Meet the Team

Get to know the team that will make the mortgage process smooth and bring you a sense of security. We are ready to talk about your needs - give us a call.

Shawn John Nevin, CEO

Shawn John Nevin, CEO of America’s Money line has 20 Years of mortgage lending experience.  He graduated UCLA Summa Cum Laude, then went to Law School at USF.  He started his career as an underwriter for Bear Sterns.  He then worked as a Junior Executive for Countrywide Home Loans before becoming their top Executive for the entire nation.  After becoming Countrywide Home Loans top Sales Executive, Shawn decided to open his own lending institution.  Shawn is a Catholic who believes in strong family values.  He is married to his college sweetheart.  They have been together for 25 years plus.  They have 3 energetic boys that are active in Football and Rugby.

Dean Lob, COO

Dean Lob’s name is synonymous with mortgage lending, where his well-established reputation and unmatched market knowledge have made him a frontrunner in the finance industry. As the leader of America’s Moneyline’s #1 team in sales volume of more than $1 billion dollars in the last two years alone, Dean prides himself on his personal service and attention to his clients’ every detail, which has led him to a large base of referral and repeat clients. Distinguished clients entrust Dean to guide them through every step of the home mortgage process, and he ensures all objectives are being met with exceeded expectations. Dean is passionate about giving back to the local community and is actively involved in several charities throughout Orange County, including Veterans Association of Real Estate Professionals. He resides in Laguna Niguel with his wife Shannon and their children, Kylie, and Emily.

Patrick Scanlan Senior Loan Officer

Patrick Scanlan’s mortgage knowledge and customer care skills are unmatched. As one of the Top Mortgage Loan Officer’s in the Company, Patrick has helped many people across the United States find the perfect home loan program that fits their unique needs. During Patrick’s 21 years of experience in the Mortgage and Real Estate industry, he has assisted first time homebuyers, investors, and seasoned homeowners with their refinancing and purchase loan needs.

John Nation Senior Loan Officer

John Nation started in the mortgage industry in 2003 and has been immersed in lending and real estate ever since. John is currently licensed in five states including CA, AZ, NV, FL, and VA. John’s passion is helping people better their financial situation and making their lives a little more enjoyable. One of John’s greatest strengths is putting his client’s needs first – John is consistently earning referrals from his happy clients.

John’s other passion is Wine – he is also a certified Sommelier and Wine Maker of award-winning wines. John resides in South Orange County with his two young sons.

Alan Attardo Senior Loan Officer

Alan Attardo is a seasoned Mortgage Professional with over 34 years in the Industry. Alan started his career after attaining his degree in Marketing from Cal State Long Beach. As a California native, Alan is an active family man, who loves surfing and tennis. Alan recognize’ s the value of trust that his clients place in him and he strives every day to exceed their expectations. Alan’s business consists mostly of referrals from Realtors and past satisfied clients.

Alan is a family man that grew up with 10 siblings in his home. As you can imagine Alan has the patience to do deal with any situation or personality. Alan knows the importance of financial freedom and comfort home ownership provides. As a Loan Officer, his top priority is to make his clients happy. Alan listens to his clients’ wants and needs to achieve the best outcome in every transaction, and he strives to ensure that the buying or refinancing process is fun, easy, and stress-free. Alan’s clients can count on him any time of day when they have a question or a concern. 

Derek Torok Senior Loan Officer

Derek Torok has been in the Mortgage Industry for over 14 Years. Derek’s philosophy for business has always been “If you treat people right success WILL follow you.”  Derek’s motivation is always to make his clients happy by exceeding expectations.   Along with Gods blessings, Derek believes that is this is the very reason he is always the Company’s Top Producer month after month.  Derek truly enjoys helping to put families in a better financial situation.

Derek is engaged to his beautiful finance and is co-parenting her 12-year-old daughter.  Derek enjoys the beach and all the outdoor activities that go along with it.  On the weekends, Derek and his family attend Saddleback Church in Lake Forest California and he takes his relationship with God very seriously.  Living by Faith and integrity is a top priority in Derek’s life. 
Derek’s #1 goal is to make you a client for life

America's Moneyline Business Card

Louis Montaino Senior Loan Officer

Louis Montaino has been in the mortgage industry for over 16 years. Lou’s primary goal on every transaction is customer satisfaction. This is what motivates him every day at the office.

Lou was born and raised in New York City and went on to graduate in 1993 at St John’s University with a Bachelor’s degree in Finance. With Lou’s extensive knowledge of finance and his passion for helping others achieve their goals – He became a Stock Broker on Wall Street from 1995-2002 . This is where he really learned the inner workings of the financial markets as well as our economy.

In 2004, Lou moved to Southern California where he started working as a Loan Officer at several small companies before finding his forever home at America’s Moneyline. This where Lou really learned the industry due to strong leadership, good training and a wide variety of solid loan programs alongside a team of hard workers who put their customers first.

Personally, Lou likes to play sports, hike, bike ride and enjoy a good movie.  Lou also has 2 boys ages 20 and 18 who are currently in college.

Jose Perez Senior Loan Officer

Since 1998 Jose Perez has been providing real estate services to individuals & families across the Nation. Jose credits the longevity of his career to the clients whom he has had the pleasure of serving. Along with providing his clients with industry expertise Jose treats everyone that he does business with like family. This is what sets his services apart from the rest.

Licensed as a Real Estate Broker, Jose has vast experience in most fields of Real Estate. Jose enjoys helping people reach their Real Estate goals. As a Father and husband, Jose deeply understands the importance of financial goals and looks forward to helping his clients achieve theirs.

Gilbert Duran Senior Loan Officer

Gilbert Duran has been in the Mortgage Industry for over 17 Years. Gilbert’s goal is always to meet and exceed his client’s goals and expectations – this is what sets him apart from other Loan Officers. Gilbert is a husband and father of two amazing boys. 

Gilbert’s two driving traits are genuine passion and ambition. Gilbert strives to treat his clients as is if they were his family, with both honesty and respect, every step of the way.

Camron Penn Executive Assistant to CEO

Camron Penn has been in the Mortgage Industry for over 5 years. Camron was always taught how important finances are, and the impact they have on someone’s life. Those same values made him realize how many people in the world struggle with this. That inspired him to help those in need in many aspects of the financial and mortgage industry.

From being a Licensed Insurance Agent, Marketing Manager for a major advertising firm, to being the top producing Loan Officer at a major bank, Camron has now found where he can put his talents to best use and help touch the most lives he can to make a difference. America’s Moneyline is a place that Camron and the clients he does business with feel at home and gives a feeling of a true family environment.

Keith David Loan Officer and Assistant to CEO

Keith David first started in the industry when he turned 19 years old while attending college at Cal State University Fullerton as a Finance Major. Keith started at an entry level position in the Company and quickly moved his way up. Keith became the youngest person in the company’s history to get his NMLS license and prides himself on extensive knowledge of the entire mortgage process.

Keith is an amazing Loan Officer and is extremely attentive to his clients needs and requests. Keith prides himself on always being available for his clients via call, text or email.


Erick Cisneros has been in the Mortgage Business for over 12 Years. Erick loves helping people with all their mortgage and real estate questions. Erick prides himself on being a resource to his clients through his knowledge and experience which he enjoys sharing with his clients. Erick is bilingual and speaks perfect Spanish.

Erick is a proud husband and father of two amazing young boys. His goal is to always treat clients needs as his primary focus.

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CHRIS ORTIGOZA Business Relationship Manager

Chris Ortigoza has been in the Mortgage Industry for 8 years and counting.

Chris is a Team Leader and loves empowering his team to help reach unbelievable milestones each and every time through training and coaching.

Chris feels the most gratification when helping other’s achieve their goals.

His goal is for the entire America’s Moneyline Team to provide every client best in class service and attention to detail.

Eddie Phomdouangdy Loan Coordinator

New to the Mortgage Industry, Eddie is no stranger to client service excellence. Majored in Healthcare, he strives for the ultimate goal, helping every person in need. From opening car doors to opening accounts in major hospitals all over California, he is truly committed to the belief that when you work hard, good things will come. Eddie came on board to America’s Moneyline, Inc. as a Jr Processor, now moving into the position of Loan Coordinator. With his caring nature for others and dedicated drive for success – clients can rest assured that they are in safe hands.

Matthew Spensieri Junior Loan Officer

Matthew graduated in the Fall of 2019 from CSULB with B.S. in Business Administration concentration in Accountancy. He entered this field with a one-year background in auditing homeowner associations and is eligible for his CPA license. He joined the mortgage industry to help VETS, homeowners, and first-time homebuyers gain a stronger sense of their mortgage finances. His goal is to have homeowners walk more confidently in their journey.