Seasoned mortgage banker with 35+ years of experience, John leverages deep industry knowledge gained since graduating from James Madison University in 1985 to guide clients at CBM Mortgage. His expertise spans regulatory testimony, underwriting guideline development, and mortgage division management. A proven driver of corporate growth, John previously boosted an organization's production platform by over 400%. At CBM, he fosters a culture of excellence, prioritizing the personal and professional development of his team. John believes mortgage banking is fundamentally about people, valuing relationships and individual goals above transactions. Outside of work, he enjoys travel, church involvement, and outdoor activities, especially gardening.