Introduction to NO MORE Mortgage Officers

Larry Ruff – CEO & Founder of No More Mortgage
Mr. Ruff has 29 years experience in business management, marketing, and sales. His insights and advice on personal finance have been taken to heart by thousands of clients across the country. While no longer in the credit counseling business, he is a credit-counseling industry consultant and speaker at industry conventions. In 1984 he founded Liberty Mint, Inc., a manufacturer and worldwide marketer and distributor of commemorative coins and precious metal sculpture, which he took public in 1997. Prior to that he worked in the real estate industry where he founded Ruff Investments, a successful syndicator of large residential apartment buildings in the Atlanta, Georgia area. As a 50% owner of Timpanogos Realty his personal sales exceeded $20 million in his first three years. He majored in Financial and Estate Planning at Brigham Young University with a minor in Economics.

Ron Hammond – Chief Financial Officer
Mr. Hammond is a Senior Finance executive with significant experience in all aspects of Finance and administration. He has recently been involved on an advisory basis in assisting start-up and emerging growth companies in raising financing and structuring the corporate finance function. From 1996 to 2003 Mr. Hammond was the Chief Financial Officer Of PowerQuest Corporation, a developer of computer systems software, where he was instrumental in assisting the company obtain growth capital, managed relationships with investors, lending banks, and board of directors, as well as assisting with the $150 million sale of the Company to Symantec in 2003. From 1989 to 1996, Mr. Hammond served as the Senior Vice President, Finance, as well as Secretary to the Board of Directors, for Quarterdeck Office Systems, a developer of computer systems software, where he oversaw the finance and administration functions while the company grew from approximately $10 million in revenues to over $100 million in revenues, and to a market capitalization in excess of $1 billion. Mr. Hammond oversaw the successful initial public offering of Quarterdeck stock in 1991, and served as the principal investor relations contact for the company through 1996. From 1984 to 1989, Mr. Hammond was a manager in the Private Business Advisory practice of KPMG, an international accounting firm, assisting private business clients with audit, tax and accounting services. Mr. Hammond has a Masters of Management Accounting degree from Brigham Young University.

Landon Glenn – Vice President of Sales
Mr. Glenn came to No More Mortgage specializing in building and leading sales teams and implementing the sales process. He has consistently been a top producer in his own personal sales. At Dish One Satellite he was Regional Manager and the V.P. of Marketing where he recruited and managed the top producing sales teams in the company, while remaining in the top percentages in the country with his own personal sales. He is also licensed in real estate and experienced in both real estate investing and sales. Mr. Glenn graduated from the Marriott School of Business at Brigham Young University with a degree in Finance and an emphasis in Real Estate. He is fluent in Portuguese.

David Bollard – Director of Marketing
Dave comes to No More Mortgage with over 15 years of marketing experience in the Entertainment, Healthcare, Financial and Hotel & Tourism Industries. Prior to joining No More Mortgage, Dave has served as a Marketing Director, Marketing Manager and Public Relations Manager for several companies including the Larry H. Miller Sports & Entertainment Group, Virgen Advertising, Fasen Arts Design and Dentrix Dental Systems. Dave has a wealth of knowledge in graphic and multimedia design, public relations, Radio and TV, direct mail, research, trade shows and website design. He specializes in business to business and business to consumer marketing and will be instrumental in strengthening the No More Mortgage brand. Dave went to the University of Nevada Las Vegas and Southern Utah University. He holds multiple professional certifications and licenses and is fluent in Spanish.

Peter Chinchay – Controller
Peter comes to No More Mortgage with years of experience in the Accounting/Financial field. He has held positions as the Accounts Payable Manager, Accounting Manager, Controller and Director of Accounting. Past experience includes working for the LDS Church in Peru as a Liaison & International Public Relation Specialist, Net Marketing Alliance and EKI International. Peter specializes in cash management, merchant accounts, company procedures, sales and has knowledge of multiple different accounting systems and methods. He has a long history of saving millions for the companies where he has worked. Peter has a BA in Accounting from IDAT in Peru. Peter loves to travel and is bilingual.

Scott Morris – Director of Software Development
Initially, Scott’s career was focused on multimedia. This includes recording, mastering, and mixing audio. Being the keyboardist in a handful of bands helped, as he was able to work on albums for them. He learned the arts of mixing, mastering, and post-processing audio. Video was also part of his daily work, as he became adept at videography, editing, compressing, and post-production. During that time, he learned the basics of graphic design, and worked with a number of excellent designers to create a myriad of complex multimedia presentations. He has become adept with many different forms of multimedia delivery, including streaming from the Internet and delivery on DVD, audio CD, or media playable directly from a computer.
Next, his focus turned towards Windows development. he started with Visual Basic, moving quickly to C++. his first major project was a wrapper object which would allow one design and include a resizable skin for the interface of a Windows application.
Toward the end of 2002, he picked up Linux. Since 2004, his employment has revolved around his Linux system administration expertise.
Also at the end of 2002, he began learning PHP. Soon he found himself as a Linux/Apache/hisSQL/PHP developer. Having been trained formally in programming and development at Utah Valley State College (now Utah Valley University), mastering PHP has come easily for Mr. Morris.
Scott has also started 2 companies: Morris Partners, LLC where he has one other partner. This company has done project management, consultation, web development, establishment of online communities, search engine optimization, and lead generation for clients. Also, Tribal Paradigm, LLC, of which he is the sole owner. Setting up these companies, establishing a business plan, long-term goals, and a systematic method of execution of the plan have all been great experiences and have taught him well.
At No More Mortgage, Mr. Morris is a PHP system architect, manages several databases, and is the Linux System Administrator. He is fluent in Spanish.

Bill Erickson – Director of Customer Service
Bill comes to No More Mortgage with years of experience in the financial banking, mortgage, sales and customer service industry. After a successful career in the military, Bill transitioned to the financial industry and worked for companies such as First Security Bank, Jefferson Mortgage and New Freedom Mortgage. He has held positions such as Installment Loan Officer, Real Estate Loan Officer and Commercial Loan Officer. He is a natural leader and has managed multiple branches, sales teams and is currently head of the No More Mortgage Customer Service division. Bill went to Brigham Young University with a degree in accounting and business management.

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