EPM Leadership Team | Jennifer Charriez
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Leadership Team

Eddy Perez - Founder and CEO, Equity Prime

Eddy Perez, CMB
Founder and CEO

Eddy Perez, CMB, is Founder and CEO of Equity Prime Mortgage based in Atlanta, Georgia where he oversees overall operations, sales, revenue, marketing, compliance and technology. As co-founder of Equity Prime Mortgage, recognized as part of the Inc. 5000, he has excelled within the mortgage industry being named one of the nation’s top mortgage bankers, recognized in National Mortgage Professionals Magazine’s “40 Most Influential Mortgage Professionals under 40.” Throughout his distinguished career he has held multiple executive-level positions. Prior to co-founding Equity Prime Mortgage, in 2008, he operated the top producing office for Global Mortgage, Inc. He holds the prestigious Certified Mortgage Banker (CMB) designation which he earned in October 2014. Perez is the chairman of the MORPAC, panelist for MBA future leaders program, holds a seat on the Board of Directors with the MBA and now co-chair of the new MBA affordable housing council. Check out his President's Vlog www.eddygperezjr.com.

KP Patel - CEO, Equity Prime

KP Patel
Founder and CEO Emeritus

KP is a proven executive with 20 years in the banking and mortgage industry and was an architect of successful strategic planning for a profitable mortgage banking operation. He started his mortgage career as a Loan Officer for NovaStar Home Mortgage in Maryland. KP is a highly successful individual and branch operations producer who has over eleven years working in the mortgage business holding such titles as loan officer, branch manager and executive.

Jason Callan
Chief Operations Officer (COO)

Jason Callan started from humble beginnings. He has 20 years’ experience in the mortgage industry and brings a wealth of knowledge in mortgage operations. His first position was as a file clerk, in 2000, at a Reserve Mortgage company. Jason joined EPM in 2010 as a post closer. He catapulted from the closing team to management and heads up the EPM TPO Wholesale channel. His hobbies include fishing, golfing, spending time with family and cooking bbq.

KP Patel - CEO, Equity Prime

Frank Ferrans
VP of Business Development

Frank is the Vice President of Business Development at Equity Prime Mortgage where he recruits and develops new sales offices around the country. With 16 years’ experience as a Corporate Sales Recruiter in the mortgage industry, he has recruited over 1,200 loan officers, underwriters, processors, as well as disclosure and fulfillment staff. His mission has always been to make a positive impact on people’s lives. Utilizing the skills from his Economics and Marketing degrees he seeks to empower the next generation of employees by giving them a platform where they can grow and thrive into established professionals.

Julie Rhode
Retail Underwriting Manager

Julie Rhode has 22 years of experience in the mortgage industry. She came to EPM with the team in St Augustine almost two years ago, as their designated underwriter. Prior to her joining our team at EPM she was the Regional Underwriting Manager for Caliber Home Loans. Other mortgage experience includes Foreclosure and REO specialist, processing, processing manager, and sales.  She takes a common-sense approach to underwriting and her passion is training.  When she isn't in the mortgage world she loves to be on the water and ride her jet ski every chance she gets. She feels she has a found a home here at EPM and is excited to be apart of its evolution.

Janika Shoemaker- Fulfillment Manager, Equity Prime

Janika Shoemake
Securitization & Fulfillment Manager

Janika grew up in Decatur, Georgia the oldest of six siblings, four bothers and one sister. Originally, she stepped into the mortgage industry as a pre closer for a real estate law firm in Atlanta. “I really enjoy helping others and being able to provide assistance to those seeking the dream of homeownership. I know I have been given many opportunities in my career, but working at EPM has allowed me to dive deeper into a management role however my roots will always be giving back to the community.” She says. Janika feels very at home with her EPM family and in addition has two beautiful kids that she spends time with. Her hobbies include reading the occasional adventure or romantic comedy, interior design and spending quality time at home. 

Phil Mancuso - Chief Investment Officer, Equity Prime

Phil Mancuso

Philip Mancuso is the President of Equity Prime Mortgage. Philip has almost 25 years’ experience in the mortgage industry as a top producing loan officer, sales and branch manager and executive. Prior to joining EquityPrime Mortgage, Philip has held many positions in management including Executive Vice President of The Money Store. Philip attended Rutgers University, double majoring in Accounting and Management. Check out his blog at TheMancusoWatch.com. 

James Minghini - Chief Compliance Officer, Equity Prime

James Minghini
Chief People Officer (CPO)

James started his career in the mortgage industry in 1993. Prior to joining Equity Prime Mortgage James held various positions including Branch Manager, Compliance Trainer, Compliance Assurance Manager and AVP of Compliance with Citi and Crescent Mortgage Company. James graduated from the University of Georgia (UGA) in 1992 with a degree in Political Science. James oversees all functions for Compliance, HR, Licensing and Quality Control.


Michael Clark - CFO, Equity Prime

Michael Clark
Chief Financial Officer (CFO)

Strategic oriented and proven financial leader with strong management and problem solving skills. Well organized and able to handle many tasks with exceptional work ethic, analytical skills and attention to detail.

Public company and private equity experience in mortgage banking and manufacturing/distribution with direct responsibility for all financial matters, tax strategies, legal, information technology and human resources. Expertise in mortgage banking includes capital raises, M&A activities, capital markets, hedging, investor relations (including agencies), warehouse financing, loan servicing and operations.

Mark Moloughney - CTO, Equity Prime

Mark Moloughney
Chief Technology Officer (CTO)

Mark comes to us from Confiant, a cybersecurity firm specializing in protecting users from malicious code in the ad ecosystem. He managed the Solutions Engineering team that provides pre/post sales support and custom solutions for publishers.  Mark founded and served as President and Chief Product Officer for CaseTrak Software, Inc. where he helped develop an enterprise grade case tracking and management platform for state and local governments. Lastly and perhaps most importantly, Mark spent 5 years as Chief Technology Officer for MLD Mortgage where he helped scale the business from one office in Florham Park, NJ with 45 employees to over 100 offices nationwide with over 3000 employees.

John White - Senior VP of Business Development, Equity Prime

Eric Skates
Chief Marketing Officer (CMO)

Marketing professional with 10+ years’ experience with marketing development/strategy, organizational planning, and corporate communication. Bachelor's Degree in Communication from Kennesaw State University. Awarded the 5-Star Award for honesty, integrity, and quality in 2018. In this role, Eric oversees many major projects such as overall marketing, new software integrations, marketing automation, lead gen, social media, graphic design, blogging, content creation, PR, SEO efforts, web content, promotional marketing, sponsorships, strategic partnerships, and special events. Past experience includes planning and managing marketing/communication efforts within real estate and non-profits rooted in the finance, healthcare and insurance industry. More recently, participated as a panelist speaker 4x’s at the Mortgage Collaborative Conference, with a primary focus on digital marketing speaking on message authenticity, automation, and social media strategy/best practices.

John White - Senior VP of Business Development, Equity Prime

Suha Zehl
Chief Analytics Officer

Suha Zehl, MBA, CPM as the Chief Analytics Officer at EPM brings more than eighteen years of experience in the mortgage and real estate industry, and over 34 years of global business and analytics experience. Suha thrives on leveraging innovation, new technologies, and business intelligence to drive digital transformation and create actionable insights to support the business vision and strategy. Her focus is on developing data strategies to make the dream of home ownership a reality for everyone. Suha is a respected speaker and contributor to numerous publications. She is the winner of several prestigious industry awards, including HousingWire's Tech Trendsetter, Progress in Lending's Most Powerful Women in FinTech, and Mortgage Women Magazine's Women with Vision.

Jeff Batson- Secondary Market Manager, Equity Prime

Jeff Batson
Secondary Marketing Manager

A long-standing member of team EPM, Jeff brings over 20 years of mortgage and real estate experience to the table. His experience spans multiple roles including seven years as a field real estate appraiser, and four years in secondary marketing.

Janika Shoemaker- Fulfillment Manager, Equity Prime

Jason Frazier
Chief Strategy Officer

Jason Frazier is an award winning marketer, strategist, and technologist with more than 20 years of C-Level expertise in marketing, strategy, and technology. He has been blessed to work for and alongside the most talented innovators, disrupters, and visionaries of Silicon Valley, affectionately known as “The PayPal Mafia”.

Frazier currently serves as the Chief Strategy Officer for EPM and is a marketing coach for the Next Level Loan Officers coaching group. An early adopter of voice marketing, Frazier is the host of the Top Rated Mortgage X Podcast and the Marketing Interrupt podcast. Frazier also founded the industry podcast collaborative, REAL Disrupt.

Phil Mancuso - Chief Investment Officer, Equity Prime

Paul Ervin
Wholesale Underwriting Manager

Paul comes to EPM with 24 years of experience in the mortgage industry. Previously, he has held various positions in management and production in Collections, Loss Mitigation, Foreclosure and Originations. Ervin graduated from Oklahoma University and is also an army veteran.

James Minghini - Chief Compliance Officer, Equity Prime

Kerry Cole
Chief Wholesale Officer

Hired in 2013 as an MLO, Kerry quickly proved herself as an accomplished and dedicated member of team EPM. After an esteemed career serving EPM's retail markets, Cole made the jump to wholesale where she worked as an Account Executive. She wasted no time there, quickly rising to her current role of VP of Sales for the wholesale division. In her current position she clears an impressive average of $100 million per month and took home EPM's coveted 5 Star Award for excellence in 2019. Now, taking over as Chief Wholesale Officer, Cole will utilize her vast experience to work towards making EPM's wholesale division the go-to lender for brokers.

Logan Judah

Logan Judah
Vice President of Pooling and Aggregation

Logan Judah was born in Vallejoh, CA and was raised in Southern California with both of his parents. Currently, he resides in Atlanta, GA. Judah holds a BBA with a focus in Real Estate from Cal State University of Northridge and is nearing completion of his MBA at Pepperdine University. Logan comes to EPM from a background of operations as well as sales support. His recent experience was where he oversaw the West and Central divison client support and pipeline management teams. He enjoys playing softball, reading picture books, and watching football. 

Stephen Carpitella

Stephen Carpitella
Vice President of Sales

Stephen is a passionate and proven leader with almost two decades of experience in the mortgage industry. He studied accounting and finance at Rider University and worked in public accounting at a CPA firm before his career change. Throughout his career, Stephen and his team have helped almost 10,000 families with their financing needs lending an estimated 3 billion in loan volume. If that weren't enough, Stephen is also one of the top originators in the country. In 2020 alone, he closed 692 units for 224 million in personal production, setting the standard and the bar very high for his fellow teammates and colleagues. His accounting background provides skill and experience to qualify complex tax returns and has created a niche with self-employed client transactions. In his own words, “With a strong background in finance and accounting and the mentality that a relationship is more important than a loan, I always knew I could level the playing field for the consumer in a world where there is a lack of education about managing our finances.