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Michael has been leading the MDC team since starting the company in 2005, His twenty two years in the industry serves as the guiding light for MDC Financial. Michael does not simply manage his associates, but provides them with the tools and expertise needed to deliver their clients the tailored services that meet their individual needs. Michael is extremely passionate about providing the highest quality of service for all clients and holds every MDC employee to the same standards.

When Michael isn’t busy at the office he enjoys the creativity of painting. As an avid artist Michael is responsible for much of the artwork displayed at the MDC office. Throughout his life Michael has navigated all over the world, whether he is representing MDC on business or on personal vacation, traveling has always been a hobby of Michael’s.


Broker of Record/Loan Officer/Assistant Vice President

NMLS# 241347 BRE#01131019 / Tel: (619) 325-4101 / Email Me

Matt Young is a Loan Officer, Assistant Vice President, and broker of record at MDC Financial Service Group, a premier San Diego brokerage that specializes exclusively in assisting clients with their residential mortgage loan needs. Whether seeking a new home loan or trying to secure refinancing, Matt’s ability to explore a client’s options, combined with his strong relationship with lenders has enabled him to successfully close loans since 2002.

Matt offers all sorts of loans, including FHA, VA, conforming, and Jumbo. Additionally, Matt has the ability to offer some commercial and renovation financing.

Matt’s time in the industry and large volume of closed loans have given him the ability to analyze a borrower’s financial situation and offer suggestions on the best way to structure the loan file in the most efficient, cost-effective manner. He can also identify red flags that can be addressed early on in the pre approval process so that they don’t become issues down the road. In the most unusual of financial circumstances, he has the ability to get an underwriter involved immediately for an assessment of the situation.

He has been nominated as a Five Star Professional in San Diego Magazine each year since 2010 and his volume landed him in the Top 1% of Mortgage Originators in America from 2011 through 2013 (as seen in Mortgage Executive Magazine). As a licensed California attorney and real estate broker, his integrity and knowledge has resulted in a loyal and repeat client and referral base all over California. Matt works closely with the most successful real estate agents and real estate companies in San Diego.

Call or email him today to see how he can help YOU!

(NMLS #214347 CA BRE #01131019)


Senior Loan Officer

NMLS# 237106 BRE#01055310 / Tel: (619) 325-4206 / Email Me

After graduating with a Master’s degree in Library and Information Science from the University of Illinois, I got involved in the software development field. Twenty five years ago, I left the corporate world in search of a career where I could continue to use my math and analytic skills, but have more people contact. Being a mortgage broker has been the perfect fit.

I began my loan officer career in 1989. From 1998 to July 2005, I operated my own small mortgage company. The day-to-day administrative tasks of running an office were a lot less fun than doing what I love to do, working with my clients.  Joining MDC Financial has been a wonderful opportunity to work at a company that I respect and know operates with the highest integrity.

My client’s best interests are always my top priority.  I excel at helping people see their end goal and finding a way to get there.

On the personal side, I have been married for 37 years to my best friend, Steve, which has taught me teamwork.   I have an extensive shoe collection, which has taught me how to select the best option from many.  Also, I am an avid fan of University of Illinois basketball, which has taught me to persevere under difficult circumstances.

  • Dept. of Real Estate Broker’s License in California since 1993
  • Dept. of Real Estate Salesperson’s License in California since 1989
  • (NMLS #237106 CA BRE# 01055310)
  • M.S. in Library and Information Sciences, University of Illinois, 1976
  • A.B. in Anthropology, University of Illinois, 1975
  • Member of California Association of Mortgage Professionals

Senior Loan Officer

NMLS# 343258 BRE#01882436 / Tel: (619) 325-4226 / Fax: (619) 325-4141 / Cell: (619) 248-4334 / Email Me

I have been in the Financial Service field for over 20 years. I specialize in all types of residential financing, including Conventional, FHA, VA, & Multi Units (2-4) loans. Being a good lender is just not about getting the lowest rate, it’s about working with you to find the right product and to identify any “potential pitfalls” that could cause the loan to be declined. Whether seeking a new home loan or trying to secure refinancing, my ability to help a client through their loan options, combined with my strong relationships with our lenders has enables me to provide a service above and beyond.

My commitment to the details and customer service sets me apart. Professional, Personable, and Proven.

(NMLS #343258 CalBRE #01882436)


Loan Officer

NMLS# 257102 BRE#01495658 / Tel: (619) 405-8510 / Cell: (619) 405-8510 / Email Me

I believe that home ownership is the American dream and as a loan officer I’m very grateful to say that my job is to help make those dreams come true. The residential mortgage lending industry can be challenging, with lots of moving parts. My experience, diligence, and desire for quality has allowed me to help my clients reach their goals since 2002. As a result 100% of my business is generated from referrals, and from repeat clientele. Every loan scenario is unique, and I am here to provide guidance so please don’t hesitate to reach out!

(NMLS # 257102 BRE # 01495658)


Loan Officer

NMLS# 1206650 BRE#01949098 / Tel: (619) 325-4108 / Email Me

I have been working with MDC Financial since 2012. I started out as a loan processor putting together loan packages to submit to the bank and overseeing the loan from start to finish. This job served me well as it taught me how to put together a beautiful loan so it gets underwritten smoothly. I made the transition to a full time loan officer where I now help my clients navigate rates and different loan options. I would love to work with you and put together a variety of current loan scenarios for you, whether you are looking to refinance and lower your rate, pull out cash or purchase a new home. I want to make sure you end up with the best loan to meet your needs.

CalBRE #01949098 | NMLS #1206650

Mortgage Banker

NMLS# 1428057 CalBRE#01504801 / Tel: (858) 888-7454 / Fax: (858) 888-7460 / Email Me

Stephen has 13 years combined experience in Real Estate, Sales, and Entrepreneurship.  As a Loan Officer at MDC Financial Service Group his relationship with clients is his top priority. His diverse experience has given him the patience and determination to find his clients the right Loan Program.  Understanding the challenges of the industry and the heart of each person he encounters is what makes Stephen a valued addition to the financial services team at MDC. As a solution minded Loan Officer, he will navigate any challenges that may arise with the utmost care and commitment.

Stephen is a Family Man, with a wife and three daughters. Supporting and loving his family comes first. He enjoys surfing and is heavily involved in supporting his church community. He serves on the Resource Development Committee at the The Marriage Resource in Carlsbad and has supported this non-profit for the last 4 years helping divorce proof marriages in San Diego County. His involvement in the community is a prime example of the personal care and dedication he gives to both his personal and professional relationships.

Stephen is looking forward to the opportunity to serve your loan needs and exceed your expectations.


Loan Processor

Thomas Scarsella has been working with MDC Financial since 2012, but he started in the mortgage industry in 2009. Thomas started out as a loan officer assistant, for Matt Young who is a loan officer at MDC Financial, putting together the initial loan packages. Thomas transitioned to a full time processor position at the end of 2012.

Thomas was born and raised in San Diego. When he isn’t working, you can likely find him cheering on the San Diego Chargers or hiking with his dog Maximus.


Loan Processor

Leah has over 18 years of loan processing experience and she’s only 30…  For the last 15 years she has been working with Janet Patzer processing all of her loan files.  In 2014, Leah joined the MDC family with Janet and has enjoyed working with a group of people that strive for the same quality of excellence and integrity in lending.

Leah was born and raised in Ohio, but has been calling San Diego home since 1999.  Besides rooting for The Ohio State Buckeyes and the Chargers, Leah likes to spend her spare time with her husband and 2 cats, baking cheesecakes, reading mysteries, and crocheting.


Loan Administrator/Closer

Tyler has part of the MDC team for just over 2 years and understands that the key to great customer service is providing quality work. As a part of the processing and funding team at MDC Financial, it is Tyler’s job to ensure that you, the borrower, has the best experience possible. Tyler maintains a strong attention to detail during and after the signing process to guarantee your loan is funded as quickly as possible.

When not at work Tyler loves to spend time with his family, friends and girlfriend. Though he maintains a very active lifestyle, Tyler has a great love of culinary art and trying new recipes.

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