Who We Are – Mortgages USA
Who We Are 2017-07-19T19:22:35+00:00

Meet the Team

Your Personal Home Mortgage Experts

Meet the Mortgages USA Team

The Mortgages USA Team is the reason our customers love us — and we can’t wait to introduce you to them. Each member of our team is trained in providing friendly, personal service and accurate, detail-oriented attention. We retain only the most skilled, licensed mortgage loan officers, underwriters, sales professionals and administrative staff, who share our company values and commitment to customer service. Select any individual’s name from the list below to learn more.

Jeff A. Morgan – CEO 2017-07-19T19:51:45+00:00

Mortgages USA was founded by Jeff Morgan, an entrepreneur, and business owner. Morgan is the CEO of MUSA Companies, Mortgages USA’s parent company, and also serves as CEO for MUSA Auto Finance and Internet Auto Group.

Scott Schondau – Executive Vice President of Treasury 2018-07-30T20:17:59+00:00

As SVP of Treasury at Mortgages USA, Scott Schondau manages financing activities, capital sourcing, capital markets solutions, liquidity and other balance sheet concerns for the company. He brings more than 22 years of experience in finance, having served in Managing Director and similar management roles at Alex Brown, a division of Raymond James, Deutsche Bank, Guggenheim Partners, J.P. Morgan Chase, Bear, Stearns & Co. and Principal Financial Securities.

Nicole Manna – General Counsel, Senior Vice President 2018-09-26T01:35:31+00:00

Nicole Manna brings more than 19 years of litigation and compliance experience to Mortgages USA.  Ms. Manna worked as a litigation associate in the Los Angeles office of Mayer Brown where she specialized in complex commercial litigation and later served as a Vice President at JPMorgan Chase as part of the Mortgage Banking audit response team for private investor audits.  Ms. Manna holds a BA from the University of California at Davis in Applied Behavioral Science and a JD from UCLA School of Law.

Bobby Goodwin – CTO 2018-05-29T20:06:51+00:00

Bobby Goodwin brings to MUSA 18+ years of Software Development and Information Technology leadership experience.  Bobby served as SVP of Development and Data Management for Exeter Finance Corp (2010-2018) and was owner of Dynamic Web, a software development firm headquartered in Addison, TX (2001-2010).  Bobby holds an MBA from Southern Methodist University and is a Summa Cum Laude graduate of Texas A&M University with a BS in Electrical Engineering.

Cinde Perales – Chief Compliance Officer 2018-05-29T20:01:22+00:00

Cinde Perales brings more than 30 years of experience Mortgages USA. Before joining MUSA, she served as Senior Vice President of Compliance & Licensing for Exeter Finance Corp, National Funding Operations Leader for Sixth Gear Solutions, and Executive Vice President of Loan Services for GM Financial. Ms. Perales holds a Bachelor’s Degree in Accounting from The University of Texas at Arlington.

Nick Ahmad – Senior Vice President, Sales 2018-05-29T20:00:05+00:00

Nick Ahmad is an experienced Senior Vice President with a demonstrated history of working in the mortgage industry. Skilled in mortgages, Sales, Credit Analysis, Conventional, FHA Financing, and VA Loans. Nick has a strong professional with proven leadership and a keen emphasis on client success.


Fantastic customer service from the beginning to the end. Steven answered all of our questions quickly and efficiently, and even took the time to really get to know us. He would go out of his way to make sure we understood, as well as involved in, every step of the process. I cannot thank him enough for how comfortable he made us feel throughout the entire process. I would highly recommend him, as well as Mortgages USA, to any homebuyer. Thank you for taking care of us!

- Chase Montgomery, Google

Outstanding customer service! Gina Montano was great answering my many questions and guiding me through the process. From deciding the best loan type to closing on my first home, it was a smooth process all the way. She was honest and informative which means a lot to me and my family. Thanks!

- Arlene Aponte Malave, Google

For a 22 year old that wanted to buy her 1st house and had no clue what she was doing...I have to say that Eddie Carmona made this process super easy! He is very friendly which makes the process even smoother! What I love even more about working with Eddie is that it was so easy to reach him either via email or phone! Every question I had was answered! Hands down the best customer service I have received in a while!

- Alexa Bernal, Google