YOUR 
TRUSTED
MORTGAGE 
INDUSTRY 
PARTNER
NavPros is backed by over three decades of mortgage lending expertise and experience serving banks and credit unions alike.
As a specialized division of Land Home Financial Services, a top 50 U.S. mortgage lender, NavPros has a national footprint and extensive proficiency in conforming and non-conforming mortgages. We offer a full range of mortgage programs, streamlined loan fulfillment and industry-leading compliance designed to meet the needs of any financial institution.
- Mortgage services licensed in all 50 states
- Approved Fannie Mae/Freddie Mac seller servicer
- Approved Ginnie Mae issuer
- Top 5 U.S. lender for community land trust programs
- Top 5 U.S. lender for state bond loan programs
- Top 10 U.S. manufactured home lender
- Top 10 U.S. reverse mortgage lender
Experience You
Can Count On
Decades in the industry. On-shore operations spanning coast to coast. Fifteen branches, four corporate centers, a robust infrastructure and diverse service offerings. With our extensive experience, seasoned staff, and real-time reporting for your executive team, your mortgage operations are in trusted hands.
Our Management Team
NavPros is led by a team rich with mortgage lending experience in innovative lending strategies.
Brad Waite
CEO
As CEO of NavPros, Brad oversees the company’s mortgage outsourced services nationwide and drives its product diversity initiatives. Brad also serves as president and CEO of Land Home Financial Services, where he has created a dynamic and growth-oriented culture. Today, Land Home Financial Services is a nationwide mortgage lender with 60 branches and a team of over 600 people. Brad is a member and former chairman of the Manufactured Housing Institute and still works closely with the loan origination team.
Lionel Urban
Co-Founder and Division President
Lionel is responsible for guiding NavPros’ strategic vision as well as the development and scalability of its nationwide lending platform. He has more than 30 years of mortgage banking experience and is a highly regarded expert in loan origination, mortgage operations, secondary marketing and compliance within banks, credit unions and independent mortgage bankers. Lionel previously served as vice president of product management at FISERV and is the founder of PCLender, one of the industry’s top five loan origination system (LOS) providers.
Brenda Usher
COO
Brenda brings more than 25 years of mortgage banking experience to NavPros, where she oversees capital markets, hedging and risk management, investor relations, loan acquisition and new product development. She also serves as COO of Land Home Financial Services, which she joined in 1997 to launch the company’s nationwide licensing and GSE approval initiatives and help build out its mortgage banking infrastructure. Brenda previously served on the board of a nationally chartered bank and has supported advisory roles at other financial organizations.
Lorraine Lachapelle
SVP, Client Services
Lorraine’s “People Helping People” philosophy is the cornerstone of NavPros, where she directs client relationships. She has over 30 years of mortgage banking experience. An expert at managing sales teams, Lorraine previously served as national SVP at CU Members Mortgage, where she managed client relations and pursued new business for its loan originators, and as division manager for CU Partners/First Pacific Financial, where she launched the credit union’s mortgage lending business.
Matthew Kilbourne
VP, Loan Production
Using a consultative approach, Matt works closely with NavPros clients to establish loan production plans tailored to their specific needs and helps improve their balance sheets and exceed customer service goals. He has nearly 30 years of experience in the mortgage industry. Matt previously served as VP of online sales at Guaranteed Rate and as regional VP at Quicken Loans, where he led sales regions that funded over $11 billion in refinance volume between 2012 and 2015.
Pat Zervic
Mortgage Operations Manager
Pat oversees NavPros’ strategic operational initiatives, bringing more than 30 years of mortgage and banking industry experience to her role. She has extensive experience in mortgage lending, credit analysis, risk management and project management. Previously, she held VP roles at PenFed Credit Union and Bank of America. Most recently, she served as SVP at San Diego County Credit Union, where she managed a nationwide retail lending operation.
Mortgage Lending Done Right
Leveraging three decades of mortgage industry best practices, NavPros specializes in compliant, efficient, customer-focused lending operations.
Investor Loan Delivery
We’ve streamlined the complex process of delivering loans to investors, providing clients with more time to concentrate on core business activities – such as engaging customers and members and closing deals.
Data Analysis
Our rigorous analytics and due diligence are designed to not only meet but also set industry standards for high-quality loan processing.
Customer Support
Customer service is the foundation of all our operations. Our team leads serve as dedicated points of contact committed to client success and are backed by real-time reporting and 24/7 support.
Stronger Together
Our strategic partners enrich the level of services we provide to our clients.
We rely on CoreLogic for market-leading property insights informed by analytics and science. CoreLogic’s credit, property, flood, and fraud reports are trusted by over a million real estate professionals and thousands of mortgage banks and lenders.
As the largest U.S. loan document provider, DocMagic’s suite of document solutions help us stay agile and responsive. The company’s compliance business solutions help us mitigate operational risks, ensuring we remain on the right side of rapidly evolving industry regulations.