and Accounting firm specializing in Taxes for individuals and businesses. Dana & Fullam services over 1000 clients. After selling the firm in 1998, Carol entered the Advertising world as the San Francisco CFO of Euro (the fifth largest advertising company in the world). At Euro, Carol managed all financial operations and participated in developing a company-wide financial policy and procedure manual. She also directed subsidiary office migrations.

Carol's passions besides work are her family, animals, exercise and making cookies.

Brandon Ford
Sales Manager

Brandon Ford has fueled Trinity's explosive growth and helped the company attain the position of the most well respected and envied brokerage in the country. He is responsible for driving Trinity's client and partner development, managing internal teams and overseeing operations. He is involved in all aspects of the company's new business efforts, customer service and partner relations.

Since 2003, Brandon Ford has worked in the mortgage and finance industry. As a retired Emergency Medical Technician, Brandon became intimately familiar with the short and long term challenges and opportunities facing today's senior. By specializing in lending programs for people over 60, he helps homeowners stay abreast of market changes and matches clients' needs with the most suitable custom tailored financial solution.

His progressive nature and commitment to "doing the right thing" led him to create and facilitate a DECAL class at Berkeley entitled, "Behaving Socially Responsible with Ethics and Integrity in Investment Banking and Wealth Management." Aligned with Trinity's "best practices," his ethics, integrity, financial acumen and desire to "wow" clients guide his business relationships and product recommendations.

Brandon's passions are family, snowboarding and his dog Toby. He is a graduate of University of California, Berkeley.

Cheryl Y. McNeil
Sr. Loan Processor

Cheryl McNeil's diverse expertise in the mortgage processing industry has propelled Trinity Mutual to achieve a new threshold of results. In pursuit of providing an outstanding customer service, Cheryl McNeil works with the individual client and a team of experts to facilitate and expedite the processes involved in reverse mortgages. Additionally, Cheryl McNeil strives to develop a personal and professional relationship with every client to ensure they receive the most convenient and beneficial package.

With over 27 years of experience working with brokers and lenders, Cheryl McNeil has developed an impressive understanding of the reverse mortgage process, allowing her to foresee unprecedented challenges that may arise and determine a proactive solution. As her remarkable track record indicates, Cheryl McNeil keeps every client informed in every step of the way and reassures them that they will be delighted with their reverse mortgage.

Cheryl's passions are spending time with her family, watching movies and reading a good book.