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Officers & Directors

Fred Glick – President

Fred Glick is Broker/Owner of US Loans Mortgage Inc. and U S Spaces, Inc. Fred is an outspoken realist on mortgage and real estate topics who is a regular on CNBC television.  He has been on NPR’s Marketplace, interviewed by The New York Times, The Wall Street Journal along with being quoted in the Philadelphia Inquirer, ThinkGlink.com and other media outlets.

Jodi York-Caraballo – Treasurer

Jodi York-Caraballo is a Mortgage Consultant with Network Mortgage, LLC. She began her mortgage career in 1985, and over the past several years, Jodi has dealt with every aspect of the mortgage industry. Not only a Mortgage Originator, Jodi has extensive years experience as a head of a closing team, and was the Regional Manager for Quality Control for a nationwide lender. As an originator, Jodi has proven that customer service is the key to success by training and managing successful origination teams.

Kevin Iverson – Secretary

Kevin Iverson currently is President and owner of Reed Mortgage Corporation and Co-Founder and President/Secretary of Upfront Mortgage Broker Association – USA’s first UpFront Mortgage Broker. With 34 years of experience in mortgage lending industry – including his position as former President and Director of Colorado Mortgage Lenders Association – Kevin brings his expertise and guidance to UMBA.

Jared Martin – Vice-President

Jared Martin is founder and Chief Executive Officer of Keystone Funding, Inc. Formerly an Aerospace Engineer, with a Masters of Engineering degree from the Massachusetts Institute of Technology, he entered the mortgage industry in 2001. He has been with the Upfront Mortgage Brokers Association since 2006, and founded his own company the same year. Mr. Martin joined the Board of Directors of the Upfront Mortgage Brokers Association in 2010, and served as President from 2011 to 2013.  He is also a licensed Real Estate Broker in Pennsylvania.

Rick Hutchison – Vice President

Rick Hutchison is Branch Manager at Keystone Funding, Inc. Rick has been helping his clients obtain financing for home purchases and refinancing in the Mid-Atlantic region since 2001. Operating in a consultative role, Rick’s mortgage origination practice focuses placing clients’ requirements and best interests first – a tenet of the practice is to encourage comparison shopping with alternative lenders and originators. Rick is a retired US Army officer with 16 years of overseas service. He currently lives in Annapolis, MD.

Special Note

If your employer/company does not operate exclusively as a mortgage broker, you are not eligible for UMBA membership.

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Jack Guttentag
Professor of Finance Emeritus at the Wharton School of the University of Pennsylvania

Jeff Jaye
Amerifirst Financial

Kevin Iverson
President, Reed Mortgage Corporation

Jared Martin
Chief Executive Officer, Keystone Funding, Inc.

Jodi York-Caraballo
Network Mortgage, LLC.

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3000 So. Jamaica Ct.
Suite 390
Aurora, CO 80014

Phone: 303.274.6863
Fax: 303.979.6094

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