Meet the Leadership

Melissa Richards, ESQ., CMB.
Chief Legal & Risk Officer

With 22 years spent in private law practice specializing in federal and multi-state regulatory compliance and licensing for the financial services industry, Melissa Richards oversees all legal matters as well as the company's Enterprise Risk Management program as Chief Legal & Risk Officer. She has served as director and general counsel for CMBA and was inducted as a Fellow with the American College of Mortgage Attorneys in 2013.

Adam Millstein
Senior Vice President, Wholesale Lending

Adam Millstein is an accomplished sales leader with more than 22 years experience building top performing sales teams in the wholesale space. Prior to CMG Financial, he spent 15 years at MetLife Home Loans holding various positions including Western Sales Leader. Millstein is responsible for the development and expansion of the wholesale channel's national footprint.

Charlie Rogers
Senior Vice President, Retail Lending

Charlie Rogers serves as CMG Financial's Senior Vice President of Retail Lending. Rogers has more than 20 years of experience in the banking and mortgage industry with loan process and pipeline management, recruiting, and developing productive originators. He has held prestigious positions including President, CEO, Managing Director, Regional Vice President, and Executive Vice President at his previous companies. Rogers will support the Retail Lending division by guiding its growth, stability, and reputation nationwide while upholding the CMG Financial brand. His diverse background allows him to bring a wealth of knowledge and ideas to his new position.

Joe Cabrall
Vice President, Correspondent Lending Operations

Joe Cabrall joined CMG Financial in 2005 and throughout his tenure has excelled in many different roles within the organization. His experience is diverse, including managing multiple Wholesale Operation centers, supporting Retail Operations, Sales and Capital Markets. While managing the Operation centers Joe was responsible for the complete loan process; from setup to the sale of the loan to the investor. Within Retail Lending his focus was on sales, and working closely with the operations team to ensure exceptional customer service and support. Cabrall's passion to help others extends outside of the mortgage industry. He has volunteered and raised money through his participation in several AIDs LifeCycle rides, which includes a 600 mile cycling event that benefits non-profit organizations in both San Francisco and Los Angeles.

© CMG Financial, All Rights Reserved. CMG Financial is a registered trade name of CMG Mortgage, Inc., NMLS ID #1820 in most, but not all states. CMG Mortgage, Inc. is an equal opportunity lender with corporate office located at 3160 Crow Canyon Road, Suite 400, San Ramon, CA 94583 888-264-4663. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act No. 4150025; AK #AK1820; AZ #0903132; Colorado regulated by the Division of Real Estate; Georgia Residential Mortgage Licensee #15438; Illinois Residential Mortgage Licensee; Kansas Licensed Mortgage Company #MC.0001160; Massachusetts Mortgage Lender License #MC1820 and Mortgage Broker License #MC1820; Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the New Hampshire Banking Department; Licensed by the NJ Department of Banking and Insurance; Licensed Mortgage Banker – NYS Department of Financial Services; Ohio Mortgage Broker Act Mortgage Banker Exemption #MBMB.850204.000; Licensed by the Oregon Division of Financial Regulation #ML-3000; Rhode Island Licensed Lender #20142986LL; and Licensed by the Virginia State Corporation Commission #MC-5521. CMG Mortgage, Inc. is licensed in all 50 states and the District of Columbia. Offer of credit is subject to credit approval. For information about our company, please visit us at www.cmgfi.com. To verify our complete list of state licenses, please visit www.cmgfi.com/corporate/licensing and NMLS Consumer Access (www.nmlsconsumeraccess.org).