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.

Richard Frunzi – President 2017-07-19T19:52:02+00:00

Richard Frunzi brings more than 27 years of finance experience to Mortgages USA. Before joining MUSA, Frunzi co-founded Exeter Finance Corp, an independent auto finance company headquartered in Irving, Texas and held roles as Chief Operating Officer and EVP of Originations as well as contributing as a board member.  He also brings more than 13 years of experience at GM Financial, where he served in several ascending leadership positions, including Area General Manager, Regional Vice President, and ultimately, Senior Vice President of Originations.

Scott Schondau – Chief Financial Officer 2017-07-19T19:52:17+00:00

As Chief Financial Officer 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.

Nick Ahmad – Senior Vice President, Sales 2017-07-19T19:52:49+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.

Kelly Schaefer – Vice President, Mortgage Operations 2017-07-19T19:53:06+00:00

Kelly Shaefer is an industry veteran with 17 years of experience in both Loan Originations and Servicing. She began in wholesale lending and transitioned into serving as the Director of Default Servicing. She was then chosen to set up and run the Quality Control Department for a consumer direct and retail loan originator before moving over to Product Development. Most recently, she served as the Vice President of the Loan Servicing and Product Development group before joining the Mortgages USA team.

Cinde Perales – Chief Compliance Officer 2017-07-19T19:52:35+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.

Mini Hwang – SVP Technology and Risk Management 2017-10-13T19:03:48+00:00

Mini Hwang is SVP of Technology and Risk Management. Ms. Hwang has over 15 years of experience in the auto finance industry.  Before joining MUSA, she served as VP of Information Technology at Wheels Financial Group and AVP, Information Technology Business Process Architecture at Exeter Finance Corp.  She also spent eight years at Santander Consumer USA and WFS Financial (now Wells Fargo) where she held various roles in Technology and Servicing.  Ms. Hwang holds a MS in Technology Management from Columbia University, MBA from Amberton University, and a BBA from Northwood University.


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