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The Back Bay Funding Team



Co-Founder / CFO

Office: 949.650.0770 ext 1111 Cell: 714.322.9400 Email: DRE# 01249905 NMLS# 253466 An entrepreneur at heart, John Parenti Co-Founded Back Bay Funding in 2002. Having successfully created, developed, and sold two thriving businesses, Back Bay Funding was the next natural step for John in the evolution of his career. Designed specifically to offer personalized service, the brand has earned a reputation for quality relationship lending and client focused transactions. A licensed broker since 1998, John has personally funded more than half a billion dollars in both residential and commercial loans. Consistently striving to provide the utmost in client satisfaction, John’s simple yet effective philosophy combines a service-first approach paired with innovative lending solutions that are crafted to meet the needs of each unique situation. His dynamic experience ranging from construction, commercial, and multi-use financing to first time home buyers, jumbo loans, and 1031 Exchange opportunities allows him to provide a wide range of advice and support to the Back Bay Funding team. Committed to the continued growth of his respective industry, John is an active member of the National Association of Mortgage Brokers, the Newport Beach Association of Realtors and the Orange County Association of Realtors. An East Coast transplant, John relocated to Orange County after graduating from Boston College with a degree in Economics. Currently residing in Corona del Mar, John is passionate about the environment and dedicates time as a board member of the Environmental Nature Center in Newport Beach (ENC). Their mission is to inspire all generations to protect the natural world by serving as the community’s foremost authority on ecological responsibility, sustainable practices and environmental education. “Client service is the basis of our business. It is the reason why clients finance their homes and investments with Back Bay Funding time and again.” –John Parenti, President & Co-Founder, Back Bay Funding



Co-Founder / COO

Office: 949.650.0770 ext 1113 Cell: 714.272.9219 Email: DRE# 00989459 NMLS# 293707 After graduating from Cal State Northridge in 1983, Dean joined World Savings in 1984. During his tenure, Dean was active in business development at the Company. In 1988, he pioneered World’s Wholesale Lending Division and was responsible for developing their proprietary Preferred Mortgage Broker Training Program. Dean was also a member of the elite Golden Circle Society at World Savings from 1986 to 1989. After numerous years on the wholesale lending side of the industry, Dean joined a local mortgage broker to focus on building his clientele. He utilized his business development experience to revolutionize the Company’s lending practices. In 2002, Dean co-founded Back Bay Funding, a boutique mortgage lending firm focused on relationship lending and client focused transactions. Over his 30 plus years in the mortgage lending industry, Dean has funded in excess of $3 billion in residential and commercial loans. Dean’s unparalleled attention to detail and commitment to his clients have greatly contributed to his success. Over the years, Dean has been nationally recognized by several institutional lenders and banks for being one of the top loan originators in the nation. Areas of Expertise Finding solutions for home owners and home buyers. Personal • Married 28 years to Diane • Resides in Newport Beach, CA • 3 Kids- Bree, Matt, Gabi • Board of Directors for the Boys and Girls Club, Harbor area • Member of the Balboa Bay Club



Co-Owner / CSO

Office: 949.650.0770 ext 1126 Cell: 949.400.8725 Email: DRE# 01354686 NMLS# 302192 Debby finally became a partner after 20 years with Back Bay Funding in July of 2023! Back in 1987, Debby graduated from UCLA, with a BS in Economics & Psychology. Even from her college days, Debby was formulating an understanding of why people spend money! After 20 years in the Corporate Retail environment, Debby decided to put her business savvy and expertise in analysis and spreadsheets to better use- and became a mortgage broker with Back Bay Funding in 2003. Debby loves the challenge of the financial mortgage planning aspect. She provides an analysis of a client’s current debt obligations and recommends a strategy to maximize taxable interest deductions and reduce monthly expenditures. Debby takes great pride in servicing her clients with the respect and service that they demand. She provides recommendations based on the client’s specific needs while being conservative in her guidance. Debby believes that this honest approach has won her Orange County’s Five Star Mortgage Professional Award annually since 2010 along with Business Professionals Executive Who’s Who since 2013.



Loan Officer

Office: 949.650.0770 Cell: 949.922.5956 Email: DRE# 01319033 NMLS# 859615 Carly is an experienced Mortgage Consultant, well know throughout the local marketplace not only for her ability to deliver results, but for integrity, professionalism, and dedication to her clients’ best interest. With more than 16 years of experience in the industry, she has worked through a variety of economic conditions and proven her ability to create successful outcomes. Also, having worked as a Realtor, Carly brings to the table a solid understanding of real estate purchase transactions. With such a broad-spanning set of skills and talents, Carly is one of the most seasoned Mortgage Consultants in Orange County.



Loan Advisor

Office: 949.650.0770 Cell: 323.919.6055 Email: NMLS# 1827842



Loan Officer

Office: 949.650.0770 Cell: 714.767.7999 Email: DRE# 02112823 NMLS# 982441 Throughout Erik’s career, he has come to realize that a person’s long-term goals matter just as much as their present objective. He quickly learned that providing competitive rates, worry-free lending processes, and top tier customer service is only a portion of what it means to be a trusted mortgage consultant.  In order to set himself apart, he has aligned himself with a network of experienced professionals that cover Wealth Management, Trust Attorneys, Life Insurance, and Tax Principles. Erik’s goal is to not just be a transaction-based mortgage originator, but a lifetime resource for his clients. After graduating from Edison High School Erik joined the United States Army. Upon completion of his tour in Iraq, he separated from the military and went on to earn a degree in Business Marketing from Cal State Long Beach. Erik currently resides in Costa Mesa with his wife Malia, and children Nicholas and Mia. When not spending time with his family, Erik is a mentor with Big Brothers of Orange County and active with his local church.



Loan Officer

Office: 323.545.3965 Cell: 323.252.9015 Email: DRE# 01368888 NMLS# 209692 I have been working as a mortgage lender since 2002 and I take pride in the fact that I run a low volume business. I don’t have any quotas to meet and that’s a good thing! In running a low volume business, it means I’ve always got time for you, my client. I’m able to spend as much time as you need on you!!.... explaining the loan process, researching loan programs and rates to find the best product for you and your long- or short-term goals, and communicating throughout the process with you and the team we’ve put together to close your transaction smoothly and on time. Understanding and trust are two KEY items in working with a lender to finance your home. Good communication helps this to happen. My college degree (CSUF) is a Bachelor of Arts in Communications. I’d love the opportunity to work with you.



Loan Officer

Office: 949.650.0770 ext 1108 Cell: 949.683.2920 Email:  DRE# 01971297 NMLS# 1341460 Dylan got his start in the mortgage business in 2014.  Entering the industry during a major refinance boom, he was able to hit the ground running and quickly learned what it takes to be a successful loan originator. He was introduced to the mortgage business by a fellow Newport Beach Lifeguard with whom he had worked side by side for the prior decade.  His job on the beach working for the City of Newport Beach Fire Department kept him busy during the summer months while he finished a double major in Technology Entrepreneurship and Environmental Science at the University of California, Santa Barbara. One of the reasons why Dylan succeeds in this industry is that he takes great pride in helping his clients, whether it’s buying their first home or saving money through refinancing, and everything in between.  He is challenged daily and continues to learn as much about the industry as he can.  Outside of work, Dylan enjoys traveling, surfing, and coming home to his girlfriend and newly rescued dog.



Loan Officer

Office: 949.650.0770 Cell: 949.705.7473 Email: DRE# 02075230 NMLS# 375702 Doing the right thing for people is the cornerstone of my success. I provide everything from FHA to complex Jumbo financing. My business partners and clients consider my understanding of lending guidelines and my ability to thoroughly pre-underwrite a lending file, as a few of my strengths. I worked my way through college at a large American bank. Within a few years, I became a Vice President and Relationship Manager, working with the banks high net worth clients, assisting them with mortgages, deposits, and investment accounts. After the financial crisis, I decided to use my skills to work in an area where I could best help people. I dipped into my entrepreneurial spirit and I became a mortgage advisor. My business partners and agents would also say I have an extraordinary attention to detail and consistent communication, leading to a lot of my business coming from word of mouth. Lending guidelines are constantly changing and the overall process can be tough for some clients. One of the most important things when buying a home is that your buyer has the right loan officer by their side from start to after finish. And that is what I always strive to maintain with every single transaction. In addition, when a transaction presents unnecessary red tape …. I have a strong track record of working through the issue in a way that is favorable for the borrower. I enjoy educating the public on creative loan products and coaching real estate agents on how to get more buyers. I can door knock and cohost select open houses, among other things. I joined Back Bay Funding as a Production Manager / Senior Mortgage Advisor because of our impeccable reputation, strong leadership, and exceptionally competitive rates. And in this market, lower rates combined with product knowledge make it easier for buyers to qualify. As a direct lender and broker, I have a plethora of loan programs and more lending products than I ever have. The vast amount of loan options I have gives great flexibility in being able to close different kinds of transactions. I am passionate about travel and animals, and spend time devoting myself to the animal rights. I also have made physical fitness a priority in life, with a goal of running a marathon by year end.



Loan Officer

Office: 949.650.0770 Cell: 949.543.0606 Email: DRE# 01956076 NMLS# 1887577



Loan Officer

Office: 949.650.0770 ext 1130 Cell: 949.510.3196 Email: DRE# 01310649 NMLS# 306674 What is your story? I have found that there are no two alike. I pride myself in matching your unique story and situation to the most suitable loan program, with a reputable lender, at the most competitive price. It is my goal to provide an excellent resource of information so that you can make an educated decision to accomplish your long term needs and goals. Background 21 Consecutive Years in the Loan and Mortgage Industry Long-Term Member of CAMB and the Orange County Association of Realtors BA California State Fullerton, Finance / Minor Economics Licensed Salesperson with California DRE Active Member for 9 Years of the South Orange County Regional Chamber of Commerce Areas of Expertise Conventional, Jumbo and FHA Financing First Time Homebuyers Fannie Mae and Freddie Mac Programs Non-Conforming Financing Knowledgeable with Fixed, Adjustable and Interest Only Loans Multi-Unit Properties Construction Loans Personal Orange County Native – Reside in Rancho Santa Margarita Enjoy all Outdoor Sports, especially Tennis Angels Season Ticket holder for Many Years Enjoy Cruising Love to Cook



Loan Officer

Office: 949.650.0770 Cell: 949.395.2349 Email: DRE# 02113965 NMLS# 1958265 Buying and owning a home is one of the largest financial commitments you will make in your lifetime. We understand the need for effective communication and honesty every step of the way. Unlike many loan officers, Faye and Kelsey are both Mortgage Bankers and Mortgage Brokers, allowing clients to have the most current choices, flexible guidelines and competitive rates available to them. We can originate purchase and refinance loans for properties anywhere in California & many other states. We strive to provide an effortless transaction while giving you the customer service that you deserve. For over 30 years, clients and real estate agents have chosen Faye Markland as their trusted mortgage advisor. Nearly 100% of her business is generated from repeat customers and referrals. As a result, many customers have become customers for life. In 2020, Faye partnered with her daughter, Kelsey Kinsey, who she is mentoring and passing on her years of knowledge and experience to. Kelsey's focus is not only building her own business, but also getting to know Faye's life-long customers. Together as a team, you can feel confident you are working with a team of highly qualified and ethical individuals in the lending industry. We look forward to working with you to achieve your goals and dreams, now and years to come.



Loan Officer

Office: 949.650.0770 ext 1128 Cell: 714.609.2643 Fax: 949.650.9333 Email: DRE# 00813219 NMLS# 328696 As a California native, Rosalie understands the diversity of this great state and the special requirements needed to incorporate a wide variety of lending options to suit our unique landscape. From countryside homes to vineyard hobby farms; coastal, mountain and desert resorts; city and suburb, all have different requirements. Special attention to each individual borrower and property is of upmost importance to Rosalie in securing the most advantageous loan for her clients. Rosalie has over twenty-five years of lending experience and has learned one of the most important aspects of business is simply to listen to the client and treat them fairly. Communication is key to a successful loan package finalizing with a financial decision that will benefit the client over the years. Rosalie grew up in Rancho Cucamonga and came from a long time vineyard family and had the wonderful experience of vineyard life. She attended Cal State Fullerton. Rosalie lived in Europe for a year and traveled extensively. Italian is her favorite food and if you speak Italian, or not, please call and say Ciao!



Loan Officer

Office: 949.650.0770 Cell: 949.584.3616 Email: DRE# 00847530 NMLS# 323836 Buying and owning a home is one of the largest financial commitments you will make in your lifetime. We understand the need for effective communication and honesty every step of the way. Unlike many loan officers, Faye and Kelsey are both Mortgage Bankers and Mortgage Brokers, allowing clients to have the most current choices, flexible guidelines and competitive rates available to them. We can originate purchase and refinance loans for properties anywhere in California & many other states. We strive to provide an effortless transaction while giving you the customer service that you deserve. For over 30 years, clients and real estate agents have chosen Faye Markland as their trusted mortgage advisor. Nearly 100% of her business is generated from repeat customers and referrals. As a result, many customers have become customers for life. In 2020, Faye partnered with her daughter, Kelsey Kinsey, who she is mentoring and passing on her years of knowledge and experience to. Kelsey's focus is not only building her own business, but also getting to know Faye's life-long customers. Together as a team, you can feel confident you are working with a team of highly qualified and ethical individuals in the lending industry. We look forward to working with you to achieve your goals and dreams, now and years to come.

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Loan Officer

Office: 949.650.0770 Cell: 714.323.6511 Email: DRE# 02191558 NMLS# 1442819 I am a Mortgage and Real Estate professional committed to providing my clients with the best possible experience. Whether buying or selling, I provide accurate information and intelligent options to empower my clients in achieving their desired goals. I invest my time to build long term relationships based on integrity, loyalty and respect of my clients’ best interests and objectives. I measure my success by the repeat business and referrals I receive from clients, whom eventually turn into family. Allow me to guide you through a smooth transaction process and let us expand your homeownership today!



Loan Officer

Office: 949.650.0770 Cell: 818.568.8842 Email: DRE# 02215134 NMLS# 2102351 Welcome from Orange County, California! I'm Kajal Patel, and while many know me for my seasoned history as a loan officer, I'm also a licensed realtor proudly serving the Californian community. Mastering the Lending Landscape With a deep-seated foundation in the lending industry, I offer my clients unparalleled expertise: •Tailored Loan Consultation: I prioritize understanding each client's unique financial circumstances, ensuring I offer loan solutions that align with your personal and financial goals. •Broad Lender Network: Over the years, I've fostered relationships with a wide range of lenders. This network allows me to provide you with competitive rates and favorable terms tailored to your needs. •Demystifying Lending: The lending world can be intricate, with its jargon and fluctuating rates. My mission is to simplify this process, ensuring you're informed and comfortable every step of the way. •Nationwide Assistance: While based in California, my lending expertise spans coast to coast. Regardless of your location in the U.S., I am equipped and ready to assist with your lending needs. Realtor Expertise in California In addition to my lending prowess, I am a licensed realtor in California. This dual skill set allows me to offer comprehensive advice, whether you're looking to finance a property or find the perfect Californian home. Stay Connected For insights into the lending world, as well as Californian real estate highlights, join me on: •Instagram: @Kajalestates •Facebook: @kajalrealestateandlending Your Financial and Real Estate Partner Your success, both in securing the best loan and in navigating the Californian real estate market, is my utmost priority. I'm not just here to advise; I'm here to partner with you on your journey. Let's Begin Poised at the intersection of lending and real estate, I'm uniquely positioned to guide you through both worlds. Contact me today, and let's pave your path to success



Loan Officer

Office: 949.650.0770 Cell: 949.533.0642 Email: Steven Saucer on Zillow DRE# 01434475 NMLS# 322763 Steve Saucer and his team are dedicated to helping you to achieve your home ownership goals by working closely with you and the real estate professionals who sell homes in our area. At Back Bay Funding, Steve offers his clients Direct access to a large range of mortgage options to help you identify the best loan program and ensure competitive rates. Our highly experienced staff combines world-class service to allow us to realize our Main goal of providing clean, simple, make sense loan process – minimizing hassles and surprises. Steve Saucer has been working in the real estate and financial service industry for 35 years and has served the mortgage needs of Laguna Beach, Newport Beach, and the surrounding communities for the past twenty years by providing unparalleled customer service and maintaining long-term relationships with both his past clients and local business partners. Steve prides himself in providing a personal touch, educating his clients, and maintaining open and frequent communications. Steve is highly dedicated to his client’s specific needs and is very committed to creating an emotionally positive experience for his clients both during the loan transaction and after it closes. Steve is an active affiliate member of the Laguna Beach Board of Realtors and an avid supporter of the performing arts. Raised in San Diego, Steve graduated Magna Cum Laude in real estate-finance from San Diego State University and currently resides in Laguna Niguel. Steve enjoys weightlifting, Pilates, yoga, and hiking.



Loan Officer

Office: 949.650.0770 ext 1114 Cell: 760.845.3643 Email: DRE# 01302358 NMLS# 327784 Bret Smalley has been working in mortgage finance for the past 27 years and working with Back Bay Funding since December of 2014 as a Senior Loan Officer. In his time with Back Bay, Bret has funded over $100 million in residential mortgages. Bret’s previous position was as Director of First Carlsbad Mortgage where he was responsible for all the processing and underwriting for the company. In addition, he originated new business for the company and maintained the relationships with all escrow and title services. Bret and his longtime friend and partner, Greg Porter, started residential mortgage operations in 2009 and grew the company from a standing start into a business that was well respected in the lending community and was driven by referrals from satisfied clients. Between the two partners, First Carlsbad Mortgage originated over $75 million in residential mortgage loans. He joined Starlight Capital Advisors, the parent company of First Carlsbad Mortgage, upon its inception in 2009, to service the growing renewable energy market. In the first year of Starlight’s operation, they consulted on over $3.6 billion in renewable energy projects. Bret considers this sector to be the most important of the country’s economy and future growth. Bret has emphasized his commitment to exceptional customer service and accurate communication throughout his career. His goal is to provide the most useful and financially responsible guidance to his clients so that they can make the best decisions for their unique situations. He has worked as a data integrity auditor, a funder, an account manager, an underwriter and an appraisal reviewer for publicly traded mortgage lenders prior to becoming a loan originator. This breadth of experience allows Bret to share a great deal of insight with his clients when it comes to how lenders make their decisions about loan requests and borrower histories. Bret also provides credit counseling to potential home buyers and young people just getting started with their financial lives, as well as people who find themselves in difficult credit positions due to a variety of factors. Bret attended the University of Southern California where he earned a Bachelor of Arts Degree in Psychology with an emphasis in Neuropsychology. Bret has held his California BRE Real Estate Sales License since 2001 and his National Mortgage Licensing System and Registry (NMLS) License since the inception of that system.



Loan Officer

Office: 949.650.0770 Cell: 714.928.8560 Email: DRE# 01130490 NMLS# 352071



Loan Officer

Office: 949.650.0770 Cell: 949.246.2812 Email: DRE# 0929296 NMLS# 826964 Velia has been helping people buy and sell real estate for over two decades. She is a real estate broker and a mortgage loan advisor. She is passionate about serving her clients by going over and above to meet their needs whether it is finding the right home, selling your home, exchanging an investment property or putting them in the right mortgage. “I treat every client like family, and I have a big family”! Velia is committed to being available to clients seven days a week by phone via call, text or email. “It’s not about a transaction, it’s about helping people with life changing decisions and their happiness”. Velia’s personal life includes being married for 34 years and raising a daughter. She enjoys cooking to feed and entertain family and friends, doing crafts like macrame, painting and lots of DIY projects. She keeps in shape by running/walking. Lastly Velia is passionate about mentoring and encouraging women in their faith.



Loan Officer

Office: 949.650.0770 x 1103 Cell: 714.318.5512 Email: DRE# 01309292 NMLS# 250206 Carlos began his mortgage banking career in 1987 with Columbia Savings and Loan. He then went to work for World Savings in 1990. His tenure at World Savings started as a retail rep where he earned various President Club Awards and was then promoted to a wholesale position where he continued his career with World Savings until 2008. Carlos currently holds a broker license with the Bureau of Real Estate and Mortgage Loan Originators License. Carlos always has the borrowers needs at the top of the priority list. He believes that each situation is unique and that different scenarios should be presented to the borrower in order to make an educated decision. Carlos attended and graduated Katella High School in 1980. He then went to Fullerton Junior College and played baseball for them in 1981-1982. He recently was inducted into the Baseball Wall of Honor at Fullerton College. From there Carlos played Division 1 College Baseball at Fresno State. The 1984 team is part of the Fresno State Hall of Fame. When he is not working you will find Carlos attending his son Nicks baseball games or watching his son Alex play Lacrosse. Carlos has been married to his beautiful wife Maite for 22 years.



Loan Officer

Office: 949.650.0770 Cell: 714.612.1860 Email: DRE# 01391013 NMLS# 353321

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Office Manager

Office: 949.650.0770 ext 1106 Cell: 949.677.9247 Email:



Fulfillment Manager

Office: 949.650.0770 Email: Maia Parenti, also known as “The Queen,” is our Fulfillment Manager working on correspondent files to fund and ensure investor purchase. Being the daughter of John Parenti, Maia joined Back Bay Funding in 2003 as a Loan Processor. After several years of blood, sweat and oh so many tears, she was promoted to Processing Manager – a title she takes loosely as she considers our BBF processors as close friends (and cohorts). In her spare time, Maia likes to hang with her dogs, go on hikes and eat vegan cupcakes.



Compliance Coordinator

Office: 949.650.0770 x 1110 Email: Brenda has been with our company since February 2014, originally starting with us in our insurance division then transitioning into her current roll of Compliance Coordinator and LOA to John Parenti and Dean Valeriano.




Office: 949.650.0770 ext 1105 Cell: 714.264.7995 Email: Renee has been an integral part of the Back Bay Funding team for over 21 years. As a mortgage loan processor, she has helped countless clients achieve their dreams of homeownership. Her dedication to her work is matched only by her love for her family. When Renee isn't busy at the office, she enjoys spending time with her two children, Samantha and James, and her furry companion, Lola. As a working mother, Renee understands the importance of balancing work and family life, and she strives to be a positive role model for her children. Despite the challenges that come with working in the mortgage industry, Renee always maintains a positive attitude and a strong work ethic. Her commitment to excellence has earned her the respect and admiration of her colleagues and clients alike. Back Bay Funding is fortunate to have such a talented and dedicated team member in Renee.



IT Manager

Cell: 714.396.6564 Email:



Marketing Director

Cell: 949.291.1921 Email:

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