Meet the Leadership

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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.

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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.

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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.

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Sara Reed
Vice President, Operations

Sara Reed has worked with CMG Financial since 2004, holding a range of positions including loan processor, DE underwriter, account manager, national branch development liaison and branch development and national support manager. Currently, she is the Vice President of Operations. Sara also plays a significant role in new program rollout and special projects, including HomeFundIt and Joint Ventures. Her depth of understanding of CMG Financial Operations combined with her critical problem-solving skills enable her to implement efficient strategy and pursue operational excellence. Sara is an alumni of Golden Gate University in San Francisco and enjoys spending time at the ballpark with her husband and two sons.

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Paolo Gochangco
Vice President, Capital Markets

Paolo Gochangco has worked for privately-held mortgage lenders for over fourteen years. He's held numerous roles including Mortgage Banking Operations, Product Development, Secondary Marketing, and Capital Markets. In 2012, he joined CMG Financial as a Lock Desk Manager and was quickly promoted to Senior Business Analyst and later Vice President of Capital Markets. In his current position, he oversees pricing, hedging and trading strategies, and selling of loans to investors in the secondary market. His abundant experience with secondary marketing and capital markets makes him a dynamic and active leader.

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Melissa Harbourne
Vice President, Human Resources

Melissa Harbourne is an accomplished human resources professional with over twenty-three years of hands on team management experience. An alumni of the University of California, Santa Barbara, she's previously held consultant, generalist, and vice president positions at other financial firms. Since 2017, Melissa has been responsible for all aspects of Human Resources including employee relations, benefits administration, recruitment, systems management and compliance with all federal, state and local employment laws and best practices.

© 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 (http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1820).