What Is The Mortgage Reports?

The Mortgage Reports publishes timely personal finance news and advice, with a focus on real estate and mortgage financing. The site launched in 2004 to help everyday consumers make sense of the often-confusing world of real estate and mortgage finance. The Mortgage Reports offers unbiased mortgage and real estate information. We aim to move our readers toward their homeownership goals.

Our Story

More than a decade ago, The Mortgage Reports started publishing news and advice. It was not like other mortgage and real estate resources. It said what happened, but more important, why it matters to the typical home buyer or refinance rate shopper.

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Many of the country's foremost experts in real estate and mortgage finance contribute to The Mortgage Reports on a regular basis. You can trust the information you read here is not only ultra-helpful, but accurate.

Meet Our Contributors


The Mortgage Reports executive team is a group of world-class thinkers and doers, with a focus on helping online consumers achieve their most important goals.

Meet The Team

In The News

The Mortgage Reports is regularly mentioned in major media publications. Our insights on the mortgage market are second to none, and media outlets nationwide have taken notice.

Media Mentions

Contact Us

Have a question or a media inquiry? We’d love to talk.

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Origin Story

Launched in 2004, The Mortgage Reports was one of the first mortgage blogs on the internet. It started as a loan officer's blog that helped drive personal business. By the early 2010s the website was nationally known for its in-depth coverage of mortgage and real estate news, plus why it matters to the everyday mortgage shopper. This was not your typical finance website. It was practical, useful, and focused not on industry professionals but the typical home buyer and homeowner.Over the years, the website grew to a readership of millions per year. In 2014, it was acquired by Full Beaker, Inc., a consumer-focused online media company, which runs and manages the site today.


The Mortgage Reports is always looking for self-driven, passionate people to lift the website to new heights. Interested? Apply with us.

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How We Make Money

The Mortgage Reports makes money when we connect you with our licensed lending partners. We have forged relationships with some of the biggest, most respected lenders in the country. These lenders vie for each consumer's business, which means better rates and fees for our users. Our service is free to our readers, and we never place distracting ads on The Mortgage Reports. The end result is a user-friendly, non-biased and low-pressure way to learn about mortgage finance options.

Edward Yim


Edward Yim is the founder and CEO of Full Beaker Inc. Prior to Full Beaker, he founded Pike Street industries in 2002 and served as President until it was acquired by Marchex in 2005. Edward is an active angel investor and has advised and invested in more than 15 companies in the last few years, including Cheezburger (icanhascheeseburger.com, failblog.org, failbook.com), Minted.com, Bonanza.com and Heatmax (acquired by Kobayashi Pharm Co Ltd) and others. He has been a board member for several companies including Cheezeburger, Minted.com, Capability Healthcare and ClassifiedAds.com. Edward also serves as a Tech Stars mentor to early stage technology companies in the Seattle area. Edward received a bachelor's degree in economics from Harvard University and an MBA from the Stanford Graduate School of Business.

Eric Thoreson

Vice President of Business Development

Eric is Vice President of Business Development for Full Beaker, where he is responsible for all business development and partner management activities. Eric has spent over 15 years providing general management and business development leadership to high-growth organizations. Prior to Full Beaker, Eric served as COO of ClassifiedAds.com where he oversaw business development, partner management, community support and a variety of other functions. Previously Eric founded Camp 5 Media (acquired by Blue Moon Ventures) and held senior management roles with Marchex and corporate development and corporate counsel positions with Hutchison Whampoa, T-Mobile and InfoSpace. Eric began his career as a business attorney with Perkins Coie and Bogle & Gates law firms. A graduate, cum laude, of Colby College, Eric received his law degree from the University of Oregon School of Law. Eric enjoys skiing and golfing with his wife and two young kids.

Allison McFarland

VP of Finance & HR

Allison is Full Beaker's VP of Finance & HR, where she is responsible for finance and human resources. She's worked in a number of industries prior to joining Classifiedads.com, and has extensive experience in smaller organizations managing all aspects of support services. Allison has a Bachelor of Science in Business Administration from California State University at San Bernardino and a Master of Science in Technology Management, as well as an M.B.A., from the University of Maryland. Allison enjoys cooking, reading, exploring new cities and spending time with her family. Having recently relocated from the Southwest to Washington, she and her family are thoroughly enjoying exploring the beauty and diversity of the Seattle.

Mark Price

Director of Engineering

Mark is the Director of Engineering at Full Beaker, Inc. where he is responsible for leading Full Beaker's engineering team. Before joining Full Beaker, Mark built his career working on and leading teams in a variety of spaces, including high availability, storage, and web development. Mark's passion is building highly effective and high functioning engineering teams. Mark holds a Bachelor of Science in computer science from University of Texas at Austin. He also enjoys riding and racing motorcycles with his wife Jen.

Tim Lucas

Vice President of Mortgage and Compliance

Managing Editor, The Mortgage Reports

Tim Lucas spent 11 years in the mortgage industry before joining Full Beaker to head up its mortgage websites. He's helped thousands of families buy and refinance real estate at banks and mortgage companies, and now continues that mission as Managing Editor of The Mortgage Reports. Tim has been featured in national publications such as Time, U.S. News and World Report, MSN, Scotsman Guide, and more.

Nan Chung

Senior Director of Marketing

Nan is the Senior Director of Marketing at Full Beaker Inc., where he is responsible for leading all digital marketing efforts for the company. Before joining the Full Beaker team, Nan worked in the financial industry beginning his career at Goldman Sachs Group, Inc. (GS) & later transitioned to the fast-paced, hedge fund startup, Concentus Global LLC as their primary forex trader. Nan received a BS in Business Management & Strategy from Brigham Young University. Nan enjoys the great outdoors, grilling, traveling, being a Seahawk's enthusiast, and spending time with his wife and his two children.

Editorial Staff

Tim Lucas, Managing Editor

Vice President of Mortgage and Compliance
Tim Lucas spent 11 years in the mortgage industry helping thousands of families buy and refinance real estate. He now continues that mission as Managing Editor of The Mortgage Reports. His real-world experience brings practical and helpful insights to the audience. Tim has been featured in national publications such as Time, U.S. News and World Report, MSN, Scotsman Guide, and more.

Gina Pogol, Associate Editor

Associate Editor
With more than 10 years in the mortgage industry, and another 10 years writing about it, Gina Pogol brings a wealth of knowledge to The Mortgage Reports as its Associate Editor. Gina works with a team of world-class real estate and finance writers to bring timely and helpful news and advice to the audience. Her specialty is helping consumers understand complex and intimidating topics.

Contributing Writers

Craig Berry

With 17 years in mortgage banking, Craig Berry has helped thousands achieve their home ownership goals.

Adam Lesner

Adam Lesner is a Michigan-area mortgage banker specializing in portfolio loan and unique-scenario lending. He has originated home loans since 2008 and has helped clients across the U.S. Connect with Adam on YouTube.

Andrew Penner

Andrew Penner has worked in the real estate and mortgage industry for over three years. He is the Marketing Director at Total Mortgage Services, a nationwide lender based in Milford, Connecticut.

Barbara Ballinger

Barbara Ballinger is a freelance journalist and former senior editor for the National Association of REALTORS®. She has co-authored 15 books, interviewed Martha Stewart, and appeared on the Oprah Winfrey Show as a home remodeling expert.

Bridget McCrea

Bridget McCrea covers real estate and other topics for publications like Realtor Magazine, International Business Times and Logistics Management.

Britt Scearce

Britt Scearce is a mortgage, credit and personal finance expert working with consumers and training mortgage professionals for over 18 years. Connect with Britt on Twitter and LinkedIn.

Chris Birk

Chris Birk is a former journalist and author of “The Book on VA Loans: An Essential Guide to Maximizing Your Home Loan Benefits.” He is also the content development director for Veterans United Home Loans. Follow him on Google.

Dahna Chandler

Dahna Chandler is an award-winning business and finance journalist with 20 years of experience writing for major media outlets and top blogs. She is passionate about helping wealth-minded people thrive financially by reaching their wealth objectives.

Dan Green

Dan Green is an expert on topics of money and mortgage. With over 15 years writing for a consumer audience on personal finance topics, Dan has been featured in The Washington Post, MarketWatch, Bloomberg, and others.

Dan Rafter

Dan Rafter has written about mortgage topics for more than 20 years. His stories have appeared in the Washington Post, Wise Bread, the Motley Fool, Fox Business, and more.

Dawn Papandrea

Dawn Papandrea is a writer specializing in personal finance. She writes for Family Circle, CreditCards.com, and more. Follow her on Twitter or visit her website.

Erik J. Martin

Erik J. Martin has written on real estate, business, tech and other topics for Reader's Digest, AARP The Magazine, and The Chicago Tribune.

Erik Sherman

Erik Sherman has written about business, technology, and personal finance for the Wall Street Journal, Newsweek, New York Times Magazine, Forbes.com, Inc.com, and many other publications.

Francine L. Huff

Francine L. Huff is a freelance journalist, author and educator who covers financial topics for major media outlets. She has appeared on TV and radio shows, and is available for speaking engagements. Follow Francine on Twitter.

Joe Farr

Joe Farr is a 20-year veteran of the mortgage industry. He is MBSQuoteline's Director of Sales and Marketing. For up-to-the-minute MBS prices throughout the day, go to www.mbsquoteline.com. Start a free trial.

Karen Lawson

Karen Lawson enjoys researching and writing about mortgage lending and housing industry news. She relies on 20 years of experience in mortgage lending and servicing for writing about current housing trends and markets. You can also find Karen on Google+

Kyle Hiscock

Kyle Hiscock is a REALTOR® in Rochester, NY with Nothnagle Realtors. Kyle is very active on social media as well as on his blog, Rochester's Real Estate Blog. Follow Kyle on Twitter or Facebook.

Larry Kirschner

Larry Kirschner is with the Compardo Team at Moneta Group. Larry lives in Naples, Florida. Connect with Larry on LinkedIn.

Lee Nelson

Lee Nelson is a Chicago-based writer whose work has appeared on Realtor.org, Yahoo! Homes, MyMortgageInsider.com, and more.

Mark Green

Mark is a 25-year veteran of the mortgage origination industry and now writes about the inner workings of the industry for Forbes.

Mark Henricks

Mark Henricks writes about finance, business and other topics. His articles have appeared in The Wall Street Journal, The Washington Post, The New York Times and many other publications.

Mark Cappel

Mark Cappel has written mortgage and personal finance stories for major websites over the past seven years. He has a law degree, and is active in the Reno, Nevada art community.

Melissa Case

Melissa Case is a professional writer. You can find Melissa on Google+.

Michele Lerner

Michele Lerner, author of New Home 101, is an award-winning freelance journalist with more than two decades of experience. Her work appears in The Washington Post, New Home Source, Fox Business, MSN, Yahoo, Realtor.com, and more.

Mike Cox

Mike Cox (NMLS# 269700) is a loan officer and branch manager with GSF Mortgage, where he has been a 10-time Loan Officer Of The Year.

Paula Pant

Paula Pant is a real estate investor and the founder of AffordAnything.com, a popular finance website. You can connect with Paula on Twitter or Facebook.

Pete Gerardo

Pete Gerardo is a business writer whose work has appeared in The New York Times and numerous trade magazines.

Peter Miller

Peter G. Miller, author of The Common Sense Mortgage, is a real estate writer syndicated in more than ​50​ newspapers nationwide. Peter has been featured on Oprah, the Today Show, Money Magazine, CNN and more.

Peter Warden

Peter Warden has been writing for a decade about mortgages, personal finance, credit cards, and insurance. His work has appeared across a wide range of media. He lives in a small town with his partner of 25 years.

Rob Chrisman

Rob has a 27-year history in the mortgage banking industry. He publishes a widely-read daily mortgage market and economic commentary at http://www.robchrisman.com. Rob lectures, consults for mortgage companies, and is a member of the California Mortgage Bankers Association and the Mortgage Bankers Association of the Carolinas. Rob holds a BS from Cal Poly, San Luis Obispo, and an MBA from UC Berkeley.

Shashank Shekhar

Shashank Shekhar is a mortgage broker/lender with 10+ years experience, licensed in the states of CA, WA and TX. NMLS ID 8176.


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Phone: (888) 987-6607

In The News

The Mortgage Reports is regularly featured in major media outlets

Contact The Mortgage Reports

The Mortgage Reports

c/o Full Beaker

200 112th Ave. NE, Suite 310
Bellevue, WA 98004
Phone: (888) 987-6607

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