Team
Joel Hansen
Vice President of Sales and Business Development
Phone: 517-290-4754 | Email: joel@pacificprivatemoney.com
Joel Hansen is the Vice President of Sales and Business Development at Pacific Mortgage Capital, specializing in the fix-and-flip, jumbo, super jumbo, and non-QM markets. With extensive industry experience, Joel focuses on building long-term relationships and delivering personalized mortgage solutions that align with his clients’ financial goals. His consultative approach ensures clients receive optimal financing options, backed by deep market insights and strategic partnerships.
Joel’s strength in fostering partnerships and delivering exceptional service has been key to his success. He continuously tracks market trends, identifying opportunities that drive growth and deliver results. Integrity is the foundation of his business, and he remains committed to providing clients with trustworthy advice.
Joel holds a Bachelor’s degree in Business Administration and Management from Northwood University. He is licensed with NMLS #595706 and California: CA-DBO595706.
Joseph Biondo
Director of Operations
Joseph Biondo is the Director of Operations at Pacific Mortgage Capital, where he oversees the entire loan process, from origination through closing, ensuring the production of high-quality, salable mortgages. Since joining the company in 2021, he has played a key role in building out the operations function.
With over 30 years of experience in the mortgage industry, Joseph specializes in mortgage operations and underwriting. His extensive career also includes serving as an Operations Manager at other companies, and as Funding Manager, where he managed the document drawing process and all funding functions. This hands-on experience across all phases of loan origination has propelled him into senior operations management roles. At Pacific Mortgage Capital, Joseph oversees the training of operations staff and develops processes and procedures to streamline the company’s workflow. He has previously built mortgage operations from the ground up and has also owned his own brokerage firm.
A licensed Real Estate Broker (#00985978) for over 30 years, Joseph has extensive expertise in a wide range of loan products, including Conforming, Jumbo, and Non-QM, with a strong track record in underwriting each. He majored in Finance at the University of San Francisco.
Scott Ward
Director of Business Development
Phone: 972-351-6949 | Email: scott@pacificprivatemoney.com
Scott Ward recently joined Pacific Mortgage Capital as the Director of Business Development. He brings over 25 years of real estate experience, including development and construction in both commercial and residential properties. Scott has facilitated capital arrangements for over 2,700 ground-up construction and renovation loans, sourcing more than $500 million in direct capital for both debt and equity. Additionally, he has over a decade of experience in one-on-one trust deed investment placements for investors across various verticals and asset classes, all with successful exits.
Scott is also a seasoned underwriter, fund manager, and home flipper/builder. His real estate career began during college, where he managed rental properties, gaining hands-on experience in all phases of income-producing property management. Over the years, Scott has advised on and developed property investment opportunities for retirement and vacation rentals in beach areas across Florida, Michigan, and New Jersey, as well as for oil field and drilling communities. He has also worked with hospitality assets in North Dakota, California, Texas and Florida.
In recent years, Scott has focused primarily on commercial and residential tract development, debt fund management, and short-term financing exits to secondary capital markets, specifically targeting mid-size, income-generating opportunities. He is passionate about educating investors on construction financing, with a focus on long-term growth and sound exit strategies.
Scott is a certified fund manager, has been published in Private Lender Magazine where he is a regular contributor and subject matter expert on debt funds, and has held real estate licenses in multiple states for over 20 years. He also serves on the Education Committee for the American Association of Private Lenders (AAPL) and is the host of the AAPL Fund Forum, a monthly C-suite podcast widely regarded within the private lending industry for its focus on education and best practices.
Robin Kozelka
Account Executive
Phone: 415-567-7141 | Email: rkozelka@pacmortgagecapital.com
Robin Kozelka is a Wholesale National Non-QM Account Executive at Pacific Mortgage Capital, renowned for her deep expertise in the Non-QM space, which has earned her the trust of top-producing brokers and loan officers.
With decades of experience in the wholesale mortgage industry, Robin began her career by helping grow Mandalay Mortgage from a small subprime lender to a $2 billion annual producer, building the nation’s #1 producing team. Since then, she has excelled as a top Non-QM Account Executive with leading lenders, including Angel Oak, Arc Home LLC, N2 Funding, Logan Finance, and Excelerate Capital. Robin’s expertise in Non-agency/Non-QM loans provides her brokers with a competitive edge in the market.
At Pacific Mortgage Capital, Robin offers access to essential Non-QM products that brokers rely on, as well as an expanded range of private money solutions, including fix-and-flip, construction, bridge, commercial loans, cross-collateral loans, and stated income/stated asset options. This breadth of offerings allows her to help brokers serve a wider array of clients and loan types.
Robin holds a Bachelor of Arts from Kent State University. She is also a dedicated board member of the California Association of Mortgage Professionals (CAMP) and was honored with the Affiliate of the Year award in 2022 for her significant contributions to the mortgage industry.
Sylvia Barrios
Wholesale Account Executive
Phone: 949-449-5665 | Email: sylvia@pacificprivatemoney.com
Sylvia Barrios is a Wholesale Account Executive at Pacific Mortgage Capital, bringing over 30 years of experience in the mortgage industry. Starting her career in 1990 as a mortgage broker, Sylvia initially focused on purchase loans, working closely with real estate agents, investors, and consumers. In 2014, she transitioned to wholesale lending, where she now collaborates directly with loan officers to structure customized financing solutions.
Her expertise spans a wide range of loan products, including FHA/VA, Fannie Mae, Freddie Mac, hard money, private capital loans, reverse mortgages, fix & flip projects, construction loans, hotel financing, large-scale project funding, equity/cash raising, and business financing. Sylvia’s commitment to delivering the best possible outcomes for her clients makes her an integral part of the team.
Sylvia holds a California Real Estate Broker license (Ca DRE #01061732) and a California NMLS license (#904670). She continually advances her knowledge through ongoing coursework in real estate, marketing, and business development.
The team at Pacific Mortgage Capital is comprised of industry veterans who have worked across the entire spectrum of lending from conventional to non-QM to private money. This breadth of experience enables the firm to offer guidance and solutions to borrowers across diverse situations.